23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor: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

Dear Sir, Re : Incident on extortion of my school fund by XXXX XXXX XXXX XXXX and XXXX XXXX on my dead Cat. 

I wish to notify you that I am still deeply in pain regarding the huge sum of money that was meant for my school fees and books which was extorted from my bank account by the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX who vividly knew that my cat I brought to them is already dead without advising me, but took a total sum of {$1100.00} from my account on two different occasions. Below are the case numbers on two different occasions my money was deducted from them : ( a ) Case # : XXXX ( {$350.00} ) ( b ) Case #  XXXX ( {$830.00} ) Total : ( {$1100.00} ). 
However, I felt devastated about this trick of taking this money from my account knowing I am a student trying to survive and finish my school, because It's the only money I had to pay for my rent, Bills and books for my final year exam, as I have nobody to assist me in my academic pursuits. As it stands now, my account is zero and I am resuming school on XX/XX/XXXX to continue my education and I would appreciate if my fund is restored back from this animal hospital back to my checking accounts because I felt being trick and they extorted my money as they knew that my cat will die within twelve hours the moment I brought it to enable me pay for my books and fees in school. Furthermore, I expected the doctor to convey to me that my cat will die within 12 hours I brought it after He checked on my cat to enable make a decision, but rather trick me and eventually my cat died and He extorted my school fund from my account that left me to zero.Thank you for your maximum co-operation and I am anticipating a positive response from you. XXXX bless. 

Sincerely, Student XXXX.
Product: Mortgage

I was approved for 18month of payment assistance from XXXX XXXX XXXX and only 2 payments have posted on my account no payment was made since XXXX so my account is extremely past due for XXXX, XXXX, XXXX payment please help me get these payments applied! I recently received a letter stating my mortgage with transfer to XXXX  as of XXXX XXXX but my account is past due from payments not being applied from XXXX  so what is XXXX  puts me in foreclosure please help me bring my account current before the transfer also I have called XXXX  requesting tickets be put in on applying my payment because XXXX stated they have been sending out payments the XXXX of everY month. Please help me find a solution to get my account up to date.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XX/XX/XXXX account ending in XX/XX/XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.
Product: Credit reporting or other personal consumer reports

Opt Out Request : Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX pl XXXX WA XXXX XXXX DOB : XX/XX/XXXX Consumer Privacy ReportRequest : Submitted XX/XX/XXXX Please note : AS OF XX/XX/XXXX, XXXX active FRAUD ALERT was placedon my XXXX profile.Opt out should be effective from XX/XX/XXXX. 

Please Note : AS OF XXXX, XXXX active FRAUD ALERT was placedon my XXXX XXXX XXXX. See attached. 

Please note : AS OF XXXX XXXX anactive FRAUD ALERT was placedon my XXXX profile and access to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARE NOT PERMITTED, AS THESE ACCOUNTS ARE CLOSED AND PAID - NOT-REAFFIRMED AND INCLUDED IN XXXX XXXX DISCHARGE. See attached. 

Please note : AS OF XXXX XXXX active FRAUD ALERT was placedon my XXXX profile and access to XXXX XXXX XXXX XXXX LIMITED TO ; XXXX, XXXX, XXXX OPENED NON- SECUREDPERSONALLOAN-ACCOUNT. 

Any and all access including but not limited to the NEW TRADE-LINE ; XXXX XXXX ACCOUNT furnished XX/XX/XXXX areprohibited.Failure to comply and continuedfraudulent activity are subject to criminal penaltiesunderFCRA impermissible access. A complaint has been lodged against XXXX with FTC and Washington XXXX Department XXXX XXXX XXXX their failure to comply. See attached. 

I have collected evidence that demonstrates the fraudulent activity of the above referenced parties. Any parties found to be engaging in attempts to prevent, conceal, redact, and/or destroy evidence will be prosecuted for their complicity in the crimes. 

Please find the attached Transunion Credit Profile information. Under FCRA guidelines I am entitled to the names, dates, addresses as well as all information related to the sale and distribution of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion LLC didnt respond my letter Dated on XX/XX/2020 After couple months, they responded my letter of XX/XX/2020 and they came back to me saying that they wont make a further investigation. Please be advised that this is my second letter telling them That they didnt respond my letter within 30 days period dated on XX/XX/2020, I am enclosing a copy of a letter that I mailed to the company via certified mail requesting that they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2020 approximately. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

This letter is a follow up to my original letter dated [ XX/XX/2020 XXXX regarding an inaccuracy in the credit reporting, regarding the entry being reported under Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Late Payment XXXX   XXXX Unverified Account XXXX XXXX XXXX Unverified Account By not replying in a timely manner to my initial letter on they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that they immediately delete this information from my credit reports. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Checking or savings account

