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

As you are well aware, Ocwen loan Servicing Co. LLC is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in XXXX dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current XXXX  and XXXX credit reports are showing that on XX/XX/2019 Ocwen Loan Servicing Co LLC reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information Ocwen Loan Servicing LLC reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap.

Im tired of Ocwen 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
Product: Money transfer, virtual currency, or money service

PayPal continues to refuse to honor my request to have my account and all of its related data deleted.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting this account as open ; XXXX XXXX account number XXXX. 

According to the company, there is no account on file. This is inaccurate information and must be deleted per 15 USC 1681b ( 2 ) and 15 USC 1692.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$760.00}
Product: Student loan

I've been paying premier student loan and it looks like they are in a lawsuit with the government. Seems the business is temporary shut down but they have been taking payments from me for a while
Product: Consumer Loan

Around  XXXX  or  XXXX  of  XXXX  my husband and I visited  XXXX   XXXX  to finance a car. A sales person helped us out and assisted us with the purchase of a  XXXX   XXXX   XXXX . We signed all kinds of paper work a contract etc..The initial purchase for the vehicle was for {$16000.00}. As of now currently my balance is {$17000.00}. Last week on  XXXX / XXXX / XXXX , I called the finance company to ask for a review of my account because my statement does n't make any sense to me. Apparently I was told by the representative at Santander  XXXX  company that the contract I signed is a " simple interest contract '' she explained that interest occurs everyday the amount of {$10.00}, adding up to about $ 310 monthly and other additional fees, I was completel y un  aware of this kind of contract I was signing, it was not explained to me. With that said my monthly car payment is {$420.00} and every month I pay all the money goes to only interest fees and {$0.00} towards the car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX in accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A., It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I recently contacted my VA representative about my current situation ( unemployment ) and he suggested that I submit an application to USAA/XXXX  to get a forebearance that will allow me to get 12 months of forbearance to allow me time to find a job. I submitted the allocation for a loan modification based on the fact that I was unemployed. After months of them losing my paperwork and finally getting a package to submit to the department for approval of my modification, I was told that my application was denied because of lack of income. This is ridiculous because I informed the mortgage company that the reason I was applying for a forebearance was due to my unemployment. Harley was the individual that I was working with. I informed her that I had signed into my account and the amount that is shown is significantly less than the amount that she was quoting. She kept telling me the amount was the same and I should look farther down the site and there was nothing noted that the amount should be different. In fact the amount was {$1800.00} different from what she was quoting. I asked if I could make the $ XXXX plus and she indicated that I couldnt do so. I said I found pay all of the back payments that I owe but I wanted them to wave the fee and they refused. I asked them to wave the {$790.00} late fees and they refused. The late fees are excessive and i dont believe my original loan allowed for the excessive late fees. I owed more in the year they had my loan than in the 5 years of my previous mortgage holder. I also asked for the documents that alowedngor the excessive fees. I asked her to give me an itemized statement of what the corporate advance were and they sent out a form that didnt itemize the corporates advacnex. She said they were also charging me an additional {$14.00} a week to have someone go to the house to make sure it was still occupied. I asked her why was that necessary and if it was necessary then why would they charger that fee to the consumer who is already having difficulty paying their mortgage payment. They also charge {$860.00} in late fees that Included late charges when the account was in foreclosure and also in loss mitigation. This shouldnt have been charged. It is my opinion that this company does nothing to assist the consumer. I believe they are in the business of trying to foreclose on home with a lot of equity in the home. When I asked for assistance XXXX pretended to want to help me stay in my home. I waited a week or so to see what she would do and called her back and she had done absolutely nothing and I asked what she had done and she said that she was going to wait so she could give me my options of short sale or deed In lieu ... so how is that helping me to stay in my home. I am a XXXX  veteran and single parent and I had no assistance from either the VA or USAA. I want to ask to have my money for the late fees returned and the {$1800.00} that the mortgage tacked on to my payments and and clear and concise explanation of any oleander all fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$450.00}
Product: Debt collection

LVNV Funding Acct # XXXX a said debt that they obtained from XXXX XXXX Bank ending in XXXX is attempting to collect a said debt but they dont have authority to do so in California so under 20 U.S.C 1234e I demand a cease and desist and the third party debt collectors. Also under 15 U.S.C 1681 Section 604a. I have a right to privacy since the said debt was sold my rights were violated again. I ask this account be deleted in error
Product: Debt collection

