23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. 
Sincerely, XXXX
Product: Debt collection

Company is reporting a debt to my XXXX credit report. I have attempted multiple times to request debt validation and have received nothing from this company
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX XXXX XXXX, having my residential address at XXXX XXXX XXXXXXXX XXXX XXXX, hereby inform you of my dissatisfaction with the service I have received from Binance so far, this letter has the intention to bring some background and facts about a complaint a have with Binance ( hereinafter the XXXX ), and that they have incorrectly addressed my complaint. 

Back on XXXX XX/XX/2021 through XXXX XX/XX/2021, I entered into an investment contract with XXXX to transfer 12,000 EUR. I transferred my hard-earned money under the instructions of the scammers and paid them out to XXXX representatives, thinking that I am engaging a legitimate investment firm, however, XXXX has taken my funds and failed to repay the money to me upon request. 

Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my Hard-earned XXXX XXXX within a very well-planned and orchestrated operation. 

On XXXX XX/XX/2021, I approached Binance with a Dispute letter to address the concerns I had as negotiations failed with XXXX to reach a satisfactory outcome, I have attempted to resolve this matter with Binance but they have failed to settle this matter satisfactorily. I have dealt with them in good faith and am deeply disappointed in how they have handled this matter thus far. 

Its a shame that I was a simple end customer without any cyber-powers like theirs could have gathered all the evidence and presented it in an organized manner which shows that A ) we are dealing with sophisticated scammers and B ) they didnt do their job properly. 

Financial firms need to consider guidance published by the international financial regulatory bodies, which is taken into account when deciding whether to take action again a financial firm for not carrying out due diligence. I implore Binance to take their share of responsibility for the fact that due diligence has not been carried out, despite the merchant being high risk and unregulated, with many warnings issued to the XXXX community, no verification checks were run.
Product: Credit card

I lost my job couldnt pay back because I hurt my back at work and is currently waiting on XXXX
Product: Student loan

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from XXXX XXXX XXXX XXXX stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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

To Whom It May Concern, I am writing to dispute inaccurate information that appears on my Experian credit report dated XX/XX/XXXX. The account in question is : XXXX XXXX XXXX Auto Loan Account # XXXX Opened : XX/XX/XXXX Balance : {$11000.00} This account is incorrectly reporting 53 late payments on my Experian report, whereas my XXXX report reflects 41 late payments for the same account. This discrepancy indicates that the information reported by Experian is inaccurate. 

I respectfully request that you reinvestigate this matter and verify the accuracy of the reported late payments. If the account can not be verified, please delete the inaccurate information from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt assistance in this matter. 

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

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX XXXX, and Experian. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported my identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 reporting agency if the 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 have a dispute on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate '' consumer reports '' means a consumer report or portion thereof in which information on a consumer character, general reputation Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
XXXX ACCTS ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX CO ACCT # XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX. I reported counterfeit checks sent to me by a XXXX XXXX of XXXX XXXX XXXX to Bank of America. I reported them counterfeit because the routing numbers were not from a California Bank of America as the name the checking account is in on the check. The question of why the Routing numbers were traced to a Bank of America in XXXX XXXX was not answered. The question of why XXXX XXXX said in her letter that there was XXXX check of XXXX dollars sent to me when in actuality there were XXXX of different values was not answered. The question of what teller and why did this teller let this imposter deposit this check into my checking account was not answered. The question of who this imposter was who deposited this check without my permission was not answered. I have a question to Bank of America is to why Bank of America is either participating or covering up for this misconduct and harassment of me their client, XXXX XXXX I find this a very personal that Bank of America is not being honest with me on this. I find this to be decimation and sexist. Please change and answer my questions.
Product: Credit card or prepaid card

I have a charge on my Citi Credit card from ( XXXX # XXXX XXXX XXXX ) in the amount of {$4800.00} on XX/XX/2021. 

I called Citi and they cancelled my card and issued new card. There were a total of 26 fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX for a total of {$7900.00} I contacted Citi about the XXXX XXXX and they denied my claim because I had a valid charge from XXXX in the amount of {$240.00} on the same day. They said I needed to contact XXXX for the refund. 

XXXX told me that a person by the name of XXXX XXXX prepaid online for a rental to be picked up on XX/XX/2021 in XXXX XXXX, NC but never picked it up. They told me they would credit the amount to the credit card but never did. When I called back they told me to get a police report which I did. Now when I call XXXX back, they just hang up on me. 

I have contacted Citi twice again today. Both times got disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows a bankruptcy on my report from XXXX XXXX that I have disputed and Transunion has claimed was verified. This bankruptcy does not belong to me. Per Transunions website any public records collected before XX/XX/2018 are obtained from XXXX. XXXX does not have a public record showing under my credit file for bankruptcy and has submitted this information to Transunion. Transunion will not remove this incorrect data from my credit file and will not provide verification of bankruptcy that includes my signature.
Product: Mortgage

We recently just finish the forbearance. Now, we were looking to start making the payment. We were confuse about the Process. We didn't know there were 2 different payment options. Carrington contact us by email they said please, please contact us the Completion letter, I was confuse. I receive a call from XXXX XXXX. Thought this and Carrington were one. He then explain each one. XXXX  XXXX XXXX also said we hadn't made a payment in 2 and 1/2 years. A lady from Colorado at Hud call. I told her we built our house in XXXX. She corrected me and said it was XXXX. I corrected her and said it was XXXX. She said XXXX XXXX I'm looking at the screen and it was XXXX. I said oh my gosh!! This is how XXXX people losing their houses. I'm waiting for XXXX  XXXX to produce Payment Histories for year XXXX, XXXX. Carrington and XXXX XXXX XXXX violated " Real Estate Settlement Procedure Act. Failure to make timely payment out of borrower 's escrow. This loan has {$18000.00} dollars sitting in escrow right Now!! Why?? .Our house in Auction " now waiting for XX/XX/XXXX '' Mortgage Service are required to work with you and tell us about all available option to avoid Foreclosure That didn't happen! That was a secret. This house has {$200000.00} XXXX dollar in Equity. This is an investor Dreams. I had 6 calls this weekend to tell me our house would be Auction XX/XX/XXXX
Product: Mortgage

The mortgage lender pre-approved my application only to send me on a revolving cycle of confirming my financial transactions. They wait until my bills are due and make me verify my transactions all over which inhibits the closing process. Aside from that, the lender approved me for a conventional loan instead of a FHA loan to present more hurdles.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under Status : Charged off, past due amount : {$300.00}. An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. A collection account opened at XXXX XXXX XXXX from XXXX XXXX XXXX  XXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. A secured loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. A collection account opened at XXXX on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. Two collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, one for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX from original creditor XXXX XXXX on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 card or prepaid card

Ive never been late for my best buy credit card citi bank, I just got out of a relationship and I was in the transition of getting a new job, and im struggling I just recently graduated and taking care of my kid on my own. I will pay all the balances on my card in full. I need to make sure the one time late payment will not affect my credit score. I will pay this card in full, I paid this card on time every month this is the first time Im really late. Please remove it off my credit report. This will be paid in full.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXXXXXX XXXX XXXX Balance Owed : {$26.00}