23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ) ( please see attached ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Experian ( please see attached ). Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Experian ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They have not and can not provide any written proof that I have ever applied for this second account. As a result, my financial reputation is at risk. This matter should be investigated by your office as Experian is engaged in the defamation of consumers and is complicit in the spread of misinformation.
Product: Credit reporting or other personal consumer reports

My name is incorrect and should be under the initials XXXX and XXXX anything outside of that is incorrect. 

Also there are addresses relating to the state of Louisiana that my information was used and identity was stolen. 

Also the city of XXXX, CA which ive never lived. 

Also a rosecrans address, and a XXXX address in nevada ive never resided. Ive asked to have them removed and the bureaus will not
Product: Money transfer, virtual currency, or money service

I had an account with Paypal since 2016 and my account was permanently limited due to unknown reasons. I contacted paypal to see wha the issue was and they stated that it was due to a risk factor and I am unable to utilize my account. The company would not tell me anything as to what a risk factor is.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan and was immediately denied. When I received the letter detailing the reason my application was declined, it stated that I owed too much on my current revolving accounts and generally owed too much debt. 

However, I currently owe less than 10 % of my available balance and my XXXX is less than 20 % prior to accounting for weekly bonuses and overtime. My XXXX is less than 10 % once all income sources are considered. 

I currently subscribe to the credit tracking service offered by the bureau they cited, so I was able to see that the information reflecting on my credit report was accurate. When I reached out to the company to advise them of this I received a generic prompt to reach out to the credit bureau, which I have already done. 

I have yet to receive a reply to my specific inquiry.
Product: Checking or savings account

I continuously have been getting overcharged for the OOPS. I have not reached out to them. But I have noticed that this is happening to me, being over charged for the protection fees.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I need help ASAP! I believe I 'm in a predatory mortgage loan. I 've been trying to get out of this mortgage since I purchased my home in 2006 but, I have n't succeeded. The loan is an XXXX interest only adjustment loan with OCWEN Loan Servicing , LLC . The loan just matured last month, which means I 'm now paying principal and interest after 10 years. My mortgage has never been late until now, my monthly payment has jumped up {$940.00}. My monthly payment went from {$1500.00} to {$2500.00} starting XX/XX/XXXX. To make matters worst, OCWEN also claims there 's a escrow shortage and asking for an additional {$600.00}, which increases my monthly payment again starting this month ( XX/XX/XXXX ). My payment is now {$2500.00}. I also pay a XXXX trust monthly, which is {$700.00}. I can not afford a monthly mortgage payment now in total {$3200.00}. I contacted OCWEN by phone after receiving notice of the significant increase to my monthly mortgage payment in XX/XX/XXXX. I informed them that this payment was totally unaffordable for me and requested a loan modification. I applied for a loan modification with OCWEN in XX/XX/XXXX. After submitting all requested documentation, OCWEN denied my loan modification request reason stated because my mortgage was current. Per OCWEN, I need to be at least 30 days or more behind on my payments in order for them to possibly consider a loan modification. I 've even requested refinancing my loan with OCWEN, that was denied. OCWEN stated I was not eligible for loan refinancing and not eligible for any of the make home affordable programs, which include HARP or HAMP due to the terms of the owner of my loan. Per OCWEN, XXXX XXXX XXXX XXXX XXXX is the owner of my mortgage and holds the note. I am at the end of my rope. I have tried everything to work with OCWEN and they have been no help to me whatsoever!! Yet, they say they are here to help in difficult times. NOT TRUE!! I run into a brick wall every time I 'm forced to deal with OCWEN. This large increase to my mortgage is now causing financial difficulties. I exhausted most of my finances to make this month 's mortgage payment. Unfortunately, I 'm facing the same situation for this month. I need some type of relief until I can find a permanent solution. I 've tried to refinance my mortgage with other lenders, such as, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX with no luck. I 've even tried my credit unions. They wo n't touch the loan because I 'm currently underwater with no equity and they do n't have other programs to help because my loan is not owned by XXXX, XXXX XXXX or FHA. I hope the CFPB can force OCWEN and XXXX XXXX XXXX XXXX XXXX 's hand, whereas, I will either receive a loan modification or refinanced into an affordable loan. I know both have been in trouble before with mortgages. I 've worked to hard to rebuild my credit and avoided foreclosure, which I am possibly facing now. One lender suggested that I do a short sale and get out of the loan all together, which is easier said than done. I hold a clearance, which makes my situation even more difficult. Your assistance is this matter is greatly appreciated.
Product: Student loan

I tried for a few years to lower my student loans.i was in a work accident a year and half ago, I tried getting my payments lowered but I did not have any taxable income because I was getting workers compensation.so I had to do another forbearance..And now I am trying to do a hardship, and I mailed them application and my tax information because I do n't have a computer to print out pay stubs..i tried many attempts in the past to lower my payments with no luck..i complaint to department of education and they wo n't help me.. Since I could not afford the payments and no body will help me then I ca n't pay them..Navient is a scam and dept. Of education does not care.. Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Square , Inc. ) regarding a disputed transaction for an item I never received. 

Transaction Details : Date of Transaction : XX/XX/XXXX Amount : {$90.00} Merchant : XXXX Item : Infrared Fireplace Cash App : Case # XXXX I purchased an infrared fireplace from XXXX XXXX XXXXXXXX through Cash App on XX/XX/XXXX. Despite multiple attempts to contact the seller, the item was never delivered, and no tracking information was provided. When I filed a dispute with Cash App, they denied my claim, stating that the merchant had " fulfilled their obligation. '' However, since the item was never received, this claim is false. 