Synchrony Bank sold an account to XXXX XXXX. I have submitted disputes with synchrony bank and have been told Synchrony is buying back the account from XXXX XXXX. However XXXX XXXX has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at XXXX XXXX  or XXXX XXXX XXXX have access to XXXX funding information they are only tasked to collect the debt of which I do not owe. XXXX XXXX is also reporting multiple inaccuracies to the Credit Reporting agencies.
Product: Debt collection

This is in response to case XXXX. Navy Federal has defaulted by not rebutting my affidavit with an affidavit however I am giving you an opportunity to cure by giving me the previous remedy requested. I have attached my initial complaint with these requests for reference.
Product: Debt collection

On XX/XX/2019 ( 1 yrs, 5 mos ago ) I received a derogatory remark on my credit report from XXXX XXXX XXXX a debt of {$91.00}, and is now in collections with Allied business services. XXXX XXXX had put me on a payment plan of {$18.00} which I never agreed to especially when I have insurance to cover all copays and medical bills they were charging me late fees for not paying the payment plan and without any notice, I was missing payments and ended up finding out about debt when my mom received the bill. We went online and paid the bill completely and canceled the payment plan for the next time I went into Metro services but the bill still made collections I tried to call and get it removed and they wouldn't and I have received no help. It's not fair that I have to live with debt and remark on my credit that I paid and was refunded all of the late fees.
Product: Credit card

When I logged into my American Express account, I saw that I had a targeted offer. The offer was " Apply for an Upgrade to the XXXX card from American Express ''. The terms of the offer stated that, if I was approved, I would earn XXXX XXXX XXXX points after spending {$3000.00} in 3 months. I met the terms of the offer within this time period, but the XXXX points were not credited to my account. I contacted American Express several times, and each time they said I was not eligible for the offer. I think this is a bait and switch move. If I was not eligible for the offer, then why did American Express target me through my account website. I have a screen shot of the offer from when I logged into my American Express account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Expressed to XXXX, XXXX, and XXXX ( not yet XXXX, XXXX XXXX, Lexus Nexis ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the XXXX XXXX that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) Please view the letter which is addressed to your company
Product: Credit card or prepaid card

Ordered pantry cabinet and never got it disputed it twice with cash app they denied my dispute two times. They haven't made the merchant respond or try to contact merchant and I sent proof I tried and they still took merchant side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX Edition, XXXX, defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they  report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my FICO score to drop from XXXX in XXXX  year. Today, My FICO score it's XXXX Equifax XXXX XXXX, and Fico XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account Executive the school assigned to students file. NDSL ( National Database for Student Loans ) credential the XXXX  student as documented as XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX  her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX  and XXXX XXXX XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of XXXX on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. After carefully reviewing my credit report, I noticed a hard inquiry that I did not authorize. I am concerned that this inquiry XXXX have been made in error or as a result of potential fraudulent activity. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Since I did not initiate this credit inquiry, it should be removed from my report immediately.
Product: Credit card

Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Charge was made on my credit card for {$620.00} by XXXX on XXXX, I noticed the charge immediately called on XX/XX/21 my credit card company, they removed the charge and issued me a new card. 53 days later on XX/XX/21 I get a notice dated XX/XX/21 that an investigation was done by my credit card company ( Barclays ) and the charge was deemed to be legit. I immediately called them and they stated the vendor was able to verify my email address. I was like are you kidding, that was enough for you to agree I made a purchase from these people? No proof of purchase, download or receipt, nothing. So I reached out to the vendor, who uses a third party to process orders, I asked them to reach out to their third party to confirm I never downloaded or received any goods from them. So far no response from the vendor, whom doesn't answer any complaints by phone, so all communication has been through email. Barclays wants to hold me accountable which is crazy and this vendor isn't going to admit fraud, so I'm at a total loss. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. I have already reported this incident as a case of identity theft and taken immediate action. 

It is crucial that we address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. Therefore, I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. 

Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to account ACCOUNT # XXXX, I asked all 3 bureaus to verify and fix the inaccurate account. XXXX  XXXX is reporting a charge off of {$6000.00}. The loan was paid off by my insurance company and the difference was covered by XXXX  insurance covered by XXXX at the time of signing XX/XX/2019. The only balance owed after the insurance payment was the {$1000.00} deductible. I asked XXXX  XXXX to provide me where they got this number from and failed to reply within 30 days. After I disputed this, the information was never corrected and as a violation of my rights I am reporting that the bureaus failed to do a proper investigation of the debt.