23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, I sent in a complaint against my servicer, Ocwen Loan Servicing , LLC ( Ocwen ). I received an email from you with a Case number : XXXX. I have been unable to log into my account and requested the password but have not received the last email, so I am filing a new one. Ocwen has still been giving my the run around. I have spoken to several people including XXXX XXXX | Consumer Account Analyst | Office of the Consumer Ombudsman. I have been promised information along with an updated escrow analyst, but have not received. I am worried they are going to place the forced place coverage back on my account at a much higher rate then the homeowner 's insurance that I had before Ocwen decided not to pay and it got cancel in no fault of my own. My mortgage payment has increase two times since I submitted my complaint ( which I have paid in order to keep my mortgage current ). This is causing a financial burden on me and it has still not been resolved. The only thing I am getting is empty promises and and letters from Ocwen stating they are reviewing my account. This has been going on since XXXX 2015. I am so frustrated that I do n't know what to do at this point. What are my opinions? How can I get this resolved once in for all? PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The inaccurate account was brought to my attention recently. I have no knowledge where it come from I have never agree, sign or authorized the transaction. I have attached my license for verification. The information reported is incorrect, must be an error and accidently placed on my Credit report.
Product: Credit reporting or other personal consumer reports

In accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 or crimes which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

This account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged account should not include an active payment history. This is an accurate information falsely manipulates the statute of limitations. on top of that its also reporting two different account close dates on two different credit bureaus which is an accurate You failed to investigate this account properly and your neglect has violated my rights. I am demanding a payment history. This an accurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Product: Debt collection

This company contacted me threatening to take legal actions and also pretending to be an attorney. I was being harassed in a time I was a day out of XXXX  with XXXX XXXX in my XXXX. I was being told their a law company any I will be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

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

The company is affirm I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called affirm in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed affirms customer care and Ive mailed documents supporting the accounts as paid to XXXX in which they have yet to fix these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a 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.
Product: Debt or credit management

Misleading information and marketing No one have yet to respond Need address and information updated
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However, Bank of Albuquerq ue ( BOA ) is  reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact BOA and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculou s. BOA is  the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the date of Settlement i s  XXXX / XXXX / XXXX . I am requesting from the BOA a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's  credit score . Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK XXXX is mistakenly reporting to all 3 credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.
Product: Credit reporting or other personal consumer reports

In accordance with 16 CFR Part 641 of the FCRA, I request that the address discrepancy of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX be deleted off both my Experian and XXXX credit reports.
Product: Credit reporting

The following accounts have errors and experian will not investigate them. I have contacted the creditor with no response at all. 
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

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, 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 XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Remove collection from my credit report! I owe nothing! 
Code 15 USC 1681B Permissible Porpose
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX my apartment was opened illegally and items were stolen. The police fingerprinted and filed a report on the spot. I have renters insurance through USAA. They asked me to upload the police report which I did right away and all photos of my belongings that were stolen. They asked me to also upload any receipts I had. I did this but they were ignored and they made me upload them 3 times in addition to sending them the very same day via email which they asked me to do. They put a woman named XXXX on my case and things went really slow and she never knew where anything was. She told me an agent needed to come to my home and ask me random questions and see photos and videos they already had in their possession. I was put off by the face that he couldnt interview me by phone but had to come to my home. I need assistance I am being denied due process and they are making errors on my claim. Usaa
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report. I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Debt collection

I signed up for a business coaching program through a company called XXXX XXXX. After paying for more than half a year and attending two of their conferences, I informed them that the quality of the second conference was so poor and such a waste of time, money, and resources, that I would like to withdraw from the program. 

Instead of apologizing for poor service, the company insisted I continue paying. 

When I refused, they sent me to collections with Fair Capital. I explained to Fair Capital that I did not owe the company any money. When I requested that Fair Capital provide me with documentation, they ignored my request.
Product: Debt collection

Portfolio Recovery Associates LLC is threaten to sue me on time-barred debt in XXXX XXXX XXXX, Florida local case number in XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX filed the complaint without notification of the compliant. This debt occurred between XXXX and XXXX. I never received service of process about the court filing and hearing set for XXXX/XXXX/XXXX. I came aware of this lawsuit and date of hearing by searching the clerk of the court website for some other matter. This is unfair practices by the company and attorney.
Product: Debt collection

XXXX XXXX has reached out to the Collection Company of Diversified Consultants to collect a debt of {$140.00} that has already been paid to XXXX XXXX months ago after I closed out my account at a previous location. I can not understand why this company is stating that I owe this balance when I currently have service with them after I moved from the location that they are stating I left a debt of {$140.00}. It is highly unlikely that they would give me service at a new location if a previous bill has not been paid. You have damage my credit with this incorrect reporting on my bureaus ( XXXX, XXXX, XXXX ). I graciously ask you to delete this incorrect reporting from my all  bureaus. I make great efforts to keep my credit in order and to have something such as this reported on my bureau is unfair especially since you have extended me additional service. Please delete the amount of {$140.00} for all 3 credit bureau agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECOVERY ONE LLC # XXXX Notice for Proof of Claim Account : RECOVERY ONE LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

In XXXX XXXX XXXX  notified the XXXX via a 1099 C that the debt was cancelled and I paid the IRS for the additional tax liability. In XXXX of XXXX I filed XXXX  XXXX Bankruptcy in US Bankruptcy Court for the XXXX XXXX of Pennsylvania case number XXXX or about XX/XX/XXXX, Midland Credit filed a claim for {$10000.00} only using a public copy of a judgement that was entered in the Court of Common Pleas, XXXX XXXX, Pennsylvania that was entered in XXXX but never recertified as required b y law for continued collection. On XX/XX/XXXX Midland Credit Management was paid {$10000.00} which they was not authorized by law or their alleged client XXXX XXXX. Additionally, on XX/XX/XXXX I called Midland Credit Management and spoke with XXXX XXXX who stated they did not any documentation and they are required to provide proof of the debt, then stated I needed to speak to the bankruptcy department but they are not available.
Product: Debt collection

For the past XXXX days, I have received calls from a debt collector while I was at work, disrupting my professional responsibilities. These calls have caused mental distress, reputational harm, harassment, and violations of my privacy. The calls were made at inconvenient times and risked exposing sensitive information to my coworkers, which could have caused irreversible damage to my reputation. 

I did not initially know who was calling me, so I had to look up the number to find out it was a debt collector. I am concerned about how they obtained my personal information and would like to know who gave them my contact details and how they got it. I am requesting a copy of all documents they have obtained about me. 

The calls are in violation of 15 U.S. Code 1692d - Harassment or Abuse, specifically : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person. 

Additionally, I have requested that all future communication take place exclusively through the CFPB portal, as direct contact via phone or mail introduces risks of further harassment and violations of my privacy.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against American Express Debt Dispute Description : I am filing this complaint regarding a {$20000.00} debt reported by American Express. I believe there are discrepancies related to this debt, and I am seeking a resolution. Despite my efforts to address the issue directly with American Express, I have not received a satisfactory response. I am requesting the CFPBs assistance in investigating this matter and ensuring fair treatment.

Requested Resolution : I would like a thorough review of the debts accuracy and supporting documentation from American Express.