23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.
Product: Student loan

Navient has 4 students loans on my report I have never even got a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.
Product: Money transfer, virtual currency, or money service

I am filling a Complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices l, Which violate the customer financial protection act ( CFPA ) Specifically, Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with your Equifax and I note that there is negative information being reported by XXXX XXXX XXXX XXXX XXXX, XXXX, Upon reviewing my credit report, I see an account listed as charged off and missed payments. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation on the following account. 

XXXX XXXX XXXX Since you have not responded within the allotted time frame of 30 days, please remove this account from my credit report and remit a payment of {$500.00}. 

This will be a settlement so I won't have to take you to court for this FCRA violation. 

Attached is the original letter and when it was sent.
Product: Checking or savings account

There was charges done on my account through XXXX when my card was stolen and I told them who it was and blocked all XXXX rides from here on out. When these transactions accused I was in class at XXXX and didn't even have a phone note did I ever leave because we're not allowed to and they accused dearing when I was in class. I gave them his name and my directors name because he had to move him out of my room because he was stealing. He has also been stealing from XXXX and saleing things on marketplace. He's name is XXXX XXXX and I also have my online banking info of needed. It was over {$100.00} dollars and I'm XXXX. Chime does not want to help me at all. Please please please help me???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.
Product: Credit card or prepaid card

I have had two credit cards with Capitol One with large credit limits for more than 14 years and have never missed a payment. I added Authorized users to my account, they requested I provide them with copies of the persons drivers license and Social Security cards via a secure link they provided. The other day I had finally got the last copy of the Social Security card and uploaded to the link they provided. A day or so later, I tried to purchase electronics for my business and it was denied. I called Capitol One and was told they had closed out both my credit cards and my reward points were forfeited. I called them again today and was told there is nothing they can do to reinstate the cards or refund my reward points. The reason they are giving me for closing the accounts is that they can't verify the documents I provided. I provided copies of front and back of the drivers licenses and Social Security cards as they requested. Is there anything I can do to get these cards reinstated, refund of my rewards points, and have them correct my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Product: Debt collection

Capital One bank is claiming that I owe {$610.00} and I would like a 1099C
Product: Credit card or prepaid card

On XX/XX/2022, the XXXX XXXX XXXX XXXX charged me {$110.00} for XXXX  service. However, the Clinic accepted my insurance and agreed to issue a refund for the credit card charge. After two month of waiting, I didn't receive the said refund and thus I disputed with my credit card company Capital One, who issued a temp credit. The merchant has the responsibility to provide an answer if they disagree, but I have never received such response from Capital One. On XX/XX/XXXX, I was notified by Capital One that they are going to re-bill the charge due to lack of sufficient documents from me. I submitted whatever I could to help with the case, but it seems like Capital One is not disputing for me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX, equifax, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments
Product: Credit card

Dear Citibank Customer Service, I am writing to formally request the prompt refund of an overpayment I made on my Citibank credit card account ( account number ending in XXXX  ) in the amount of {$150.00}. I initially contacted Citibank on [ Date of Initial Request ] and requested that this amount be returned to me via check. However, to date, this request remains unfulfilled, and my account balance does not reflect any pending or processed refund for the overpayment. 
As a resident affected by Hurricane Helene, a federally declared natural disaster, I am entitled to certain protections under the Disaster Relief Act and related Consumer Financial Protection Bureau ( CFPB ) guidelines. The CFPB mandates that financial institutions expedite service requests related to account adjustments and payments, particularly for victims of federally declared natural disasters.

Under the Truth in Lending Act ( TILA ) and Regulation Z ( 1026.11 ), consumers who overpay their credit card accounts have the right to request a refund of any credit balance. TILA specifically mandates that credit balances be refunded within a reasonable timeframe once a request is made. Given
my circumstances as a victim of Hurricane Helene, a federally declared natural disaster, it is reasonable to expect that this refund request be expedited. 

Given the hardship caused by the hurricane and my current need for expedited processing, I respectfully urge Citibank to issue the refund of {$150.00} immediately via check. This amount is essential for my recovery and access to funds, and I request this be prioritized accordingly.
Product: Debt collection

I requested a 1099 C from this company since they have written and charged off the Account.

