23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?
Product: Credit card

When I was XXXX XXXX XXXX XX/XX/2022 from a California prison. I was informed that my card had been used. So I contacted the US bank reliacard and file a dispute for the charges. I have been getting the run around for over a year. They don't send me the right paper and they never do what it says in the terms and conditions. I just get lied to hung up on told wrong information. I just want my money. I have turned in every piece of information I have to proof my case. And still I get nowhere. Please help me. Police report has been file and identity theft paper have been file with irs. And still nothing. Still to this day I don't have any paperwork from them. the transaction can't be accessed online because they won't help me get back on my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a secured credit card on XX/XX/23 at Truist where it was denied then I received a letter in the mail that read. Thank you for applying for a Truist consumer credit card after carefully reviewing your application we are sorry to advise you that we can not open the credit line for you at this time. If you would like a statement of specific reasons why your application was denied please contact our consumer credit department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request XXXXTruist I have tried calling that number to request the letter of reasons and no one seems to know the answer or how they can help me I just get transferred to another department until someone hangs up on me. Im just trying to obtain this information because I feel this is a violation of FCRA adverse action & unfair practice
Product: Debt collection

I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and have been listed in XXXX separate data breach incidents. Namely XXXX and XXXX XXXX. As a result, I was notified by IRS that someone filed taxes using my name and social security number. I filed a FTC report and IRS identity theft affidavit form XXXX. I feel that my previously disputed accounts were not investigated or any inaccurate information removed as result of identity theft. These are to include : Acceptance Now acct : XXXX {$3400.00} Charged off written off XXXX Bank XXXX acct : XXXX {$780.00}, charged off written off XXXX XXXX XXXX acct : XXXX Charged off {$10000.00} written. Off {$8700.00} XXXX XXXX acct : XXXX Originally XXXX was removed from my credit as charged off then debt was sold {$1100.00} I also disputed all hard inquiries that were done without my knowledge and are not connected to any accounts opened by me. 

Dates XX/XX/XXXX ( multiple times ), XX/XX/XXXX, and XX/XX/XXXX In addition I requested that all old addresses except for my current be deleted from my credit report to avoid further attempts with identity theft since it occurred using my previous address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have let the know both TransUnion and XXXX know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following accounts with Experian XXXX, and XXXX   because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SB XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX. I had already secured my credit and financing prior to buying from XXXX XXXX. The salesman, XXXX XXXX asked if he could try and get me a better interest rate. I told him that I already had my financing secured and did not want another inquiry on my credit. I made the deal and left. When I begin to monitor my report, I see that they ran my credit specifically after I told them not to.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed one of my accounts reporting some inaccuracies. This account is reporting a late payment for XX/XX/XXXX. This account is also reporting closed for TransUnion, but paid for XXXX, and XXXX. This account was also never late. This account is also reporting different dates for date opened XX/XX/XXXX TransUnion, and XX/XX/XXXX XXXX and XXXX. On XXXX this account is reporting 30 days late, but on TransUnion and XXXX this account is current. Date last reported is also showing 3 different dates XX/XX/XXXX TransUnion, XX/XX/XXXX XXXX, and XXXX XX/XX/XXXX. Date of last payment is showing two different dates XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. According to 15 U.S. Code 1666b, this unauthorized late payment must be removed and updated. This late payment and these inaccuracies violates my consumer rights. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. It's been more than 30 days and i still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 30 days so those items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation due to the stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Around XXXX, 2020 a year or so ago I got a letter in the mail from a collections agency attempting to collect a debt from XXXX. I never heard of this account before this and never opened a XXXX  account. The debt was around {$800.00}. I ended up filing a police report for identity theft. I called XXXX  numerous times. At this point I have called them at least 10 times and have yet to speak to anyone who has been able to help me. They keep saying they will report it and call me 7-10 days. Every time I never get a call. I filled out and submitted a " fraud packet '' on their website 5 times now with all the needed information and more. No response or email like their website says. I have also XXXX XXXX fraud and there are forums discussing this exact situation happening to other people and how XXXX does nothing about it. The debt has now somehow multiplied from the original XXXX or so, to now its over XXXX Not sure how that makes any sense. At this point the lack of XXXX  dealing with this, and the fact that I have consistently provided and been transparent giving them all the information, they have not responded with it. I would also like to add, when the XXXX account was originally opened fraudulently using my private information, my credit was never dinged or notified. I have credit karma that should notify if someone opens an account in my name. My information has been breached in 19 different hacks. The fact that I have called XXXX for the last year trying to have this removed from my credit and no response, as well as numerous other people online stating the exact same thing happening, this must be a reoccurring scam. PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
Please review the Inaccurate Information being report : XXXXXX/XX/XXXX XX/XX/XXXX XXXX Under the FCRA , you are required to : Conduct a proper investigation into my dispute
Product: Debt collection

