23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. 
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. 
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. 
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. 
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. 
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. 
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. 
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. 
Regards, XXXX XXXX XXXX : Ocwen Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Product: Debt collection

Midland Credit Mangement has yet to provide me with a letter validating debt. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting that you provide validation of this debt.

Please provide the following : 1. Verification that the debt is mine, including the name and address of the original creditor.

2. The amount of the debt and a breakdown of any fees, interest, or charges added.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the signed agreement or contract that created this obligation.
Product: Credit reporting or other personal consumer reports

I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

XXXX, has written off a {$64.00} debt. FCRA SECTION 623 ( 15 U.S.C 1681-2 ) Responsibilities of Furnishers of Information states that a company that has charged off a debt or written it off as a profit loss must furnish the consumer with a XXXX. This company has not. Everything on a credit report should be reporting accurately and this account is inaccurate and should be removed from my credit report. The way this company is reporting this account in their books should be the same way it should be reporting on my credit report and it is not. This is tax fraud. Experian has failed to properly investigate my dispute and should remove this from my credit report. As well as XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/year> Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXXXXXX XXXX XXXX  Amount : XXXX ( Reported BY XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported XXXX XXXX XXXX  ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with Frontier XXXX, XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) XXXX XXXX XXXX line with XXXX Amount : XXXX, and finally also consist of a loan with XXXXXXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I put an item for sale on XXXX XXXX. An interested buyer made a plan to pick it up and wanted to prepay using Zelle. He sent me {$550.00} to pay for the item. I got an email confirming payment but did not see it in Zelle and noticed that my debit card was not up to date and was incorrect. I had only used Zelle once before so I updated the card thinking it would then go through. The email said I needed the buyer to add an extra {$500.00} to verify my account and to then follow instructions to pay the {$500.00} back. I was so uncomfortable having an extra {$500.00} and he was pushing me saying there was a time limit that I followed the instructions. I then realized there was not a payment to me in Zelle at all because I received another email from Zelle and noticed the slight difference between the email senders, on being Zelle online and the other just Zelle. I called Zelle and they do not offer any protection but reported the scam. I called my bank and I cant dispute it because I authorized it. Both places said there is nothing I can do.
Product: Credit reporting or other personal consumer reports

I would like to report fraud of the following open accounts attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing in my report that by law it should be removed. This account was on litigation and i have the proof from the courts to have it removed.
Product: Debt collection

XXXX XXXX XXXX has an entry on my credit report, I wrote them a letter asking them to verify it was my debt by sending appropriate documentation. They replied with an account statement I'm not familiar with as well as an account summary they produced themselves, nothing showing where or how I contracted the debt.
Product: Debt collection

On XX/XX/XXXX, I sent out a Validation letter to XXXX XXXX, to validate the debt was mine and to receive a signed contract, On XX/XX/XXXX, I receive a letter of summary of what they say I owe but no signed document, that same day I sent out the second letter asking for a signed document and letting them know that this doesn't not validate or verify. On XX/XX/XXXX, I received the same thing again but this time including XXXX XXXX XXXX
Product: Mortgage

I have been trying to obtain a loan modification for nearly a year and a half. I was repeatedly stonewalled with false investor guidelines that did not exist. Once I was able to prove that the supposed guidelines of MHP did not exist. I was offered a loan modification on both of my loans. I signed the loan modification agreements as instructed and sent them to Santander. Shortly after I received word from Santander that they would not honor the loan modification that they had arranged. Instead they wish to raise the payments on my second mortgage from the XXXX to XXXX On my limited fixed income this now becomes unsustainable. Throughout this process I have been stonewalled, been given false reasons for my denials, been spoken down to by the servicer, and been given incorrect information. I was only able to receive the loan modification offers through the help of multiple elected officials and the Massachusetts Attorney Generals Office. Now Santander gets me to sign one set of documents, and then throws me yet another curveball. I need assistance with this. I could not get away with changing prices after someone had signed a contract with me. Please help.
Product: Debt collection

For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX I received some inquiries on my credit that I did not authorize I have reached out multiple times to retain my creditworthiness but I was denied on the phone multiple times with Transunion which goes against the Fair Credit Act which they must be compliant to. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX XXXX and lastly XXXX XXXX XX/XX/year>. These are all tampering with my credit score as well as my creditworthiness and must be removed because I DID NOT AUTHORIZE!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/2024 ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

There are more accounts on my credit than those I had taken.
Product: Checking or savings account

a check was deposited and put on a 10-day hold. The hold was lifted and Chase refuses to take the hooks off me account now until they verify which they will be unable to do I work freelance. I gave the number I had and they can not verify and want to yard number they have which they can not get through
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX   and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
Product: Debt collection

After the equifax breach there were a lot of fake charges and I was able to get all but one expunged. This fake {$170.00} " IC Systems Collections # XXXX " original creditor XXXX XXXX '' is not valid as I have used XXXX for many years and haven't used " XXXX XXXX '' for about 8 or 9 years and when I had it they directly deducted their payment from my credit card with no issues. So this is FAKE FAKE FAKE and I can not get XXXX to understand this-there is no intelligent human life there to work with and I am up to hiring an attorney for {$5000.00} down just to fight to get my credit report to be accurate with XXXX. I pay ALL my bills including credit card 100 % each month, no balance EVER, and I just paid my second mortgage balance IN FULL so it isn'r about money, IT IS ABOUT HONOR AND HONESTY!!! 

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

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXXs 2 ) XXXX XXXX XXXX 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX {$8400.00} 8 ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Used car loan application was computer generated has wrong name on it from finance company and forged signature on all documents. I can provide document to show signature is a forgery.
Product: Debt collection

In XXXX, I had wireless phone service from XXXX. I had home phone and Internet service from XXXX as well. XXXX itself was divided into two separate entities. So, in order to pay my wireless bill, I would have to go to a XXXX wireless store. The wireless store would have no record of my wireless service and told me to contact the other XXXX entity that provided the home phone service and Internet, they would again re-direct me to contact the wireless store to settle the debt. I tried to settle this debt at, at least, two XXXX stores, and told once again, they have no records on file for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This erroneous account is to be deleted from my Experian and Transunion credit report, as Equifax has already removed this inaccurate information XXXX XXXX XXXX XXXX The correspondence from the company is attached. There are clear discrepancies such as the date last active being reaged. How does this meet FCRA regulations? Remove this immediately.
Product: Student loan

I have never taking out a student loan with this private lender. This account appears to be fraud and I have no knowledge of how this account appeared on report.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$840.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

They are requesting {$25.00} for an office visit that never occurred. They sent me a statement of charges, but like I have said, she was not seen at the XXXX clinic that day. I explained if they requested chart notes they would see this. They refuse and say unless I pay they are reporting this to the credit bureau.
Product: Debt collection

This debt collection company out of South Dakota has been calling my previous employer, my father in Florida, my ex girlfriend from 20 years ago, my friends, and current employer and have been discussing personal imformation with them about my debts and my character. Saying they are investigating me for fraud and saying I owe money. This has made me very upset and I feel embarassed and personally violated. On Wednesday I called the company and asked them to stop calling and talking to other people about my personal business and to notify me in writing. They said they do not notify people in writing. Their phone number is XXXX. They assigned a case number to me. XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/2023. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with XXXX, still waiting on dispute with XXXX, Nelnet not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.