23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXWe have already filed XXXX CFPB complaint against Ocwen on this file for valuation fraud. Rather than go over it again I am attaching the documents for the previous complaint. 

Ocwen did a new value at the end of XXXX. We were told today that the value came back at the same price as the previous value done XXXX/XXXX/15 - $ XXXX. In a declining market and economy, how is this possible? 

Aside from the previous issues with being lied to from Ocwen, and Ocwen 's inability to produce evidence of their actions, the issues with the damaged roof remain. Ocwen is refusing to take into consideration a material fact in this real estate transaction. We have already provided Ocwen with all of the documents attached. 

Attached are photos of the roof damage. This roof is damaged and can not be " repaired ''. It is illegal for these roofs ( " cedar shake roof '' ) to be " repaired '' in California due to high fire hazard they present- they need to be " replaced completely ''. Due to the style of these roofs, a new roof also needs to have 'decking ' added in order to have a foundation upon which to attach the roof. Please see attached building code and article explaining the fire hazard of these roofs. I have also attached photos of the roof from all angles. 

Ocwen can certainly decline to do a short sale, and they can certainly decline to lower a counter offer after a value dispute. However they CAN NOT ignore material facts affecting the value of a home. They can not ask a buyer to pay an inflated price simply because they do n't care about the condition of the home. 

***The newest appraisal done, attached, does not take into consideration the damage to the roof nor the Building Codes that require a replacement of the roof. We want Ocwen to review the value and to take these material facts into account.
Product: Debt collection

I received notification to my credit reports of a collections by the company, Radius Global Solutions. I was never sent any communications from this company, neither have i ever received any calls from this company. So for them to place this on my credit report without attempting to contact me, is illegal. Adding the amount for collections is in dispute. 

I today contacted the initial company/creditor XXXX XXXX who verified that my driver 's license may have been used to verify my identity and obtain my social security number ( XXXX XXXX never requested my SS number for service ) and how the collections company XXXX have gotten my social security number to place the account on my credit reports. My driver 's license information is up to date, and I presently still reside at the address on the driver 's license plus XXXX XXXX has the same address as address of service and billing address. They also confirmed my telephone number, so this company had my contact number. Yet no attempts at communication. 

I am making a separate complaint against XXXX XXXX.
Product: Mortgage

We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX
Product: Credit reporting or other personal consumer reports

You just removed the fraudulent names and addresses from my previous complaint. Not the BANKRUPTCY! These BANKRUPTCY are not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX transfers of XXXX K each were made from my checking account and the arrived ok to Binance ( XXXX XXXX XXXX  ). 
On XX/XX/XXXX, 2 more transfers of XXXX K each were made from my checking account. Only one arrived, so my bank cancelled one. 
Then the company Binance ( XXXX XXXX XXXX ), issued a charge back, from the 3 transfers received, then it was only showing XXXX 
So I transfer XXXX K in total and only XXXX K are showing as received. 
Emails have sent but no reply received. 
Also my binance account # XXXX was blocked and I can't use it anymore and all my money sent is frozen. 
This is the company info : XXXX https : //www.binance.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife 's and my information had been compromised in the recent days breech.
Product: Debt collection

I am submitting a formal complaint against XXXX and XXXX regarding a fraudulent account that has been inaccurately reported on my credit file. The details of the account are as follows : Account Number : XXXX Account Status : CLOSED_CHARGE_OFF Balance Owed : {$0.00} Payment Status : Current Account Type : Installment Sales Contract Last Payment : XX/XX/year> Date Opened : XX/XX/year> Creditor Remarks : Purchased by another lender Account Rating : Payment after charge off/collection I have never done business with XXXX, XXXX, nor have I authorized any transactions or agreements that would have resulted in this account being opened. This account is entirely fraudulent and does not belong to me. The information associated with this account is inaccurate, and it is causing significant harm to my credit score and financial reputation. 

I request the immediate removal of this account from my credit report. If this error is not corrected within 30 days, I will pursue legal action against XXXX XXXX, and any related parties for violations of the Fair Credit Reporting Act ( FCRA ), defamation, and any other relevant laws regarding false debt collection practices. I will also seek damages for any harm caused to my credit and financial standing. 

