23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. Fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following fraudulent items from my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this identity report for XXXX XXXX & the inquiry for XXXX XXXX  does not belong to me. This is a result of fraud & I am asking that this be deleted.
Product: Credit reporting or other personal consumer reports

30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXXXXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately late XX/XX/XXXX, early XX/XX/XXXX, I disputed the balance reported by Transunion on my XXXX XXXX XXXX XXXX XXXX CC Visa account ; through XXXX XXXX online and directly with Transunion. Transunion is reporting my credit card balance in excess of {$10000.00}. XXXX  in contrast, is reporting the balance correctly, {$600.00} or less. I have disputed this balance and issue three times within this month directly with Transunion. They have reported back, the {$10000.00} balance is " accurate '' as reported by my Credit Union. I have contacted my Credit union and demanded my balance be reported correctly to pertinent credit reporting agencies and inquiries. I confirmed my balance to be {$600.00} or less and requested my account be annotated regarding our discussion and this credit card balance issue. Please enforce and/or advocate Transunion and XXXX XXXX XXXX XXXX XXXX accurately report my credit card balance. Thank you.
Product: Credit reporting or other personal consumer reports

I check my credit report right now and the Equifax report is not showing
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I spoke with the XXXX, which said it did not hire or authorize LVNV/ResurgenXXXX XXXX XXXX XXXX XXXX XXXX on its behalf. The XXXX also said there was no purchase agreement between them. 

I am not liable for the debt for {$16000.00} ( reference # XXXX ), {$16000.00} ( reference # XXXX ) and {$7900.00} ( reference number XXXX I DO NOT HAVE A CONTRACT WITH LVNV/Resurgent/XX/XX/XXXXl ; THEY XXXX NOT PROVIDE ME WITH THE ORIGINAL CONTRACT OR PURCHASE AGREEMENT AS I REQUESTED WITH MY WET SIGNATURE AND ID VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry by XXXX XXXX on XX/XX/23 that wasn't made by me. 
Credit inquiry by XXXX on XX/XX/23 that wasn't made by me
Product: Credit card

I never opened an account with Chase. And I receive letters from jp Morgan chase bank said I own they XXXX dollars. So I check my XXXX XXXX, it shows I have XXXX chlosed accounts with the company but I never apply for it
Product: Checking or savings account

On XX/XX/XXXX I was on XXXX XXXX and thought what I was buying was a dresser from XXXX. This was, as I found out, a scam. I realized this fairly quickly, and I disputed the charge on the same day as my purchase with the bank. The bank did not get back to me until two days later and confirmed on XX/XX/XXXX they had received my disputed charge. Nothing happened until XX/XX/XXXX, until various charges were posting on my account from all over the USA, and including a few foreign countries. My charges went through until my balance was low enough for them to bounce. Just two notices in between the 100+ charges warned me about unusual activity. I contacted customer support and my small business debit card was locked and a new one was established. The customer rep could not help me and said it's the risk team that takes care of this and they can only be reached by email. I pay {$140.00} a year for the privilege of talking to someone when a problem arises, but there is nobody who follows up with me. The bank neglected in their duty and care when I disputed the charge immediately, the same day, on XX/XX/XXXX. They should have flagged my account, and alerting me they were locking my card asap. At that time, I was sure I was scammed, but not realizing my account would be hacked. On XX/XX/XXXX, I disputed the transactions one by one. On XX/XX/XXXX, I am getting confirmation from someone on the risk team that they received my disputed charges and did I lose the card or was it stolen? It was clear nobody had even looked at my account yet, or they would know that this was not a physical theft of my card or an exposure at some store. The card was always in my possession. I have sent evidence of the XXXX scam which I found to be very widespread and sophisticated and going on for several years now, with XXXX doing nothing about it. I have sent messages to XXXX and they don't get back to me. It is now two weeks since the initial disputed charge and I have yet to hear anything from the bank. I have been credited some charges that were pending but at this time still am missing about {$1000.00}. Now I found out that XXXX XXXX  who is associated with my bank FOUND was given an enforcement action by the FDIC exactly because they lacked adequate internal controls and information systems. I insist that the bank is refunding me all my money as soon as possible, so I can close the account and take my hard earned dollars to a bank I can trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled mine, my spouses, and my children 's information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 a account without my written instructions XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Product: Debt collection

I was applying for a mortgage but was declined due to a bad credit score. I obtained a credit report from XXXX  and found out the following : ALLIED COLLECTION SERV. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. Phone : ( XXXX ) XXXX " Has flagged my account as Collections on XX/XX/XXXX, XXXX with Balance : {$740.00} XXXX  XXXX  " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Phone : ( XXXX ) XXXX " has flagged my account as Collections on XX/XX/2021. Balance : {$740.00}. 
Both collection companies are representing XXXX claiming that I have a due payment of {$740.00} and I must pay to avoid service disconnection. Although I dont have account with XXXX I confirm that I dont have an account with XXXX and my service provider is XXXX XXXX XXXX since XX/XX/XXXX, XXXX.But for unknown reason to me XXXX keep pretending that Im XXXX client and have payment due. 
Im reporting this complaint to ask for your urgent support and required action so I can clear my credit report from these false flags.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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 reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX CARD Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX BANK Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX FINANCE Account XXXX
Product: Debt collection

I dear have pay the debt I have a email all provide I have call the debt collector company but they dont take off, still show in my report. 

I already paid the academy the contract is no longer with the collection company and they continue to leave it in the report, I've already called the collection company several times, the academy has already sent me an email to the collection company that has been paid and has already sent it to collection company also plus the nap collection company removes from my report, I send all the prints I have. Thanks