23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  and Experian, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against Experian and XXXX  were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a zero balance.
Product: Mortgage

My existing Mortgage loan product with Chase Bank, has been modified without my consent. For the last few years my loan with that bank has been reflecting a no Property Tax exclusion because I am rated as XXXX XXXX  XXXX by the VA, which the State of Maryland adheres to. The 100 % VA paperwork was processed through the local County Government and the Bank, where they then removed the Property Taxes from my mortgage monthly and yearly payments. 

Today, XX/XX/2020 is when I entered my bank account online to find that for some reason, which I believe to be fraud, everything has been reset back to reflect Property taxes. I believe this is an attempt to recollect my information concerning my VA 100 % XXXX findings, and further target me and my finances. I am retired military, and I have experienced Identity Theft just a few short years ago as we were at that time still required to use SSN 's. While that has changed since then with government DOD offices issuing new numbers, the VA has not changed the use of SSN 's and of course fraud still does continue there. The government has since also issued me the Credit Monitoring programs that it issues to Identity Theft Victims. 

I believe this latest loan modification is tied to a scam to collect my 100 % XXXX paperwork info again and defraud and target me. Further, the Chase Bank on their telephonic digital warnings have now gone to the collection of Voice and state they can use it. That has fraud written all over it! The collection of my voice is not something I consent to, and I will be changing banks as it currently stands do to this latest of scams. Upon a response to this Banking Complaint, I can provide all the dates, dollar numbers, and paperwork necessary investigate this problem. 

Thank you. 

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

I have XXXX XXXX XXXX XXXX and as of today 's date. I have a credit score of XXXX. With 5 % usage on a XXXX credit line. Now, I also have nerd wallet. And they are reporting my credit score to be XXXX. With usage at 28 %. Both pose to be transunion but both not having the same information. I would like for the score to be corrected across all platforms.
Product: Debt collection

Victim of identity theft. Accounts and services opened in my name without my knowledge or permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Military Star Card Exchange had added late payments to my credit report while I was XXXX overseas. I informed them of my XXXX after seeing the late payments and even with proof of overseas they said they were unwilling to do anything. Its causing extra stress and hardship on an already hard XXXX lifestyle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting to Transunion, account number XXXX Closed, 60 days past due. 

XXXX XXXXXXXX XXXX  is reporting to XXXX, account number XXXX Paid, Closed, Never Late.
Product: Credit reporting or other personal consumer reports

I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from barclays bank delaware. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX  and my XXXX  reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

Shellpoint is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. Shellpoint did not restate the mortgage loan as put forth in my approved bankruptcy plan 10 years ago.

We tried to have Shellpoint correct these issues several years ago ( 2015 ) when they also filed a Notice of Default and Intent to Accelerate. I paid and continue to pay legal fees as a direct result of Shellpoint 's actions.

Recent mortgage statement ( attached ) claims incorrectly that I have an unpaid balance of {$74000.00}. This is not correct.

On this statement, Shellpoint is charging {$100.00} for a BPO, and {$98.00} for a late charge on payment you received. These and all other inappropriate fees should all be reversed.

Shellpoint just returned my regular monthly check ( see attached ). This is improper, violates my bankruptcy plan, and can be seen as an effort to put me in default. Shellpoint just sent a new Notice of Default and Intent to Accelerate, bas
ed on payments not made during automatic stay in bankruptcy 10  years ago, violating my bankruptcy plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).  This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR Resources , Inc failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX  v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
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 an 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 arrow resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Checking or savings account

closed out my account b/c I filed several disputes with CFPB and FTC what's the point of having this company if banks can close you out b/c you diputes something with CFPB
Product: Mortgage

Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB, # XXXX in which was closed by Experian after " investigating '' .. Apparently this company has PLENTY of funds to pay towards FCRA violations, penalties and fees because their willful noncompliance and complete disregard for the law shows just that. Maybe I should have included in my previous complaint that I am a XXXX XXXX XXXX XXXX so I'm well aware of my rights and I'm only filing a CFPB report for legal purposes and documentation only, not because I enjoy communicating in which Experian on my free time. 

