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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the account with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the bank and they agreed to not report the account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!
Product: Mortgage

XXXX XXXX held mortgage until we were eligible for a modification ( two month window ), they transferred loan to Rushmore Loan Management Services after modification application and told two months until eligible. Rushmore also inspected and burglarized property upon loan transfer. I started process of filing complaint but the stress for me unbearable dealing with them as I am disabled. 
They have continued to create a financial hardship as they refuse to accept pay-off. 

Rushmore was paid in full by XX/XX/XXXX after disregarding application for loan modification. ( property had appraised for {$46000.00} and not XXXX as owed ) So we paid full amount owed. 

They dragged out each payment and I kept paying trivial amounts to pay off and they still would NOT release lien. 
Rushmore continues to bill us with XXXX in escrow in their hands and our loan paid off, including charging late fees and higher mortgage payments. 
It is XX/XX/XXXX and they continue to place fraudulent charges on this paid-off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to get a copy of my credit report online and I was notified that there was a credit freeze and fraud alert on my report. On XX/XX/2020, I contacted Transunion and attempted to take the credit freeze and fraud alert off my report. The customer service agent advised me that I had to answer questions concerning my credit report in order to verify my identity. The agent asked me questions that I would need to verify on the credit report, which I did not have access to to gain access to my account. I was informed that I had to send in a copy of my bank statement and driver 's license in order to be verified. On XX/XX/2020, I called Transunion back and they informed me that I still had to identify specific things on my credit report in order to gain access. I advised the agent that I did not have access to my credit report so this was not possible. The agent informed me that I had to call exactly when I thought they had received my driver 's license and bank statement to answer more questions. Suffice to say I don't see how this is possible. I'm concerned that Transunion is attempting to force me to pay for their services before being able to get access to my own credit report. I am still unable to get a copy of my free annual credit report and Transunion will not give me access to my credit report even after sending them personal identification information in order to gain access. I have already attempted to access credit on two different occasions and was unsuccessful because Transunion has placed a credit freeze and alert on my credit report.
Product: Debt collection

I sent them this letter, this is whats going on now I never received anything from court for XXXX XXXX. By the time I received anything it was from this third-party company that XXXX XXXX hired they were already awarded from the courts Because I was not able to show up and defend myself because I didnt know about the hearing. Once I receive this letter in the mail, I filed an appeal immediately the third-party company is called PCA Acquisitions V , LLC XXXX I did not give permission for any of my personal information to be disclosed to this third-party company, and I wish to be compensated from this company as well as XXXX XXXX for violating my rights which I have disclosed in this letter below while I wait on the appeal to go through. 

To whom it may concern XXXX XXXX. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, & XXXXXXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Formal request for the return of funds due to a transfer error Dear Sir/Madam, I am writing to you as the account holder of XXXX XXXX  Account Number XXXX, Routing Number XXXX, from which I initiated a wire transfer to an account at your bank, JPMorgan Chase Bank , on XX/XX/year>. The transferred amount was {$16000.00} USD, and the beneficiary details initially provided were as follows : Beneficiary Name : XXXX XXXX Erroneous Account Number : XXXX Routing Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
It has been identified that the account number provided contained an error. The funds were mistakenly transferred to account XXXX, which does not belong to the intended beneficiary. The correct account number for the beneficiary is XXXX, with the same routing number XXXX. Due to this discrepancy in XXXX digits of the account number, the funds did not reach the intended recipient. 

I formally request your immediate action to : Verify the destination error in the transaction. 
Recover the funds transferred to the incorrect account. 
Transfer the funds to the correct beneficiary account. 
As per the applicable legal provisions : Electronic Fund Transfer Act ( Regulation E, 15 USC 1693f ) : Mandates financial institutions to investigate and resolve electronic transfer errors promptly and diligently.

Uniform Commercial Code ( UCC ) Article 4A-207 : Specifies that in cases of discrepancies between the beneficiary 's name and account number, the receiving bank must make reasonable efforts to identify and resolve the issue.

Bank Secrecy Act ( BSA, 31 USC 5318 ) : Requires the implementation of procedures to prevent errors and ensure the traceability of funds within the financial system.

