23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview Loan Servicing has failed to notify me who my new Asset Manager is. Bayview Loan Servicing has changed our Asset Manager four times. Upon speaking with the third Asset Manager, XXXX XXXX, stated her email address for us to contact her is XXXXXXXXXXXX. 
Please see Exhibit F attached, of the Lost Payments, Discrimination, Retaliation and harassment email due to fake mortgage note, dated XXXX XXXX, 2016, that could not be delivered to the Asset Manager Bayview Loan Servicing states is assigned to our Loan
Product: Checking or savings account

Opened a Chase Private Banking account XX/XX/2018 and was promised a {$750.00} bonus for my deposit after 90 days. Have call the branch reps and customer service on approximately 12 occasions and each time have been told I met the qualifications and the bonus would be deposited. It has now been 6 months and no bonus has been paid.
Product: Debt collection

Sent multiple dispute letters requesting verification of the debt. Letter sent on XX/XX/2018 and XX/XX/2018 only to receive notification that the letters were received. Verification of the debt has yet to be provided and this outstanding debt is continuously causing negative impacts to credit reports.
Product: Debt collection

I have received two notifications from a credit monitoring service that I have a new account with SCA Collections and there have been two derogatory marks placed onto my credit score despite no information being received in any way from them.
Product: Credit reporting or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Direct deposit was not received as expected. Company provided NO information either publicly or via customer service interaction. The only information I could find regarding the outage was on internet message forums such as XXXX.
Product: Debt collection

TransUnion has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

I filed a complaint over 30 days ago about the false reporting of my bankruptcy to my credit report bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX.it was never reported to them and they have failed to provide proof to the cfpb and are violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These 7 accounts and 3 inquiries were added without my knowledge or consent. 

ACCOUNTS XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen. 
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC . 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at ( XXXX ) XXXX. 

respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Experian account it looks as if I have 3 inquires that DO NOT belong to me on my account. I called Experian on XX/XX/XXXX and was verbally abused by Experian representative XXXX with XXXX XXXX. Complaint made with supervisor. I mailed Multiple Inquiry removal letters via certified mail in XXXX and also provided evidence that my data was impacted by the breaches through XXXX, XXXX and Hurricane Irma. I have been trying to build my credit, not apply for things over and over again. The letters go without proper investigation required by law as " we are unable to investigate inquiries and they will remain for two years from the date of inquiry. '' They would sign for the letter on a certain day and the response would be mailed to me in less than XXXX hours. I have asked for evidence that these inquiries belong to me. I am refused that request by stating " If you believe this was unauthorized, please contact the creditor. '' I would like for the below inquires to be deleted. XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX. According to the FCRA Rules, FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ), it states that any information can be disputed and MUST be investigated and if you do not investigate or respond accordingly, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letters, one can assume that there was no investigation into the matter. I plan to purchase a home next year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that do not belong to me, I did not sign for any credit pulls. This is unfair practices by a credit reporting agency with no regard for the emotional distress or consequences this causes the individual.
Product: Debt collection

I've made several disputes and reports against this TransUnion not handling two accounts they have placed in my credit report and asked for it to be taken off immediately. I have also called and spoken with agents several times. This issue is not being handled and just being ignored. They are reporting an account of XXXX XXXX XXXX acct # XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX in the amount of {$3700.00}. They are stating it's past due and in collections. I do not have an account with this company never have had an account with them and never signed an agreement or contract with this company of any debt. I have asked repeatedly since XXXX of XXXX for this company to give a bill of sale, debt validation and 1099-c as well as debt validation there has been no evidence provided. This company continues to take the collection off my report as closed then put it right back on my account as an open account. They have it as an open account, then they change it to a charged off account, then back to open they used different addresses and names of the company. Where it states Original Creditor name they are changing the name up on TransUnion for the moment it is stating XXXX XXXX XXXX. They also have allowed another inaccurate account i have complained about and disputed several times that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX stating I owe a debt in the amount of {$1200.00}. This is another account that TransUnion allows them to open and close this account on my credit report and I have seen this on my reports in the same day. TransUnion has allowed this fraudulent activity to happen and affect my credit tremendously in such a negative impact damaging my credit preventing me from trying to purchase a home. 
Everything on this account is inaccurate I need this looked into please and remove immediately for once and for all
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

COLLECTIONS NCC BUSINESS SERVICES Last reported : XXXX XXXX, XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + {$310.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

between XX/XX/XXXX and XX/XX/XXXX I paid XXXX a total of {$3200.00} for the services of " XXXX XXXX XXXX '' a moving company that solicits business on XXXX They submitted fraudulent billing ie : billed too many hours and billed for workers who were not working and then they stole {$15000.00} worth of my household goods. I tried to resolve the issue with XXXX XXXX XXXX and I tried to resolve the issue with XXXX but XXXX refuses to take responsibility even though they allowed a criminal enterprise to solicit on their website, gave them fake reviews and did not screen them properly. XXXX claims they have no responsibility for for issues with movers who solicit on their website but they do not make this statement available for you to view before paying for their services. A sort of bait and switch routine as I see it. I tried to dispute the charges on my Capitalone Visa card but eventually they held me responsible for paying all charges. I believe they are in the wrong by doing so.
Product: Debt collection

