23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.
Product: Bank account or service

I have contacted Wells Fargo on three separate occasions both taking an extended time to even get someone on the phone. I have requested they stop my bill pay ; which they have not ; they have debited {$200.00} out of my checking account without my permission. When I called to request the refund, only 1 payment was refunded which took 48 hours, then I had to call back a second time for the second payment. I advised this has been cancelled both over the phone and via my online banking. Now a 3rd payment has been drafted. I have had to wait 48+ hours all three times ; I have had to make numerous calls and been financially inconvenienced by having to wait for the money to be returned. I called today Sunday XX/XX/2017 and after 3 phone calls and over an hour on the phone I was advised I would instead have to call back on a bank business day to have the payment returned. XXXX!!! They need to refund my {$200.00} immediately and CLOSE MY ACCOUNT!!!!
Product: Debt collection

I had an account with XXXX for a while. Last year, I decided to switch carriers. XXXX tried unsuccessfully to get me to stay with them. I said no. After my lease was up, I was told by XXXX that in order to return their devices to them, I had to wait for their packaging to arrive. When it did not come, I called NUMEROUS times only to be told that it would come. In the meantime, they turned the bill for the devices over to Diversified Collections. I explained to them the situation. XXXX said I owed them {$1700.00} which was totally incorrect. In the meantime, they were still charging me monthly even though my lease was up and I had another carrier. Diversified threatened to show this on my credit report. I explained to them that XXXX never gave me credit for the devices and they were charging me monthly, in error. Diversified said XXXX never received the devices. After I produced the paperwork from XXXX stating they had received the devices, they changed the amount I owed them to {$980.00} which was still incorrect. I told them to correct the mistake on my Credit Report. They asked how much I would settle with. I told them at most, {$200.00}. I told them to send me something in writing confirming that if I paid them {$200.00}, they would consider the debt paid in full. They said no, send us the money of things will stay the same. This collection account hurt my credit score and is causing me misery and they refuse to have XXXX send documentation supporting their claim of this ridiculous amount of money they claim I owe them. Diversified has the most unprofessional, rude, inconsiderate agents I have ever come in contact with. They are wrong and I would like for something to be done and have them reverse this erroneous information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a freeze put on my credit report yet somehow a hard enquiry was allowed to be put through by CAPITAL ONE and XXXX XXXX XXXX on XX/XX/2023. Before I had a freeze put on my credit an enquiry was made by KOHLS/CAPONE on XX/XX/2023 and CAPITAL ONE on XX/XX/2023. All these are a result of fraudulent activity as I have never applied for credit from any of these institutions.
Product: Debt collection

I paid 6 debts to amcol systems they refuse to report to the credit bureau that they are aid they want to wait 90 days and wo n't send me a receipt showing I paid them for 90 days each time I call they are very rude and argue with me and tell me it 's my problem and I will just ha e to wait
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. Equifax is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Debt collection

On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as DNF ASSOCIATES LLC, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact XXXX XXXX but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXX PST, XXXX EST, XXXX PST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the US military and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I began to transfer my Robinhood account to XXXX. On XX/XX/XXXX my request to transfer stock was approved to XXXX. However, I also had {$1900.00} in cash in my account with Robinhood that was not invested. On XX/XX/XXXX I attempted to withdraw my funds and place them back into my checking account to reinvest on XXXX. My request was denied. I contacted Robinhood and received no response. On XXXX XXXX, XXXX, and XXXX, I attempted to get my funds and a message came up that they could not complete my transaction because my account has been deactivated. 

The funds were showing as still in my account until today XX/XX/2021. Today my Robinhood account shows a balance of {$0.00}. {$1900.00} has gone missing. Robinhood has no phone service to call. I've emailed and received no response back. They are now hold my funds for over a week since being notified I wish to withdraw. My money has not been moved to my bank, and now it is not being accounted for by their service. I want my money back in my account immediately. I am losing money on investments everyday they delay. 

What they are doing is highly fraudulent and nearly criminal without an explanation provided. 

I've attached screenshots and a video to submit as evidence.
Product: Credit reporting or other personal consumer reports

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/year> ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. XXXX! Please see screenshot attached :
Product: Debt collection

AD ASTRA RECOVERY SERV is stating they attempted to contact me ; however, have NO support evidence to support their statements. Now, they are sending Certified Mail, which should be produced in the first attempt if that was the case. 

With that said, this account should removed off my report until I have the proper opportunity to dispute the information! This should not be listed as in " DISPUTE '' it should be removed and allow me to DISPUTE it as the Credit Act and Debt ACT allows. 

