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

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXXXXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX 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 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Product: Debt collection

Received initial contact from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS on XX/XX/2023 via email stating I had a past due balance of {$5900.00} with included interest of {$92.00} that was originally placed for collections on XX/XX/2023. Initial email received on XX/XX/2023 did not contain my rights to dispute within 30 days of receiving this email so I sent a reply to this email, along with the email on their page with a Debt Validation Letter the next day on XX/XX/2023, and today on XX/XX/2023. Their website does not allow me to update contact information or my address as it always fails to apply, this has happened on XXXX different web browser on XXXX different devices. Furthermore, they do not respond to my emails about contact information submissions and I can never get in contact with them. I have requested additional information to be sent to me to my address and also to my emails. I have not heard back from the company. Their website also refuses me with submitting disputes regarding the account balance. To summarize, I can't dispute through my preferred method of contact, I can't get in contact whatsoever, I haven't received an informal, written letter stating my rights in my hand and they haven't responded to my Debt Validation Letter submissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores via XXXX XXXX, XXXX XXXX and XXXX have arbitrarily and with out just cause lowered my credit scores Transunion by XXXX points and XXXX by XXXX points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Product: Debt collection

Capital One Credit Card through Costco * Debt originated from automatic annual Costco membership fee of {$55.00} * Attempted to close this account since XX/XX/XXXX, as his Attorney in Fact. 
Capital One refused to accept my valid Power of Attorney ( Attorney in Fact ), along with my valid, current drivers license for identification, even though it was faxed, mailed and emailed to them multiple times. 
Capital One would not discuss the account with me or my attorney. 
* The referenced debt is indeed invalid and is comprised ONLY of late fees and interest Costco eventually refunded the membership fee to me. 
I sent Capital One the {$55.00} owed to them. They promised to reverse the interest and late fees, but have not done so. 
Capital One sold the account to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
My Fear is the submission of a lien against the Estate collect this false debt. 


I am enclosing the following additional documentation : Enclosure 1 : A copy of your letter to XXXX dated XX/XX/XXXX. 
Enclosure 2 : A copy of Capital One letter requesting my personal data dated XXXX. 
Enclosure 3 : A chronological summary of events covering the last year of dealing with Capital One Enclosure 4 : A chronological copy ( newest to oldest ) of faxes sent to Capital One. 
Enclosure 5 : A copy of my Power of Attorney
Product: Credit reporting or other personal consumer reports

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my credit report that a charge from Usaa was showing as a charge off on my account. I did not open this fraudulent account with Usaa. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since 2017 and I have been going back and forth with Usaa and the credit bureau to get this handled. A police report was filed for this identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to remove a security freeze that I do not recall placing. To date, I have been unable to remove this freeze. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Everytime I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XX/XX/XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax and no one has been able to verify my identity and yet it still lowers my credit score. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this freeze since XX/XX/XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage Services duped me into relinquishing my forbearance over a phone call by... 

I called about servicing on my account. The first thing they said was, " do you want to waive the PDMD from your account? '' I said what for? What's that? " It's for disaster relief from fire and flooding. '' I wasn't in a fire or in a flood? I said, for Flooding? I live in XXXX? They said, " yes, do you want it off '' I said yes. ( for flooding ). 

Then they sent me a letter saying you Voluntarily canceled your PDMD forbearance plan. 
Then I looked it up and see it includes XXXX XXXX. I was duped. I was targeted, given false information, and they relieved themselves of the forbearance and probably do it to XXXX XXXX of their customers. 

My loan was with XXXX and has just sold in the last 60 days to Carrington, so that is why this trick is now being played on me.

I also read now, that CFPB fined Carrington $ XXXX in XX/XX/22 for doing similar tactics. 
I wish I could have chosen who bought my loan from XXXX. I kind of feel that XXXX should be fined, too, as they must have been aware of these shady practices and still put me in harm 's way. 

I asked Carrington for a transcript of my last two calls for proof. They said no. I asked for a manager, they said one was not working, they told me they can't undo what I had done. I tried to explain that this is the GRIEVANCE! It was by Carrington 's miscreant hands that did it, not mine. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}
Product: Mortgage

Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 : {$390.00} was sent to Zelle account under XXXX XXXX. I had reached out to an individual on XXXX to buy concert tickets. After the money was sent I was expecting to receive the tickets, but the individual sent that they needed more money to transfer the tickets into my name. I declined and asked them to send me the money back and requested via Zelle to which I have not received anything back. Zelle has no feature in order to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.
Product: Credit reporting or other personal consumer reports

1ST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT # XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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. 

( 2ND ) IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT XXXX XXXXXXXX XXXX, HAS VIOLATED MY RIGHTS. 

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.
Product: Checking or savings account

Hello I checked my balance with the teller twice during the week that the NSF fees are charged to me. I asked her if there were any outstanding balance due. 
She said that there were none. 
The next day or two charges for insificent funds began to be charged to my account. 
I went to the bank and spoke with the manager on the first day of the charges accruing and she said that this was not something that the branch handles. However, on the paperwork that First Hawaiian Bank sent me the bank states that I can go to any branch and they will tell me what my balance is. I called the XXXX XXXX Hawaii branch and they told me to give them my phone number and they will call me back. No one called me back. First Hawaiian Bank was not forthcoming with the outstanding balance and then added the charges for the insificent funds. 
First Hawaiian Bank had me sign up for overdraft protection plan for checking account and then told me that if I didn't want to get charged for the overdraft fee I will have to opt out of the program that they told me to sign up for to avoid this matter. When I went to the bank to see what happened, the teller told me that I should have read the fine print.
Product: Debt collection

XXXX XXXX XXXX is claiming I owe them a lot of money, however when asked the attorney XXXX for this so called debt 's itemized statement and copy of the agreement no one will give me the information. XXXX XXXX XXXX stated that they liquidated the mortgage I had with them. XXXX will not tell me from what the debt came from. 
XXXX XXXX XXXX also has not produced a statement for this debt and a person can never be reached in the company who can answer the simple question of where the debt came from.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX # XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX, XXXX No. XXXX 15 U.S.C 1681 Section 602. 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 a person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for two jobs. One for XXXX and the other for XXXX. These companies ask for a background check and used the credit reporter Checkr. Checkr did the background reports and sent these companies my criminal record of over twenty years old. The FCRA law says that background reports must be up to date and not out of date information. There is a 7 years limit for criminal records in most states and is 10 years for bankruptcy. Telling these companies that they should consider these out of date criminal reports violated FCRA laws. Checkr further violated the FCRA laws when they also reported and told these companies to consider two pending criminal cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting to Experian that I owe them an outstanding balance of {$310000.00}, related to a mortgage I had with the bank back in 2010. This is not correct. This mortgage was included in a Chapter XXXX bankruptcy that was discharged in XXXX of 2010, so this account should have been updated to show that it was resolved through bankruptcy, and the balance should report a {$0.00} liability. Furthermore, this account has reported negative information on my credit report for a period longer than 7 years, which is also a violation of my federal rights under the Fair Credit Reporting Act. The have intentionally altered the date of last activity to an incorrect date to continue to report this fabrication on my credit profile. I have made repeated attempts to contact the XXXX XXXX XXXX to correct this issue, but they refuse to take the appropriate action.
Product: Mortgage

I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. 

Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. 

Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. 

The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. 

Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. 

I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.