Enclosed with this letter, you will find the following supporting documentation : A copy of the wire transfer receipt showing the erroneous account number.

The correct beneficiary account information ( as shown in the provided image ).

My official identification for verification purposes.

Any additional relevant documentation.

I request a written response detailing the actions taken and the estimated timeline for resolving this issue within no more than 10 business days. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities to protect my rights as a financial consumer.

I trust this matter will be handled with due diligence and professionalism. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have had many issues with Mohela. The most recent is the fact that I was approved for and enrolled in auto-debit for my loans on XX/XX/23, with my first payment being due XX/XX/23. That payment was never withdrawn from my account, and I received an email from XXXX XXXX XXXX on XX/XX/23 stating that I missed a payment. Mohela 's website states that I am up-to-date and not in delinquency. However, when I call Mohela and provide my account number to the automated system, it states my loan status is delinquent. I did everything that I was supposed to and now Mohela is causing direct harm to my credit status due to its ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of bridgecrest that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.
Product: Debt collection

I received a letter from an attorney stating that they found in public records that I am named as a defendant in a lawsuit by Portfolio recovery associate and they filed this on XX/XX/2024 for an unpaid debt. They went on to say that they can garnish my wages from my bank account, file a lien against my home or any other real estate I may own. I have not been supplied by Portfolio recovery who they have bought the debt from or an itemized account on what is owed, etc. I have looked on my credit report and even on my credit report it does not tell me about the original debt. I was contacting customer service from XXXX because of a bill I had to pay on XXXX and when I called the customer service number portfolio recovery answers the phone. When I asked them how I got transferred to them when I did not call them, the woman quickly put me on hold. I also would like to say, that I suspect portfolio recovery has hacked my phone or certain accounts on my phone. The XXXX step verification on my paypal has a XXXX number to send the code to and I have never had a XXXX number and my correct number is not on my account. Portfolio recovery also calls me at least XXXX times a day, if not more every single day every week. I am obtaining an attorney today to sue Portfolio recovery for their tactics and the fraud and harassment that they are commiting.
Product: Debt collection

On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. 

As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. 

Your assistance in this matter is greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent credit inquiry that appears on my TransUnion credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting that you block this inquiry from my credit file as it was not authorized by me and is a result of identity theft. 

Details of the Fraudulent Inquiry : Date of Inquiry : XX/XX/year>2024 Name of Creditor : XXXX  XXXX In compliance with the FCRA, I am providing the following documents to support my claim : XXXX. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my credit report in which I noticed that there is information and accounts that are unlawfully and inaccurately reporting. There are inaccurate addresses reporting in which I don't live at those addresses. The address that's on my ID is my address and only address that should be reporting to my credit report. There are collections accounts reporting but how can there be an alleged debt if there isn't any contracts, receipts or agreements between me and the creditors listed in my dispute? I reached out to the creditors reporting these accounts and asked them to mail me any documents that verifies the debt that they're reporting. I never gave them the consent to share nor obtain my personal information which is a violation against my right of privacy. The unlawfully and inaccurate reporting information and accounts are negatively im acting my credit score limiting my ability to obtain any potential relationships with lenders, or institutions. Violations committed by Equifax and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked to fixed the late payments they messed up They keep switching the dates of late payments
Product: Mortgage

