23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen responded to a complaint with the CFPB with errors of information. They stated that documentst are located in XXXX count records and they have mail me copies of the signed modification for XX/XX/2014 and XX/XX/2018. Ocwen stated they own the loan and the title of transfers are located in XXXX County and they have sent them to me. I have not received the documentation.
I have asked OCWEN to provide the Lender on the home being they can not foreclose until they do. The Lenders they provied one was seized by the Federal Government XXXX XXXX The other Lender they provided is no longer in business XXXX and they sold the loan.

I asking for all documentation to be sent to the CFPB as an attachment before OCWEN can move to foreclose on XX/XX/XXXX or XX/XX/XXXX 1 ) title of transfers from the orgination of the loan I show many possible times this loan has been sold without a chain of title. They own the loan they need to show every title up til OCWEN purchased the home 2 ) I am asking for the them to send to the CFPB the modification documentation showing we have an agreement where I reviewed the documentation of a new modificaiton contract with my signature. I am requesting XX/XX/XXXX signed documentation. I am requesting XX/XX/XXXX signed documentation of agreement. I agreed to the modificaiton.

3 ) Once again OCWEN is a debt collector trying to collect from an old debt that is pass the statuse of limitation. I am asking to OCWEN to show an active lender who has this loan. A trust is not an active lender. XXXX XXXX is not in my orginal documents and can not have the trust for the loan, As XXXX XXXX was and is still the trustee for the LOAN. I understand transfer of assignments, but not transfers of TRUST. Explain how a trust closes and then reopen and is assgined without my approval or signature being I had to approve it from the start once a trust is closed it is closed.

4 ) PLEASE provide the FDIC agent/department who assigned the Loan to OCWEN. The transfer of assignments happen in XX/XX/2015 9 plus years after XXXX an a transfer must be done within 30-60 days. Please explain?
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX  and with the credit bureaus and is potentially pending litigation.
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 : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my XXXX XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.
Product: Credit reporting or other personal consumer reports

Consumer requested verification of a number of inquiry items in question that is reporting to Equifax on consumers credit report. Consumer is lead to believe that Equifax not not thoroughly investigate and verify all items in question on consumers previous complaint. The evidence of this assumption stems from the fact that no one in the world would give a non affiliate private third party debt collection entity such as XXXX XXXX XXXX XXXX  permission to access ones consumer report. I asked Equifax to provide consumer with the evidence that gave these entities permission to access consumers credit report. Inquires in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please provide verifiable proof to consumer that consumer gave permission to these entities to access consumers report. In Equifax initial response, they only stated that the companies inquiry was factual and for me to contact the entities directly regarding the inquiries when it is the burden of the reporting company to make sure that every step and procedures taken to ensure the security and privacy of the consumers report. Equifax have not provided consumer with any factual proof from either entity but expects consumer to accept here say from them without verifiable evidence for the consumer to inspect.
Product: Debt collection

Ameritech Financial collected thousands of dollars from me and said my student loan was paid. 

I have just learned that their organization is fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, EQUIFAX claims that XXXX XXXX is the source of bankruptcy information although XXXX XXXX does not include a bankruptcy. With that said, EQUIFAX has neglected to assure the accuracy of the consumer report they've furnished in my name pursuant15 USC 1681e ( b ). As a result, EQUIFAX is civilly liable for these violations.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 2016, THIS ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. ( THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION BECAUSE I WAS AWAY IN XXXX XXXX XXXX XXXX XXXX XXXX 2016, THIS ACCOUNT WAS OPENED DUE TO FRAUDULENT ACTIVITY. 