Repeatedly notified through email of a medical debt of XXXX owed to XXXX XXXX XXXX account # XXXX. A collection agency called LJ ROSS Associates on contacted me on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. I emailed them back stating that hardship was a factor and that I can not make the payment and just days later on XX/XX/year> they emailed me again under a state collection service but this time, the FULL payment is now owed which is XXXX. 
I'm under the impression that this is Fraud and Harassment. Thank you for your time.
Product: Mortgage

I closed without a TIL and have been trying to CANCEL. The numbers are also different and I haven't received any deed or documents of conveyance that I paid for to be recorded to XXXX XXXX through settlement agency. Apparently they have committed FRAUD. I notified them of my desire to cancel and recorded all call and have been getting the run around from customer service and finance. I'm XXXX and according to Supreme Court ruling TIL ACT have 3yrs to CANCEL but am to receive full refund within 20days after notice. PLEASE ASSIST
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

Sheffield Financial a subsidiary of Suntrust Bank is reporting an inaccurate account on my XXXX credit report. They are reporting and verifying an account as a charge-off that was included in a bankruptcy proceeding. This is against federal rules and regulations. It is inaccurate and must be removed per the FCRA. 

I spoke to the bankruptcy department a week ago about this issue and they did not return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) This account was never late. Last payment date is also incorrect as it shows XXXX different dates. XXXX shows XX/XX/2022. Equifax shows XX/XX/2022. XXXX shows XX/XX/2022. How is this possible. 
XXXX XXXX Account XXXX : XXXX Please update to paid us agreed if unable to provide proof of this payment being late. 

I previously requested to have the account investigated and it seems nothing has been done. Date last activity shows 2 different date XXXX shows XX/XX/2022. Equifax no dates and XXXX shows XX/XX/2022. As per FCRA law account must be deleted if XXXX XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( XXXX ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) Account still showing as Charge off with past due balance. This is incorrect. 
XXXX XXXX XXXX IN Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) If this was investigated how come you are still reporting this a Charge off with past due balance. This is total incorrect. A collection by default is already a closed account. 
XXXX  Account Number : XXXX Please delete in accordance with FCRA ( a ) ( 5 ) ( A ) The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX previously requested to have the account investigated and it seems nothing has been done. As per FCRA law account must be deleted if unverified XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I visited the XXXX XXXX at XXXX XXXX around XX/XX/2017 and paid cash for services. I have contacted the doctors office and they have confirmed that I do not owe them.
Product: Checking or savings account

To Wells Fargo Mediation Program, I am writing to express my grave dissatisfaction with the outcome of our recent mediation call on XX/XX/XXXX, facilitated by XXXX, regarding the criminal actions taken by Wells Fargo against me. 

During the mediation call between me, a Wells Fargo representative, and a third-party mediator, a non-binding resolution was to be reached for the unlawful enrollment committed against me into the Affinion Identity Theft Protection product. This crime was committed on XX/XX/XXXX, and only recently, in XX/XX/XXXX, was I made aware that I was enrolled in such a product. 

What is it going to take for Wells Fargo to STOP committing banking crimes against consumers? A federally regulated institution enrolled me into a product without my consent ; this is fraud to the highest degree! If it were I who enrolled the CEO of this institution into anything without their approval I would be thrown in prison and required to pay compensatory and punitive damages. 

The burden of proof doesnt rest upon me, proofing that Wells has engaged in a criminal conspiracy as the Consumer Financial Protection Bureau already determined they have per their XX/XX/XXXX findings. 

The compensation I have received thus far, totaling {$3300.00}, is absolutely inadequate and arbitrary. 

I am requesting additional compensation as I am rightly owed. 

A prompt response to this matter is due.
Product: Mortgage

I was approved for a loan modification back in XX/XX/2021. I have over {$10000.00} in a " suspense '' account and that was supposed to pay the mortgage for the next 6 months, starting XXXX. My account still has not been update in the system. They were supposed to have it updated within 30 days of receiving my completed paperwork. It has now been 4 months. I need to be able to see my updated information online.
Product: Debt collection

Calling 3 times a day from XXXX during work hours. This could jeopardize my employment and needs to stop immediately. They called at XXXX XXXX  ; XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX and do not leave a message. This harassment is unacceptable. I have no account with this company as upon looking up their name they are Receivables Performance Management.