My Home Loan was sold to AmeriHome Mortgage Company from XXXX. Payments were to being XXXX XXXX to AmeriHome. In the meantime, I was making payments to XXXX and partial payment was already sent out to XXXX since I did not get the notification until XXXX. I then called Amerihome to introduce myself and find out if they want me to cancel that partial payment to XXXX or continue to let it go through - in which XXXX would then forward it to Amerihome. On the phone, the rep from Amerihome told me that they do not accept partial payments unless I fill out a form, but that they would accept it as a XXXX time courtesy. 
XXXX forwarded this payment to Amerihome XXXX in which Amerihome still has not posted to my account with my other partial payment to form a complete payment. Amerihome has sent me a check made payable to XXXX XXXX ( XXXX XXXX ) which I could not cash. They asked me to send them the check back so that they can investigate in which I did immediately. I called them and they have no idea what is going on. I spoke to a gentleman named XXXX four week ago who assured me that they have all money and things will be fixed in my account. Nothing was ever posted. I receive delinquency letters and threatening voicemails from Amerihome constantly. I have missed work, I am out money and have so far documented 18 hours on the phone with them - including a Supervisor named XXXX for two hours two weeks ago ( beginning of XXXX 2015 ) who assured me that she would handle it and yet nothing is fixed. I should be up-to-date until XXXX XXXX, but it is showing delinquent and I will be assessed fees for them to have to come out and inspect the home! This is TOTALLY unprofessional and completely stressful. My husband is going for XXXX XXXX jobs, we both have XXXX credit scores and this can be detrimental to our future. Currently, I am out hundreds of dollars of lost wages not including the XXXX damages of them possibly putting us in foreclosure and worrying about my children! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY IS REPORTING INFORMATION TO MY REPORT THAT EXTENDS FROM MY INFORMATION BEING LEAKED IN A DATA REPORT. PLEASE DELETE FROM REPORT
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  Account Navient # 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 : It also states a consumer reporting agency can not furnish account without my written consent.
Product: Credit reporting or other personal consumer reports

According to 15 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 has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent.
Product: Checking or savings account

We have three checks from three different company accounts that were sent via Chase 's bill pay service to our accountant to pay for accounting fees. The checks were stolen from the XXXX mail and deposited into a third party 's bank account. We have subsequently paid the vendor/accountant with additional funds. 

The bank accounts where the checks were deposited/cashed did not match the payee on any of the check and the endorsements did not match either. 

Chase took money from our accounts when they mailed the checks. Chase sent the checks via XXXX mail, and Chase let the checks clear from each of the third party banks without verifying that the payee and endorsement matched. The there payments were made in XXXX of 2022. We discovered the fraud and reported it to Chase in XXXX of 2022. Chase has been 'investigating ' since that time. They have put, taken away and put back temporary credits for the amounts, but they are telling us that if the third party bank that cash/accepted the deposit of the checks doesn't respond they will take the funds back out of each of our accounts. We feel Chase should permanently restore funds to our accounts and whether or not they settle up with the third party bank is not relevant to us. Chase errored by accepting the mis-endorsed checks and is holding their customer to account for its mistakes.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to log into my Coinbase.com account. Because I had not used it in a long time, I no longer had the two-factor authentication app to complete the login. I utilized their identity verification service on both XX/XX/XXXX and XX/XX/XXXX to attempt to regain access to my account. In both cases, I was notified that verification had completed successfully, but the two-factor authentication prompt was not removed as it was supposed to be.

On XX/XX/XXXX, I contacted Coinbase support via e-mail to resolve this issue. They told me to go through the ID verification process a third time. I did so as soon as the service was working properly ( XX/XX/XXXX ) and never received a response. After waiting a week, I tried again on XX/XX/XXXX. I have still not received a response to either of these verification requests.

I have been prevented from accessing my virtual currency for 15 days at this point, and my only way to contact the company to help is via e-mail. They can take days to respond and the responses appear to be pre-written messages that do not help my situation.
Product: Debt collection

I received a warrant in debt on XX/XX/2024 to appear in court on XX/XX/2024 which is only XXXX  days away. On XX/XX/2024 I contacted Scott & Associates , P.C . and requested information validating the debt which included the original agreement I had with the original creditor, XXXX XXXX, which Scott & Associates , P.C . said they would send through email, in which they ( Scott & Associates, P.C ) agreed in which they then asked for my consent to send the information through email which I gave them permission to. On XX/XX/2024, I contacted Scott & Associates, P.C to follow up on why I didnt receive the information I requested through email and they told me that they dont have permission to send the information through email because it would be too large to send through email. I told them that I wouldnt get the information ahead of my court date and they said that it would be sent through regular mail and not email.
Product: Credit reporting or other personal consumer reports

This complaint to COMENITYBANK/WAYFAIR for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.