I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}
Product: Checking or savings account

I made a same day transfer I talked to them they told that business days have 24 hours and same day transfer does not mean same day I was doing a wire transfer to buy a house and I could be losing the earnest money I talked three people they told me that managers were solving the situation I asked for the federal reserve number that the the title company was asking to confirm the transaction. They said that manager can not access the data base or system
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a brand new XXXX XXXX XXXX, which has been scrapped, but I dont have Gap Insurance XXXX Everyone who buys a new XXXX car has Gap Insurance. I have been transferred to a debt company and my credit is gone! I didnt know why at first, and I personally called the XXXX credit system three times XXXX and their response was that I dont have to worry about it. About half a year later, XXXX told me that I still owed them {$9600.00}! Why?
Product: Checking or savings account

Multiple fraudulent charges appeared on my account and the bank fail to correct the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Was only suppose to be a XXXX deposit as advertised on XXXX XXXX but they want XXXX for a XXXX line of credit that is funded by me per 12 usc 412 as Im holding the approval letter in my hand it say a XXXX deposit is require by names like you your and all these names that arent mine but want me to assume liability when the contract was breached by capital on since the begging Ive gave my name date of birth account number that they opened the account with for the credit and telling me my deposit requires another deposit when my first deposit was a asset on the banks books so how am I having to keep providing funding and havent receive any consideration only capital One acting As an authority over my account extorting deposits but my credit application. Funded it which the approval makes it clear so I need the card that Im approved for or the application back one or the other OR YOUR RESTRAINING MY LIVELIHOOD BY WAY OF THEFT WILLINGLY AND KNOWINGLY REMOVE THE UNAUTHORIZED USE FROM MY CONSUMER REPORT RETURN MY APPLICATION AND IF YOU CANT mail a check out for XXXX for use of my property I need to be justly compensated using my Name likeness and other identifying features to transact in treason tax evading and identity stealing irs already been alerted with the XXXX and XXXX so be ready to show them accounts receivables and payables im the only one who signed the contract so Im the only one who has rights to amend it to my favor so i need it back for review and revision
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accountsXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Mortgage

i had done a modification on the mortgage and what i just found out is unbelievable. The modification was done for XXXX years and I am only paying the interest on the loan. I have been paying paying biweekly thinking that the mortgage principle was getting paid down. This is underhanded by the financier on the loan. That they are getting away with this. I also had my loan bought and serviced 3 times. Even though I was paying my payment through ach from my bank account neither one of the banks or servicer 's will remove any of the supposed late payments. First it was Country Wide, then Bank of America, then XXXX XXXX XXXX, then and now XXXX XXXX. Whom which told me that the loan payments are for interest only. 

XXXX XXXX How can they get away with this!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Checking or savings account

XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. 

Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. 

I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.
Product: Credit reporting or other personal consumer reports

Date opened : XX/XX/year> Amount : XXXX A dispute letter has been send to company and I have yet to hear from them yet. I did not give the XXXX XXXX XXXX permission to sell my personal information to IQ DATA XXXX XXXX XXXX