23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A few weeks ago, Bank of America shut my account down without prior notification ( in any form ) proclaiming that i agreed to this ( them being able to do such a heinous and unprofessional act ) they can do this because it was in the fine print I was pressured at the B of A desk which I signed to be a banker there some XXXX or 5 years. Now ( even upon request ) They wont give me the reason why they shut my account immediately and are withholding my funds, maybe using ticket-tac ways to liquidate it ( starting I had XXXX and now its ended up they reversed payments so its XXXX ). In all this that could drive someone sick Bank of America never offered to help me with my credit card/score ( they would always reject my requests to work with a service to help my credit score get on track and better- this had a lot to do with my XXXX- XXXX XXXX XXXXXXXX XXXX XXXX, don't wan to get the toothbrush to clean, etc ) and how i wanted to work with them to become better as a credible person in society.

They never tried to assist me kindly - especially when they didn't like my answer because I argued and didn't just back down, - I was always having fights with the agents and then they hang up on me because Id go too far... while Im on the maximum legal XXXX XXXX XXXXXXXX for such things as when hypothetically I get a low amount in my bank ( out of nowhere ) and I can get very scared to have almost hhad convulsions in which Ive told them about. I feel theres some higher-up as well as their mignons who are discriminating against me ( especially in a situation as such ) future financing for me, a bank that is now threateing to sabatoge my credit ( red flag me, etc. ) for the next five years because of misconduct and low amounts in the account. really honestly dont need that right now. Its hard enough just being. Please help me. Thank you.
Product: Mortgage

Our complaint is that while we paid Ocwen mortgage on time every time, out of no where we get a 1098 for only {$XXXX} I am not sure why they can get away with it but Ocwen constantly changes ( 4 changes out of 6 years??? ) our 1098s without any acknowledgment of what or why??

The letter attached shows that we had paid per agreement {$XXXX}, in interest Then Ocwen proceeded to do an " audit '' and keep/take {$XXXX}. We were never told 1. That they did the audit 2. What was decided by this " audit '' 3. Where the money went ....

We have tried, multiple times to ask where this money went but the problem is Ocwen then sold off our note to PHH ( they are in business together ) so when we asked, they only say " not our account '', and since they did not pay the taxes ( PHH had the account for escrow ) We only realized the extent of the problem when we only got a 1098 for {$XXXX} from Ocwen, and {$XXXX} from PHH in 2020 1098s for. We are missing {$XXXX}. minimum as our average 1098 is over {$XXXX}, so we keep asking where is it? We paid you over {$XXXX} in interest and Ocwen can not just say an audit happened.no explanations where the money went.

I have no idea why they bring up who paid the taxes since we are talking about ( at least since this audit gave us NO IDEA what was up ) this is interest expense, not escrow.

We have set up a transfer to another mortgage company as Ocwen is too much work trying to keep track of the money they move and don't tell you where it is going. We need the money back please, I have attached the letter from them showing they have no explanation of where the money went also a crude excel print out of the previous examples of 1098s, and how can they be so for off? So often?

Also you fix a {$25000.00} +/- problem with Ocwen earlier this year and we can not thank you enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED 2. US DEPT ED 3. US DEPT ED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I learned in XX/XX/2020 that my personal information was used to attempt to open an account at Ace Cash Express and therefore place a hard inquiry on my credit report. I first called in XX/XX/2020 where I was told they would take care of it in the next 7-10 business days. When I called back in XX/XX/2020, they said that whoever I talked to in XXXX was incorrect and that I needed to write them formally via USPS ( the only company of several that asked me to do this vs taking my directive over the phone after verifying my identity ). I sent them a formal letter along with an Identity Theft Report from the FTC on XX/XX/2020. Almost 6 weeks later, I have yet to hear back from them.
Product: Mortgage

I made contact two times in XXXX and XXXX via telephone to XXXX and then formally in writing on XX/XX/2021 to determine the process for eliminating Private Mortgage Insurance on my Loan with Mr. Cooper. With the telephone attempts, the " PMI Specialists '' were unable to 1 ) Locate the documents they needed to answer my question ; and 2 ) Said they didn't know how to answer my question which was specifically to tell me ( and send me ) the steps to follow for cancelling PMI. I find this hard to believe as this must be a very common question. 

I researched their online documentation and am confident that I meet the criteria to end this insurance as : 1 ) This loan has never been late and is paid ahead.

2 ) Original Loan was {$310000.00} and current balance is {$240000.00} = ratio of 80 % 3 ) Property Value has risen to {$340000.00} and current balance of {$240000.00} = ratio of 71 %. 

Per their instructions on my billing statement, I have written a formal request and addressed it to their RESPA Qualified Written Request address and still not received a response.
Product: Debt collection

To Whom It May Concern, Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unauthorized charge of {$680.00} from XXXX XXXX, which has been placed for collection by Forest Recovery Services. I do not recognize this debt, nor have I ever agreed to or authorized these charges. 