Account charged off. {$9900.00} written off. {$9800.00} past due as of XX/XX/scrub>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am XXXX! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX XXXX XXXX XXXX as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Checking or savings account

I deposited cash amount of XXXX into Wells Fargo atm at XXXX on Friday XX/XX/2022 My money was jammed and my deposit didnt show up in my account. I got a receipt stating that the atm was out of order and was only credit a XXXX. The receipt said to wait 1 to business days for my funds to appear in my account. I immediately called the bank and filed a claim. Its been 6 days and I still havent received my funds
Product: Credit card or prepaid card

First, Ive had my Shell XXXX XXXX since XXXX with a excellent pay history and a loyal customer. Shell added a {$50.00} increase on the card in XXXX but did not provide a credit limit increase in XXXX. I was in the hospital from XX/XX/XXXX - XX/XX/XXXX so I had someone paying my bills for me. However, they used my funds for their obligation then tried to pay my obligation later. Although Ive never missed a payment with Shell, my hope was they provide options once talking to them. 
I had XXXX with additional XXXX medical issue and even then they did not want to provide options. 
This is the 4th time requesting a credit limit increase that was denied. However, my concerns are the last 2 reasons for denial : XX/XX/XXXX - payment history to them or their affiliates XX/XX/XXXX - same reason as above Due to XXXX  related medical issues, it was explained to Shell ( Citi Bank ) reasons for the 2 months for late payments. I was assured the account is in good shape. Therefore, the late fee was waived as a courtesy with difficulty. 
On XX/XX/XXXX, I called the credit review department to discuss payment history reason for denial. The representative told me what caused the issue and proceeded to transfer me to customer service. Customer Service can not make credit limit increase decisions.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXXXX/XX/XXXX XXXX, FL XXXX and XX/XX/XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, 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. 

The letters are stated with items and issues. 

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

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from Experian on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at experian.com/upload, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Product: Credit card or prepaid card

There was a coulple credit cards that were taken out in my name that I did not authorize, I am filing this report to compley with a police report. I have disputed the transactions and was inform by a police officer to get a report is nesscessary. I was told by the officer in the investigation that I need to complete this. I am not certain of all the excat times and dates of transactions but I am aware that I believe that the person who is stealing my identity is my son XXXX XXXX XXXX. Recently checks were also stolen by him and I took measures with the banks to fix that. I have a XXXX XXXX card that was taken out in my name, with a XXXX credit limit. I have not once received the actual card or receive the statements. There is a current balance of XXXX pass due. And also there is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I can be contacted by phone at XXXX. 

Thank you. XXXX XXXX
Product: Debt collection

XXXX I Spoke with XXXX XXXX XXXX representative in reference to my account XXXX and the account balance has been resolved to a XXXX balance. 
XXXX I reached out to Amsher Collection Services , Inc. in regards to their attempt to collect on the same debt with their account # XXXX spoke with a representative and advised him that he debt has been resolved with the original creditor, provided the name of the XXXX representative I spoke with and tried to provide contact information for them to confirm the resolution of the debt, he refused and said that he will wait for XXXX to reach out them. 
I ask them to stop sending communication attempting to collect on a debt I did not owe. It is not right for a collection company not to accept proof of debt resolution from the original creditor from the debtor the are attempting to collect the debt from. It should not be a one way street.
Product: Money transfer, virtual currency, or money service

am filing a complait against Cash App ( XXXX. ( XXXX to XXXX XXXX ) ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution procese a O : XXXX unfair XXXX deceptive, as they ad no? 
KY comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their plattorm, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 
These actions have caused significant
Product: Credit reporting 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 accounts ( A ). It is not permitted to report these accounts 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 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i provided proof of my identity. My identity was stolen from but i do have access to a capture picture of my ssn. I am asking that you guys can investigate in my complaint and remove all fraudulent accounts and inquires from my report. I do not own any of the following accounts, I can provide as much proof that is needed for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are Experian # XXXX, XXXX # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. Please delete all Fraudulent information from my credit report.