THIS IS UNFAIR SYSTEM TO BE IGNORED AND TAKEN ADVANTAGE OF, WHILE PLENTY OF LAWS ARE BROKEN DUE TO MALPRACTICE AND SEVERITY OF NOT TAKING MY SITUSTION SERIOUSLY. IT HAS CAUSED FINANCIAL INJURY AND DEFAMATION OF MY CHARACTER ALONG WITH MORE THAN 45 DAYS OF NO RESPONSE
Product: Mortgage

The Money Source aka TMS, paid my taxes for XX/XX/XXXXafter they were already paid in closing. TMS was refunded in the beginning of XX/XX/XXXXfor those XX/XX/XXXXtaxes and then paid my taxes in XX/XX/XXXX and filed incorrect XXXX  's for XX/XX/XXXX and XX/XX/XXXX. When brought to their attention and asked for them to file corrected ones for XX/XX/XXXXand XX/XX/XXXX, TMS customer care said no go see a tax advisor. 
I then emailed and in writing de-authorized them to service the escrow account and demanded it closed. They said no they wont close it that it is a VA loan and it is mandatory. I explained to them that the VA does not required or have mandatory escrow accounts for their loans. I explained that I did not apply to TMS or refi with TMS that they assumed my loan and must accept all terms and conditions. I explained that on page 4 of the loan disclosure that escrow was not mandatory for the loan and that I voluntarily accepted it and that it does sate that I may cancel with out stipulations. They told me again no they will not cancel my escrow accounts that I can refi with them or to make escrow payments or they would file against my credit reports.
Product: Debt collection

I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, il. XXXX on behalf of plaintiff, Velocity Investments , LLC XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you
Product: Debt collection

Medical claims against my children. It is the responsibility of my ex-spouse. I never received any notice of the bill or collection attempt. All correspondence was with my ex-wife, in her name only. I never received any communication in my name. Negative entries reported to Credit Bureau and my credit score has been negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus TransUnion, XXXX, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX   several times within the last 5 months. The only company that has almost complied is Transunion, every other company has not done there job to report information accurately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX 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

Equifax provides misleading information I forwarded 6 disputes and one of the disputes they didnt leave explanation. Also my account shows no account in collection but the rep was very adamant that I have 3 accounts in collections. Equifax often lies to their customers I was on the phone 50 minutes and nothing was resolved and the rep consistently lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint is in regards to the Synchrony Bank/Wal Mart account in which the business is currently reporting the DATE OF FIRST DELINQUENCY as XXXX per XXXX. The reports provided as attachments clearly show something different. Please, see the attached reports. Per the 81-month history for this account on all the credit bureaus, the first 30 day delinquency occurred in between XXXX - XXXX. Those areas have been highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED FTC RPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 

JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the credit bureaus several times about the inaccurate information that are reporting. Ive asked them to stop reporting the inaccurate information and they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my Equifax report as well as XXXX as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.
Product: Student loan

Went into XXXX XXXX bankruptcy in XXXXXXXX XXXX XXXX, before Bankruptcy was on a rate reduction plan. During Bankruptcy could not get any information from Navent about what to do with loans, was not given a statement or bill for 5 years. During the bankruptcy around {$70000.00} was added to my loans. Interest was put at 12.5 % even though we we enjoying the lowest interest rates in my lifetime. I was miss led by Sallie Mae into thinking that I would be about to consolidate and refinance loans once my son finish college. I tried three years during the end of his time in college, and after was able able to get refinanced into my name only. Was contacted over and over by private student loan lenders, saying how much I could borrow and the start payments after my sons graduation. They loaned me money even thought I was already struggling to pay the bills. they now want me to make payments of {$1900.00} dollars a month. Theres no way I can make payments. I have called 4 times now trying to get them to help in some way. Have been told each time that there is not a payment plan that will help and call back later. The last time was told to wait a month before calling back. I am not a free loader I taught XXXX XXXX for XXXX years and now at XXXX my only option to pay this loans is to die and have my wife use my life insurance.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax, XXXX  and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, Equifax and XXXX inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX  loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!
Product: Debt collection

ATTENTION TO AMERICAN EXPRESS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4000.00} does not belong to me. This account was fraudulently opened through this company AMERICAN EXPRESS in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

This company called me numerous times on my cell phone at  XXXX  without permission, acted negligently by not checking the donotcall list. They also violated a cease and desist and called with the intent to annoy. We received a response from counsel blaming  the 3rd party c ollector which is no excuse.The company stated they are a debt purchasing company and this is no excuse as well. Most companies have to scrub the account and do their skiptracing properly. They did not. They called with intent to annoy. Plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX
Product: Credit card

I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me