23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2014, we sent {$5000.00} toward bringing our loan balance down and request a repayment plan for the remaining balance behind ; Ocwen stated that they reinstated the loan-flat out lie ; they did not reinstate the loan. They have manufactured a response since I filed this complaint to try an cover up their trickery ; Ocwen stated that unless we had the total amount that they would return it ; they did not return the {$5000.00}.? ; They did n't offer a loan repayment at that time. Ocwen has one goal-to foreclose by any means ; I have the loan statement ( wow ) when this problem, if they really wanted to help could have been fixed before this. We asked three years ago who the investor was ; never received the any information ; requested a copy of first denial letter ; never received it. Ocwen 's statement is : Helping home owners is what we do '' yes right into foreclosure with trickery ; not sending documents ; making false statement and then manufacturing a response to a complaint filed that stinks to high heaven. Ocwen knows XXXX well they did not reinstate our loan after money was sent ; they sent us a default letter. If I had not us money to get a second opinion for a misdiagnosis of XXXX XXXX that XXXX made a mistake on, I would be XXXX today from taking XXXX XXXX that would have not been needed for something I did not have ; Ocwen could careless or the investor, but now they are trying to cover up an untruth. They had not intention of trying to help us, but help us right into foreclosure by telling us one thing and it not being the truth. Ocwen could have easily offered the repayment plan when the loan was XXXX behind, after we sent the {$5000.00} that Ocwen did not return? But now they send us some repayment plan documents on Monday.. this has been trickery from the start .... and they should be willing to fix a situation that we got played into, but now it had been exposed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX is not ensuring the privacy of consumers. Any person who knows a person well, such as an ex spouse, can easily access a credit report. The test questions are questions that anyone who knows a person can answer. Some of the questions can be easily guessed. According to my Experian account, someone accesses my report at least twice a month. It is no doubt my ex husband who has stalked me for years. I have read MANY online complaints about this. Please ask that XXXX to start requiring a password. Thanks.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXX : {$24.00} ( as of XX/XX/year> ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under XXXX : According to XXXX XXXX guidelines and the XXXX  automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/year> contradicts the reinvestigation results.The payment history reflects delinquency dates ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus XXXX TransUnion XXXX XXXX and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as TransUnion, XXXX and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I ordered a item online, through my PayPal credit account on XX/XX/2021, and I cancelled the order within 24 hours of purchase. I received emails from the merchant " not '' acknowledging the request to cancel the order. I was still billed for the item, so I filed a dispute with PayPal through their resolution Department and I received an status email back stating my dispute did " Not '' qualify for a dispute? Since when in America, in accordance with American Consumer Law, does a citizen have to pay for a cancelled order? I actually cancelled the order within " 10 '' minutes of ordering it, but I am still being billed for the charge on my credit account. IT was a split payment, but [ t ] hat is an option PayPal gives the customer on how to pay if the customer wants to do it that way. I am prepared to file a complaint with the FTC and XXXX ( which I already did with XXXX ), this morning.
Product: Money transfer, virtual currency, or money service

I am 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 inconvenience and financial loss, and I seek appropriate redress ( 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX PD. For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I have is a reference number # XXXX. <P/>As of XX/XX/XXXX I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXXXXXXXXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. <P/>Because I am not a Wells Fargo customer and this was a cash deposit, XXXX has told me Wells will not give me back my money and has told me to go to the police. I told him I already filed a police report. I inquired how the police are supposed to help me get back my money if it is in the possession of Wells Fargo. There is video evidence and a receipt proving I was the one who deposited the money. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. <P/>I was never contacted as the victim of a scam and am now being told I am not entitled to getting my money back. My only communication with Wells Fargo has been through the branch manager XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX : Account Name : XXXX XXXX Account # : XXXX In accordance with the fair credit reporting act XXXX accounts XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, has Violated my rights XXXX 
15 U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting false information this account is close and satisficed declaration character please remove false information XXXX XXXX XXXX XXXX XXXX  i have no relationship with reporting in accurate information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX remover off credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX. XXXX. 
I have no luck resolving my issues with equifax. These are the following issues. 
my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
Equifax has multiple other addresses on my credit, they are reporting incorrect information which is not lawful under FCRA. I only get U.S Postal mail at the above address. 
There were also multiple accounts on my credit That i was unfamiliar with and had asked for them to remove and they have also failed to do so. 
So I went and got an affidavit and filed a police report as well. 
Under the FCRA section 605B they are suppose to remove everything within 5 business days under the FCRA. They have also failed to comply.

Also Under section 611 of FCRA they were suppose to inform me of name, address and phone number verifying the information which I requested and they have failed to provide as well. 
Equifax is in many violations of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report tonight. Ive always monitored my report closely, but out of nowhere, discrepancies appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the errors didnt go away. This has left me shaken, and Im requesting a detailed review of the documents I submitted to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Product: Debt collection

The company in question spoke to my dad about a debt that they purport to belong to me. They not just spoke to him but tried to get him to make a payment on the debt even after he told them to send me information on the debt to my address by mail. The agent still kept asking him how much he was able to pay on the debt. I also see that they are reporting the debt on my credit report with false an misleading information such as the date the debt was opened. They list the original creditor as XXXX and said that the account was opened on two different dates. On XXXX  they have the date the account was XXXX. On XXXX  its listed as opened on XX/XX/XXXX. the debt is not reporting on XXXX. 

XXXX  has the date last active as XX/XX/XXXX, XXXX  has it as XX/XX/XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.
Product: Credit card or prepaid card

M & T Bank has an offer for a Credit Card. No Fee & 1 year no interest. I applied over the phone on XX/XX/XXXX and get approved for over $ XXXX on the phone and give them my info for a balance transfer to my Credit Union for {$2400.00}. Wait a few weeks & receive a letter dated on XX/XX/XXXX. But did not receive the letter until XX/XX/XXXX. Unable to Process. 
I called XX/XX/XXXX gave them to information again. Called XX/XX/XXXX to see if confirm. No answer. Called XX/XX/XXXX they said unable to process. Should be receiving a letter. As of today no letter. Called XX/XX/XXXX retook my bank info again this time I asked for {$2300.00} transfer. 

Note all time on the phone is over a half an hour on the phone. Customer Serice can't give me a answer why it does not go through. 

Except that their offer is only good for 60 days. They are stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is too much unacquires on my credit report. Fraud from following companies XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Tel # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.