I provided Cash App with evidence that the merchant did not deliver the item, but they refused to reverse the payment. 
Cash Apps partner bank ( XXXX XXXX  ) will not engage due to their policies, leaving me with no recourse. 
The companys lack of consumer protection for fraudulent transactions violates fair business practices. 
I am requesting the CFPBs intervention to ensure Cash App follows proper dispute resolution practices and refunds my money for this undelivered purchase. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

ACCOUNTS : [ Account Name : XXXX XXXX  Account # : XXXX ] [ Account Name : XXXX XXXX Account # : XXXX ] [ Account Name : XXXX XXXX Account # : XXXX ] [ Account Name : XXXX  XXXX Account # : XXXX ] Specifically, I am seeking the removal of 4 unauthorized accounts. It is essential that my credit report reflects only accurate and legitimate information. 

Additionally, my personal information was exposed in the XXXX data breach, which has further compromised my identity and contributed to this fraudulent activity. I expect this matter to be handled with urgency and diligence to restore the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Experian is showing a student loan account balance with XXXX for $ XXXX. The account was transferred to XXXX. XXXX reports a zero balance. I have submitted numerous disputes to Experian to no avail.
Product: Debt collection

I cancelled XXXX went to anotherInsuranceAgency. I started with my new insurance on XX/XX/XXXX and that was the same payment date I had with XXXX XXXX, so it should have been a seemless transistion. I did not want a gap in my insurance. They not only did not cancel myinsuranceas I was told would happen. They charged me anyway and overdrew my account. They refunded my money ( document attached ) now I am being harasser by this company Credit Collection Services. Then also trying to get me to pay an return check fee????? I ended my relationship with them on XX/XX/XXXX and owe them nothing. They are trying to insinuate that the fees are forinsuranceupfront/deposit??? I did not pay an upfront fee forinsurancewith the original agent also named XXXX ( Who had me write my credit card info on a piece of paper which he conveniently lost and asked me over the phone to give it again? How do you refund the money and then request it again .... then forward it over to a collection to HARRASE me???? Account/Order/Tracking number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have 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 items of information, other than records or 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: Debt collection

On XX/XX/2021 At approx XXXX A representative ( I think XXXX was her name ) returned my phone call in an attempt to work out a debt I possibly owe. Unfortunately, the boxes I checked prior to being able to voice my complaint here are somewhat inaccurate because there was not an accurate one to click on and it would not let me proceed without clicking something. Here are my complaints. 

1. The representative lied to me by telling me they put a lien on my house. ( She was very clear about this and even said the lien on our property would be lifted as soon as the debt is completely satisfied ). I called the courthouse and according them not only is there NOT a lien on my home but unless there was a special circumstance ( like doing work on our home ), they CAN'T put a lien on our house. 

2. The representative belittled me making me feel HORRIBLE by telling me this is such a small debt to take care of. 

3. I was told they would be unwilling to consider any settlement without proof of the worth of our home. When I asked why she needed this I was told that if I could sell our home or take a loan out on our home that would cover the debt, they would not accept a settlement of any kind since this was such a small debt. ( To me, XXXX is not a small debt. I live paycheck to paycheck. ) I would also like to know what house sells for less than XXXX. It all added up to saying that if I owned a home, they would not settle. 

4. She was willing to take payments but not sure if they could accept anything as small as $ XXXXmonth. This payment amount was something talked about .... but after going over finances, I could not see how I could make a sustained payment even close to that amount. She was also unwilling to stop the daily interest which, after going over my debt/income, is more money than I can afford to pay each month! The debt would be getting LARGER even after the small payment I might be able to squeeze out. 

The bottom line is this. Although much of what was said may " technically '' be legal, .... LYING to me about the lien can not possibly be considered legal ... XXXX And ethically speaking, I have never felt so horrible about not having enough money to pay this. I don't understand how I can pay if the interest alone each month is more than I can afford and they won't settle because I am a homeowner ( I'm not sure how legal that is ). I obviously can't take out a loan on the home to pay them because then I have another loan to pay on ( which I can not afford ). 

I am only a homeowner of the home we live in. I have no other property I could possibly sell to satisfy this debt. 

I also received a letter from them some time ago asking me to itemized my belongings in my home. I have bought nothing on the credit cards they are collecting for that would warrant such a thing. Unfortunately, I have misplaced this paper. I am sure all letters sent to me could be pulled from their records though. 

They are giving me no option to pay, making me feel horrible, and lying about putting a lien on our home. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and XXXX. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.
Product: Credit card or prepaid card

American Express used to be my credit card company till unexpected happened during Covid-19 which led my card to be closed down. Before closure, I had {$1000.00} limit but then American Express was waving late fees. Fast forward to chargeoff and now my account is on {$1600.00} with interest of {$600.00} which is a lot. Ive tried to dispute to get validation but never received information or resolution about my dispute with Amex. They are making life unbearable for me by trying to charge {$600.00} from a Covid-19 survivor. It doesnt make sense at all. I would like them to be very fair with the interest as bunch of credit card companies waived alot of fees. Amex making life unbearable for me.
Product: Checking or savings account

I purchased a cover from XXXX XXXX and returned it. XXXX XXXX issued a refund to a closed account, however it shows that the refund was processed successfully and Chase is saying they dont see the refund. I have been going back-and-forth with XXXX XXXX and there is nothing they can do since they successfully issued a refund back to my debit card that is closed with Chase.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX XXXX and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to XXXX XXXX XXXX XXXX XXXX, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.