Despite my previous request for validation of the debt, Forest Recovery Services has failed to provide any supporting documentation, including proof of my agreement to the charge, a breakdown of the amount owed, or evidence that they have the legal right to collect this debt. They have also not responded with any verification as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate this matter and ensure that the debt collector either provides the necessary documentation or removes this account from my credit report. I believe this collection attempt to be inaccurate and unjustified, and I seek your assistance in resolving this issue. 

Please let me know the next steps in this process. I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have paid as agree even with the very high interest rate. I have spoken with customer service to correct this with no help. I sent an email with payment proofs on XX/XX/XXXX
Product: Debt collection

I was contacted by CPR today wherein they stated I had a debt. I demanded they provide verification of the debt, but they refused to do so and said they were turning sending it to the credit reporting agency. I told them that they are require to verify the debt and advised them that they are required by law to verify the debt. The woman against refused to verify the debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX initiated XXXX for me to XXXX based on share sale proceeds. This happened on XXXX of XXXX. Bank of New York Mellon is intermediary bank which is meant to send my money to XXXX XXXX. They held my money citing further information about me personally which I provided. They held on to my money for another 2 weeks after than then asked me for more information. This was based on discrimination purely because of my name. They asked if I ever had these weird names, they also asked me if I have to ties to XXXX or XXXX. Im an XXXX citizen working for a US based company. It is discrimination to signal me out preludes because of my name.
Product: Debt collection

XXXX made an error on my account, stating I didn't turn in my hardware equipment and tried to bill me for it and sent the account into a collection agency ( North Shore Agency ). 
this was posted on my credit score in XXXX  and negatively impacted my credit score, dropping it from a XXXX credit score to a XXXX credit score. Numerous calls from North Shore Agency bothering me about this and me having proof of all bills paid in full and hardware equipment being dropped off to a XXXX location with the date and tracking number, serial numbers of the equipment being returned to XXXX.
Product: Credit reporting or other personal consumer reports

A company called LVNV purchased a judgement against me from XXXX XXXX  which was originally a XXXX Credit Card account. They have sense posted the account as a collection account instead of a Judgement purposely to have it show up on my credit report in an effort to harm my credit score. I have repeatedly asked them to remove it as it is a judgment that is not allowed to be active on my credit report based on consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. 


By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX showing balance of {$2100.00}. 

am a victim of ID Theft. This account had already been removed from my Experian file and is being added again. This account was opened fraudulently at XXXX XXXX and was reported to the Police, you have in your record the Police Reports. Please delete/block account as it is a result of ID Theft and had already been removed and was just recently added again.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally refile a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Debt collection

PRA has violated a minimum of 4 federally protected consumer Rights violations under 15 USC 1692 1.Violation of 15 USC 1692e ( 2 ) ( A ) - On XX/XX/2020PRA sent me a debt collection letter with the amount of a alleged debt in a positive character amount. How is it possible to pay on a positive amount. This is a false representation of alleged debt. 

2.Violation of 15 USC 1692j-In the account details of the debt collection letter PRA furnished false information of the original creditor as if they were participating in this collection. 

3. Violation of 15 USC 1692b ( 2 ) - Several times throughout this letter this junk debt collector has stated that I owe a debt ... Debt collector has no idea if I am the person reading the letter nor has any form of written or oral permission to have any of my personal information or any contact with me. 

4.Violation 15 USC 1692d ( 2 ) -Debt collector is using obscene language which is XXXX  to me as the reader by stating that I owe a debt. 



I have attached the documents that I have sent to the violator.
Product: Checking or savings account

I wrote a check, check number XXXX to be exact, from my PNC Bank Account on XX/XX/XXXX for {$15000.00} to the XXXX XXXX XXXX XXXX to pay taxes owed to the IRS. The check cleared PNC Bank on XX/XX/XXXX, but the IRS says that they can not find the money in their accounts. They first asked for a copy of the check written, both front and back, and then they also asked for my XX/XX/XXXX Bank Statement, which clearly shows the check clearing my account on XX/XX/XXXX. I have sent them copies of the check and my statement on two different occasions. I have also spoken on the phone to IRS agents on 2 separate occasions, and they said that they can not trace the check from the series of numbers that are on the back of the check. The last agent I talked with told me to have my local bank give me proof of where the funds went to by doing a tracing, and that once I have the tracing, to call back to the IRS and fax them the proof. I have asked my local PNC branch XXXX, XXXX, two different times, at the beginning and also the middle of XXXX, to do a tracing on my check, # XXXX, to the IRS, as per their request. He called down to ask them to do the tracing and they said they would mail it out to me, but I have never received anything. When I called and talked to the XXXX on XX/XX/XXXX, he said he would look into it and get back to me the same day, but never did, and one week later, he still has not called back. He seemed reluctant to do anything more to get the tracing done for me and was not even sure if PNC could even do a tracing on the check. All I am asking is to get proof of where the {$15000.00} from the check I wrote exactly went to, in order to prove that the IRS received the funds. Please help me because I only have 10 more days to respond to the IRS letter, and in the mean time penalties and interest are accumulating on the original {$15000.00}. Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX