23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in foreclosure at the beginning of this process I hired an attorney with the intention of keeping my home. We were offered a favorable loan modification that would allow us to keep our home. The only issue is we were not informed of the offer until it was way too late to accept it. Once I learned this I immediately began trying to contact our loan servicing company : Ocwen Loan Servicing, LLC XXXX. XXXX XXXX XXXX, TX XXXX-XXXX XXXX XXXX ) XXXX I submitted all the loan modification paperwork including all documentation that was requested. I then called every few days to see the progress of the application. I was informed about a week later that the application was denied. Even though I tried explaining that we were offered a loan modification but that my prior attorney had not informed us until after the offer had expired. I was told to appeal which I did and the appeal was denied as well. We are now dangerously close to losing our home as the foreclosure proceeding are nearing the end. I then emailed the only executive email I could find. For the prior CEO of Ocwen hoping that someone at the executive offices would assist me XXXX XXXX XXXX I received an email back the next business day informing me that my point of contact would now be Specialized HRD Escalation Agent, XXXX XXXX ( XXXX ) XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I have tried calling several times all with no response. PLEASE HELP MY FAMILY KEEP OUR HOME
Product: Mortgage

I requested a loss mitigation review for a modification to help bring my account current. The correspondence between the loss mitigation team at Freedom Mortgage and myself has been slacking. 
First, I have not received the acknowledgment letter that was supposed to be dated within 5 days of receipt of my documents advising me of the missing items. Yes I received a call, but they stated a letter was sent out. I advised them that I was at work, unable to write things down as I operate construction vehicles ( dozers, etc. ). They said no worries basically because this letter was supposed to be sent out. NEVER RECEIVED IT. I know according to the CFPB and OCC regulations, they are in violation of notifying me of my missing information. 
Number 2, Just 2 days ago, I finally received the SPOC letter advising me who my contact was. This should have been sent to me as soon as my documents were first reviewed. Not 3 weeks later. I am aware of the regulations and compliance rules/laws. 
3rd issue, I was advised my 4506T form was incomplete, when I review the sample provided verses the one I submitted, EVERYTHING is filled out correctly. This is alarming to me, as I now feel that Freedom Mortgage staff might not be able to review the documents in the proper manner. How do I know they will calculate my income, expenses, and review all the rest of my documents correctly?
Product: Checking or savings account

I have unenrolled from multiple overdraft programs multiple times that I never signed up for. Every time I call the bank and am overdrafted I find out that Im signed up for a new one. They dont process any transactions in order and they do this to purposely overdraft customers. Every charge is pending for a different amount of time and they have been purposefully choosing which transactions to process first and it always ends up with me overdrafted even though I should not be able to overdraw my account whatsoever as I have opted out of every overdraft service multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called to inquire about the  XXXX    XXXX   debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

XXXX XXXX Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a car loan with americredit/gmfinancial i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date AMERICREDIT/GM FINANCIAL Account Name AMERICREDIT/GM FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$20000.00} Highest Balance {$0.00} Terms 60 Months
Product: Checking or savings account

This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.
Product: Debt collection

I have sent this company a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of XXXX  per the XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested a credit balance of {$770000.00} be sent to me. At his recomendation, the customer service rep stated that he could transfer the funds to my XXXX account on file. This account was used to send monthly payments to BBVA. I never received the funds at XXXX and had to contact them again. I was advised that the rep never should have attempted to send the funds to XXXX because it was an " external ' account. BBVA could only send credit balances to an internal account which I did not have. OK, the only other option was to mail the check to me via regular mail. I was told it was mailed on XX/XX/XXXX and still have not received it. I called at least 3-5 times and was always told the issue was " escalated '' ; no supervisor spoke to or called me as promised last evening. BBVA can not or refused provide me with any tracking mechanism to determine where this check is. I am constanly being told to wait. No cut off date is given to me whereby they could stop payment if check is lost, issue a new one, and use some sort of courier service ( XXXX, etc. ) to ensure I receive it. 
I WOULD APPRECIATE RECEIVING MY MONEY! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EQUIFAX credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EQUIFAX directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EQUIFAX credit report. Additionally, I seek written confirmation from EQUIFAX once these accounts have been corrected. I also ask the CFPB to investigate EQUIFAX handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a police report for fraud on XXXX XXXX XXXX this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.
Product: Credit reporting or other personal consumer reports

Disputed collections, including a specific collection for XXXX XXXX XXXX, a specific collection for XXXX XXXX XXXX  XXXX  onto two accounts, and Collections with XXXXXXXX XXXX two accounts I provided proper documentation, including proof that they were inaccuracies on my credit report however, a proper re-investigation was not completed. I was also not provided proof by mail of this investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXXXXXX XXXX  XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX Current Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  Account # 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website says that my information may have been part of their breach. They are still charging me to freeze and unfreeze my credit reporting. This is outrageous! They should freeze my credit and not require I pay them to do it, they were at fault.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX XXXXXXXX letter XX/XX/2023 and then on 2nd letter XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX XXXXXXXX letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX XXXX letter XX/XX/2023 and filed a dispute through XXXX. 
Other accounts were removed do to the identity theft but these additional have not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from XXXX. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY EXPERIAN AND XXXX Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. Please Help!
Product: Credit reporting

i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out account was opened in my name by my credit monitoring service in XXXX. I had to XXXX the company to even know what it was, as I had never heard of XXXX XXXX. I have never rented any furniture EVER! I immediately disputed the claim ( XX/XX/2022 ) with my credit monitoring service. The company denied it, so now I have filed police report, claim on identitytheft.gov, as well as submitted another dispute claim through my credit monitoring service and sent them a demand letter. The original amount was XXXX & opened on XX/XX/XXXX. But is now {$6500.00}, to which I can prove I have made no payments on this. Based on research this is a known problem with XXXX XXXX XXXX XXXX XXXX - people should report and freeze accounts immediately. And work diligent to resolve before it affects your credit or they take out additional loans in your name. I will continue to pursue this through small claims court if need be. This is a scam and they have to be stopped.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XXXX and equifax reporting wrong information on my credit report.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of late payments on my credit report on Account : XXXXXXXX XXXX XXXX XXXXXXXX verified as approved for severe medical issues. Also credit card accounts opened : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.