I am writing to file a complaint against NFCU 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 issues aligns with the recent CFPB finding against Navy Federal for similar practices where transactions settled with insufficient funds, despite initially available funds. I believe these practices are unfair. I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Product: Checking or savings account

This is for CITI Bank email address : XXXX This bank has a lot of problem that I shouldve checked first before opening an account with them. They blocked my account not even a day of having it activated. I have both checking and savings account with them. When I went to try to log in to my account it was saying Blocked and I need to call the number that was provided. I caller that number right away. And the first person had asked me for my number to verify if its me by sending a txt msg code to tell them what it is. I provided the code and she was asking me if the transaction that was denied was made by me. And I said yes which is attempting to add my card on XXXX XXXX. Which they denied at first then I tried adding it again to my XXXX XXXX and it worked the 2nd time. Then she said theres other transactions that needed to be checked and shes going to transfer me to that department. And the call was transferred the 2nd lady did the same thing asked for my number to get a code from me to mak sure theyre speaking to me the owner of that account. And I did provided her the code. Then she went XXXX and telling me that there will be a 48hrs hold to check my account. But thats all she said. Here I was thinking she was just going to ask me if the transactions that was blocking my account is made by me. But no all she said was there will be a 48hs hold!!!!!! I need my XXXX money in there I have an appy with a high risk XXXX XXXX my XXXX to pay my copay and they XXXX holding my money!!!! I only had the account activated for not even a day and XXXX XXXXXXXX  already blocked my card/account. I cant even use it. There was no XXXX explanation on their ends!!!!!
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX/Westlake Fin Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Product: Mortgage

Ditech bought our loan from XXXX and we did not recognize the new mail thought it was junk mail. We made out 1st payment as soon as re realized we had a new mortgage company 36 days late, and it was well within their 60 day grace period, however they reported us to the credit agencies anyway ( on our 1st payment ), seriously damaging out 15yr run of XXXX+ credit scores. Their envelopes look like junk mail and they know it!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Mortgage

To keep property from foreclosure we made a payment of {$9300.00} on XXXX XXXX, XXXX. I have made the mortgage payment every single month since then. Ocwen says that there were additional fees after we paid the {$9300.00} of {$970.00}. I dispute that because they would not even accept the cashiers check unless it was for the FULL amount due. However, even if you count the {$970.00} and the 2 1/2 weeks insurance they say we owe from XXXX XXXX - XXXX XXXX, XXXX it still would NOT come out to {$5000.00} that they say is owed now. 

HOW CAN THEY TAKE MY MORTGAGE PAYMENT AND APPLY IT TO THEIR BOGUS CHARGES? 

I HAVE NEVER MISSED A PAYMENT SINCE XXXX XXXX They have ridiculous fees like " Property Inspection Fees '' do they come out and inspect the property? NO they do n't. And Certified mail.. really? They show that they send these out every two weeks ... .and charge a lot for them. I do n't get those. " Title Search '' for {$520.00}, Why would they do this? I am not buying the property again or refinancing it. And endless other needless fees and charges ... endless.. 
They did not accept my Insurance Agents faxes that she sent 3 different times even though we called and got the phone number to send it to. We had no way of proving that she sent them even though she did. It took months to get them to acknowledge that we had insurance and in the meantime they charged us for the insurance and additional fees. 
So, because they applied my mortgage payments to their padded fees and taxes, the record shows that I am 2 months behind in my mortgage payments when I have NEVER missed a payment since XXXX. 
In reality, the only thing that I possibly owe for is the {$970.00} of fees that came in after the XXXX XXXX payment. All the rest is their charges and fees that they have scammed me with. I called and tried to settle this many times, and was so frustrated that almost had a nervous breakdown. Then I just had to let it go until I could handle it. Seriously, dealing with people from XXXX who I CAN NOT UNDERSTAND WHAT THEY ARE SAYING and they can not possibly even begin to understand what I am talking about or relate to me in any way. Never speaking to the same person and not being able to have an extension to talk to the same person. Not being able to talk to someone here in the US. AND TELLING THE SAME STORY OVER AND OVER AND AND OVER AND OVER AGAIN until you give up. It 's a form of mental abuse. MENTAL ABUSE. Endless XXXX. 
I want resolution. I do not owe all the endless fees and charges. I had home owners insurance and if they do n't accept my proof, it is not my fault. They are the best scam artists in the world .... claiming not to get the faxes or phone calls. 
I paid my mortgage every month. I paid for homeowners insurance. They need to credit me for all their charges. Not even to mention that they turn me in every month to the credit bureau for something that is false. I am not behind in my mortgage payments or insurance. PLEASE RESOLVE THIS. Thank-you.
Product: Mortgage

We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.