I urge you to investigate this matter promptly and ensure that the erroneous account is removed from my credit file. I expect written confirmation of the deletion and any relevant documentation supporting this action.
Product: Credit reporting

My deceased mother 's past due credit card has been put on my credit report in an attempt to come after me. Her estate is in probate and everybody will get paid when the estate settles unless her creditor refuses to get off of my credit report and continues to cause me to be denied credit. XXXX deleted the account off of my report based on my information. Equifax refuses to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Account number ending : 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 an account without my written instructions.
Product: Mortgage

On XX/XX/2018 @ XXXX XXXX I called XXXX XXXX at XXXX extension XXXX is the assigned CitiMortgage Single Point of Contact for my account number XXXX. XXXX XXXX is listed as my dedicated SPOC as recent as Mortgage Account Information statement dated XX/XX/2018. The issue is that my telephone call on XX/XX/2018 at XXXX XXXX to XXXX XXXX was interceded by a XXXX XXXX employee ID # XXXX who inquired as to the reason for my call to XXXX XXXX. In reply I stated that I had some questions which were 1 ) is my account insured by the FHA or VA, 2 ) is the mortgage loan owner XXXX XXXX or XXXX XXXX, 3 ) is there a foreclosure effective date ( s ). But XXXX unapologetically and with a cavalier demeanor dictated to me that those questions should only be addressed by my attorney ( presuming I have an attorney ) directly to the CitiMortgage Foreclosure Attorney XXXX XXXX XXXX because the account is in litigation. On the contrary when I explained to XXXX that I do not understand why CitiMortgage is prohibiting me from seeking answer to the list of questions in my capacity as the account holder ; XXXX authoritatively insisted that I call their Foreclosure Attorney XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX Balance : {$27.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX  Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WSLFRG XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WSLFRG XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : $ XXXXDate Opened : XX/XX/2019
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me.
No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN VIOLATION!!! Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It has been over 4 days.
Product: Student loan

My original student loan servicer was sallie Mae i has been put on an interest only repayment program while trying to purchase a home from XXXX. Navient became my Lon servicer and began to defer my loan from XXXX student assistance corporation would call me and offer deferment as best option and never fully explained options. In XXXX of 2017 i was Contacted by XXXX XXXX  telling me i qualified For a student loan repayment program. If i made Eight payments of XXXX  dollars they would put my loan in good standing. I did not complete the program or fill out paperwork from them. They asked for my information and filled out paperwork for a consolidation loan i found out about later. After this happened my loan balance increased by XXXX dollars. My account history shows a lob payment of XXXX and new balance of XXXX. There are duplicate interest charges each month and there is no record of any paperwork or loan details form the school or original lender. Lon history is also different for each loan. In attempts to acquire Loan history and terms i have Been unsuccessful only being told they do not have any.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX  I went to dealer to look at vehicle. The dealer advised me My credit would be ran with XXXX XXXX, the dealer ran my credit without authorization through multiple banks resulting in hard inquiry, the initial vehicle I had applied for was sold, the dealer called me to come back once they had a vehicle in stock that was sufficient to preference, one again I was told we would continue with XXXX, but it was ran through multiple banks, This is a list of the inquires XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that 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 inquiries that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you. United States Bankruptcy Court stated that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies XXXX and LexisNexis because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, LexisNexis is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 



Thank you for your help in this matter. 



XXXX XXXX
Product: Credit card or prepaid card

I have 2 store cards with Comenity Bank one with Victoria 's Secrets and 1 with Express for the past 10 days Comenity Bank has stated that both the sites I'm trying to access are down for maintenance. My payments are due and I am unable to make the payments, unable to reach anyone over the phone, they have an automated system saying their offices are closed then it hangs up on you. You can't get to a live person, you can't make a payment on the app you can't make a payment on the website, you cabt even access your accounts, nothing is working and noone is saying anything at all. I've tried to contact Victoria 's Secret and Express and they have absolutely no clue and direct you back to Comenity Bank because they have no access to the credit cards to make payments because Comenity Bank is supposed to handle the account. It's absolutely obsurb for the consumers to have to go through this and risk affecting their credit for late payments because they can't make their payments due to the negligence of the credit card issuers system maintenance.