23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. 
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. 
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. 
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. 
All documents supporting my position are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed inaccuracies on my credit reports and also noticed these accounts were also unauthorized due to my info being shared in the Equifax, XXXX, and XXXX Data Breach. These same bureaus verified these accounts without making sure they were accurate. I asked for steps of verification and they failed to send me any updates. These inaccurate accounts are greatly ruining my reputation and I need them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion for all inaccurate information on my file that needs to be removed. this has been an reoccurring issue that needs to get fixed asap. please review an delete the requested information to help clear my credit report asap.
Product: Credit reporting or other personal consumer reports

Helvey and Associates , Inc sent me a letter on behalf of XXXX XXXX and threatening to report me to the national Credit Bureaus. According to their letter I have a total due of {$150.00} to pay XXXX XXXX. I dont understand what was it about. I have attached my receipt of payment to XXXX XXXX ( XXXX XXXX ) that on XX/XX/year>, I paid {$230.00}, and on XX/XX/year>, I paid {$340.00}. Now, I dont know what was the {$150.00} for. Also, this power company are not making any sense in their charges to me. I have reported them to my states complaint board, but nothing happened, I was the one that was blamed by the investigator.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The current status should not be showing late because I paid it on time. Experian Credit Reporting Agency lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXXXXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXXXXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. 
I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent collections, names, addresses, employers, and Installment accounts.

FROUDULENT ACCUNTS! 
XXXX XXXX Balance : {$3900.00} Balance updated : XX/XX/XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving Installment accounts! 
XXXX XXXX XXXX XXXX : {$0.00} Balance updated : XX/XX/XXXX Original balance : {$19000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment FRAUDULENT COLLECTIONS! 
ABSOLUTE RESOLUTIONS Balance : {$30000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$24000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} Balance updated : XX/XX/XXXX Original balance : {$540.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XX/XX/XXXX XXXX XXXX A Balance : {$2300.00} Balance updated : XX/XX/XXXX Original balance : {$2300.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XX/XX/XXXX FROUDULENT NAMES! 
XXXX XXXX XXXX ADDRESSES! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UNIT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX XXXX, CA XXXX FROUDULENT EMPLOYERS! 
XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.
Product: Bank account or service

They are unwilling to assist in a dispute on my Care Credit credit card. The dental provider overcharged me, synchrony said they researched it and are siding with the provider. When i asked why it 's because they have to take into consideration the provider 's claim. But not mine? just because they 're a business? this does not mean they are incapable of scams, which I explained to synchrony. I also, several times, explained that my insurance paid they 're part after i paid what was an estimation during my initial consultation. The estimation turned out to be inflated, and was actually more than my contracted rate so i am due a refund. Synchrony told m several times to either take this up with my insurance or small claims. Why is my insurance going to pay me the difference? the credit card needs to take this off of my account and deduct it from payments to the provider! I also pointed out that the written statement from the provider actually proves my point that I am owed a refund, as it says the amount due by me is less then what I was charged. My billing ledger from the provider was doctored to show a zero balance by contradicting what they said in their statement to synchrony. When i ask about this i am told they go based on the ledger not the statement. So the fact that it does n't add up did n't raise red flags to at the very least keep the investigation going until it can be clarified? Nope they just find it easier to make me feel like I 'm the scammer. No help, no empathy, no apologies, just constant interruptions and frustrated responses were all I got from Synchrony. They also say I signed a contract, which it was not..its a treatment plan ( estimate ) that clearly says the charges may change due to unforeseen circumstances and this is the charge AS OF NOW! Come to find out, many other consumers have dealt with similar and many other various issues from Synchrony and Care Credit.
Product: Debt collection

Commonwealth collection agency is attempting to collect a debt that has already been paid by my insurance company. This particular debt keeps on Being sold to collection agencies. Who in return report a paid account to my consumer report. I am currently taking legal actions against XXXX XXXX the original creditor regarding this matter. And will add Commonwealth to litigation if need be. If Commonwealth have any questions to please contact my attorney at XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Product: Debt collection

To whom it may concern I entered a consumer credit transaction using my credit card as defined in 15 usc 1601 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved. I asked validation on XX/XX/2021 through the mailing system with a green receipt and still till this date on XX/XX/2021 the debt has yet to be validated. An Affidavit that was notarized and cease and desist letter was also sent out on XX/XX/2021, and Nissan Motor Acceptance Corporation is still sending me bills concerning a debt that has NOT been validated. A CFPB complaint was submitted that they have not answered also. Nissan Motor Acceptance Corporation has threated to take possession of my car which was the result of a consumer credit transaction. Pursuant to 15 usc 1692g any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. The Debt was not Validated through any form of paper work. They are violating my federal rights trying to collect on an alleged debt that has NOT been validated and have infringed upon my right to privacy by reporting false and misleading information on my consumer report therefore ruining my consumer reputation, character, credit worthiness and credit standing. I want to exercise my Right to Rescind.
Product: Mortgage

On XX/XX/2021, spoke to my Mortgage company about a forbearance due to XXXX XXXX XXXX XXXX XXXX XXXX  for 3 weeks and needed a payment for this month deferred because we are low on funds. The Agent took like a credit application and said we do not qualify because we don't have enough money coming in!! Isn't that what a forbearance is? To help people get back on their feet? This made no sense to me when that's why we asked for a payment to be deferred. If we had the extra we could pay it!! Now they denied us we had to take money we don't have and pay it then try to live!! I have never heard of a Company doing this practice! Take a credit application for deferring a payment. Then deny us when that's what a defer means, to help people get back on their feet!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.
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  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE XXXX  STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Product: Credit card

I saw an unrecognized purchase in my credit account from XXXX i reached out to chime customer service answered their question and they said they will investigate and XXXX hours later they sent an XXXX mail to say it was no billing error i asked for proof of purchase and details of the purchase the company sent as it is not an authorized charge on my account by me and they will not respond and said they can not they did no investigation and no proof they did or from the illegal purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with Equifax, XXXX, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.