In addition, please provide Assignment of Debt with signature for the CEO of the company stating you have a right to collect this " alleged debt ''. 

Please reference response on the CFPB # XXXX as stated, now they are trying to send a certified letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.
Product: Checking or savings account

I want to use the app XXXX  to automatically withdraw money from my checking account in order to save it. Periodically, XXXX will withdraw small amounts of money from my checking account and place it in a savings account. Recently this has been blocked. I would like to unblock it so I can use XXXX.
Product: Mortgage

Loan # XXXX Bank of America Home Loan, I XXXX XXXX, I submitted all of my paperwork to Bank of America for a Modification review. I spoke with my customer relationship manager on XXXX, XXXX 2018. She specified I submitted all of the correct paperwork to to finish my modification review, now I am waiting on The Appeals Department with Bank of America to send me a answer on the paperwork I faxed over to them almost 2 weeks. This is so frustrating to me. I need to keep my home. I have submitted everything the Bank has asked for and now still waiting on a answer with the Appeals Department. Whats else do I need to do? I did everything possible. I have sale date on my home for XX/XX/2018. I been working with XXXX also, and they are helping me also with this process. XXXX
Product: Credit card

I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I reach out to Pentagon Federal Credit Union via certified mail on XX/XX/2021 to exercise my rights to verified an alleged debt. 

Pentagon Federal Credit Union received my certified mail on XX/XX/2021 and they did not reply to me and I havent receive an audit trail & any other documents pertaining to the consumer credit transaction that I demanded in my cease & desist letter. 

I need this information to verify this alleged debt but Pentagon Federal Credit Union is ignoring me and this is an violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already attempted to contact XXXX XXXX, TransUnion, and XXXX about this account. 

1. Date opened is inaccurate. 

2. TransUnion did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

XXXX XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that TransUnion and XXXX  is allowing XXXX XXXX to commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes I have I have requested that they send me a sign application for the the cc that they keep verifying stating that its me all they send me is a pack of cc transtaction
Product: Credit card

We are very careful with any charges on credit cards or obtaining financing. We received a threatening " Account Notice '' from Sears stating that we must make a purchase or other transaction by XXXX XXXX, 2016 or have our credit limit lowered and to " hurry '' in doing so. We feel this is pressure to use our card, and we feel since we voluntarily applied for the account and paid as agreed ( actually early ) we should have the account available at our discretion. We know that credit bureaus receive information about account limits and closings, and these reports affect credit scores. We feel this is a predatory lending process on the part of Sears and should not be allowed to continue. After calling the account inquiries number to check on why we would receive such a notice, I closed the account by phone on XXXX/XXXX/2016, because I do not appreciate being threatened. We do not need Sears and XXXX ; they need us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PLEASE SEE MY DOCUMENTS ATTACHED
Product: Debt collection

earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
Product: Credit reporting or other personal consumer reports

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, EQUIFAX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chime bank also XXXX XXXX  is claiming they never recived my XX/XX/XXXX direct deposit from social security but social security provided me proof chime accepted my deposit social security issued replacement check with the understanding that chime will return the funds back to social security which they refuse to do so if they dont rerurn it my XXXX social security check will be withheld
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists my credit score XXXX points lower than XXXX  with the same information. Attempts to contact the company for an explanation/correction have been unfruitful since they only have an automated system that does not allow you to speak to anyone and hangs up on you. How then do I get this issue resolved if I can not contact the company?
Product: Credit reporting, credit repair services, or other personal consumer reports

In email correspondence, I was promised by a representative of Freedom Debt Relief that if I deposited approximately {$420.00} per month into my account, they would settle all of my debts with creditors in 42 months or less. When I asked Senior FDR Account Representative XXXX XXXX on XX/XX/2016 what would happen if FDR negotiators were unsuccessful in settling my accounts within that period, he responded that the 42-month estimate represented a conservative calculation, that in fact the target date was overestimated. He added, We like to under promise and over deliver. He added that if FDR negotiators " get better results you will be dept free a whole lot sooner. Finally, he wrote, 46 months is a worst case scenario. Given that assurance and only on account of that assurance I agreed to sign up with FDR. In recent months, however, they have asked me to approve two settlements that would require me to make payments to the creditors over the next four years. I have refused to do so. I regard these settlements as breaches of my original agreement. In fact, they represent no debt reduction at all, and in fact, since they also require me to pay a fee to FDR for their services, they represent an increase of my original debt.