As you stated in your response to complaint XXXX, you are not required to delete or remove accurate accounts from consumer reports nor keep documents HOWEVER you are REQUIRED to make sure that information YOU receive is being reported accurately by YOUR company. Your company has failed to protect and disregard my consumer rights. For example, according to reports # XXXX, created XX/XX/19 and # XXXX, created XX/XX/19 by your company, you are alleging that you've verified information with XXXX XXXX XXXX XXXX, a charged off account with a recent balance. As we BOTH should know, charged off account reflecting balances OTHER than {$0.00} is inaccurate reporting and must be deleted immediately. I've disputed the accuracy of multiple other items on multiple occasions in which it then becomes your FULL responsibility to investigate them under the law. I will not be attaching any documents for your review, but i will be more than prepared to tender any and all documents I have at court for attorney 's review, shall this matter no be resolved Immediately. I see over {$7000.00} in violations and I'm sure with the help of a professional attorney we could find a lot more. I do hope that you take this much more seriously than you did # XXXX.
Product: Debt collection

Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've recently received my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Credit card or prepaid card

XXXX XXXX credit card issued by Citibank in 2017 was going fine until they started adding charges and amounts I did not incur, now they want {$560.00} for a credit line of {$300.00}. They have put a debt collection firm up my XXXX after I disputed the amount and tried to settle with Citibank but to no avail. 
Citibank has been a big problem as they ask for a huge amount that cant be paid then they go about painting you into a corner getting you to agree to terms that arent possible to keep until you demand they stop calling, this is after they have harrassed you for months. Then they put a debt collector on you who pulls the same stuff, it's impossible to get anything done with Citibank, they want blood when there's none to give. 
I
Product: Mortgage

1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX. 

2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX. 

3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well. 

4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included. 

XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.

6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen. 

7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.

8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.

9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.

10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I've attached an image showing proof of an inaccuracy as well. I have never been late on payments for the account : ( XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Product: Payday loan, title loan, personal loan, or advance loan

I applied for XXXX benefits with the personal loan I pulled with Pioneer Military Credit and they will not honor the Louisiana clause for XXXX  which approves of XXXX benefits for any loans or credit from prop to XXXX XXXX and any gained during XXXX XXXX because they say its just for goods and services. I have pointed out in XXXX other emails that the law on Louisiana federal website says ANY CREDITOR and is not limited to just goods and services must honor the XXXX if shown XXXX XXXX orders showing XXXX XXXX status in Louisiana which I have. They then just repeated their last email with no proof stating its just for goods and services and stated they will not reply further with my request. And if they dont honor this, then they should be allowed to say they are pro military lenders if they are giving atrocious interest rates without honoring XXXX XXXX and benefits specifically to help XXXX XXXX members.
Product: Debt collection

I had a hospital visit a few years back and I did not pay it. The account went into collections and in 2016 I settled the debt and paid XXXX services and the account was removed. A month ago, XXXX collection agency reported an account from XXXX XXXX XXXX XXXX from the same date of the original visit with a similar amount. I have contacted Aargon and requested a proof of debt and i have not received this yet, I aslo provided them with the confirmation of account satisfaction and they have yet to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/2022 ) as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. 

PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX { 4 } XXXX  XXXX XXXX { 5 } td auto finance
Product: Checking or savings account

A fraudulent transaction was made on my Bank of America checking account XX/XX/XXXX, at XXXX XXXX, in the amount of {$1000.00}. 

I have been in communication with both XXXX XXXX and Bank of America regarding this fraudulent transaction for several months to no availXXXX XXXX XXXX  ( XXXX XXXX  XXXX ), has explained to me that they are aware the charge was fraudulent, and they simply need my bank ( BoA ) to work with them so that they can reverse the charge. 

The reference number for the XXXX XXXX 's claim is # XXXX. 

Bank of America has opened two claims regarding this issue due to mishandling on their end. They credited the money to my account, but took the money back out today ( XX/XX/XXXX ), and said that my claim was not approved, with a number to call to receive the documents used to make the decision. I was on the phone with them today for over 2 hours regarding the issue in order to get the documents regarding the claim and reasoning behind the denial ; they refused to provide any information, including any documentation. I was able to get an employee to reopen the most current claim ( # XXXX ) Claims created by BoA regarding this same issue : # XXXX # XXXX I have spend countless hours on the phone with Bank of America and have not been helped. I'm not sure how to go forward in having this fraudulent charge reversed. The charge was absolutely NOT authorized by me or anyone with permission to use my card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Equifax Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting or other personal consumer reports

The following account is still showing on my credit report, I have already disputed this with all three bureaus but they are still reporting it, I am including a copy of a recent FTC report : XXXX XXXXXXXX {$6000.00} XX/XX/year>