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

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, XXXX XXXX, never gave XXXX any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY. 

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status incorrect : Date of Last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX : Account # XXXX Account status incorrect. Date of Last activity incorrect which shows that the account has been reaged. This is a violation. Account showing as a chargeoff and it also shows a balance. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX Account # XXXX Date of Last activity incorrect which shows that they keep reaging the account. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX Account # XXXX XXXX account still showing a balance. This is a violation. Date of last activity is incorrect which shows that the account has been reaged. This is a violation Please delete this from my consumer report. 

XXXXXXXX XXXX Account # XXXX Charge off account still showing a balance. This is a violation. Showing profit and loss but I never received a 1099C. High credit limit not showing correct with all XXXX bureaus. Date of last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report.
Product: Mortgage

I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from XXXX and Trans Union for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet XXXX  has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.
Product: Debt collection

On XX/XX/2022 I submitted a complaint through the CFPB to which the company OneMain responded to on XX/XX/2022 stating : In your complaint, you state that your account was settled in exchange for the deletion of the negative account from your credit report, but the account is still reporting and harming your credit. As an initial matter, please note that OneMain has no record that you have accepted any settlement, nor has it received any settlement payments. OneMain respectfully declines to request removal of the OneMain account reporting to your credit file. 

I've attached a screenshot from my current credit reports from all XXXX credit bureaus showing that the account is reporting as Settled/Payment after charge-off so why exactly is your records not reflecting said information which the credit bureaus clearly got from your company? This is a serious violation of my rights under the FCRA since the information being reported against me is neither fair nor accurate. If this gross negligence of my rights continue, I am prepared to file a lawsuit and seek compensation for the damages I have incurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number:XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

4. A copy of the 1099C showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ALSO KNOWN AS XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry 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
Product: Vehicle loan or lease

EXETER FINANCE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Debt collection

Initial complaint filed against Freedom Debt Relief on XX/XX/XXXX case # XXXX regarding an incident from XXXX to XXXX where they collected over {$34000.00} from my husband and I, but failed to pay any of our debts. It is all spelled out in the attached documents. I am submitting a second complaint as they failed to respond to the first complaint.
Product: Money transfer, virtual currency, or money service

I met XXXX XXXX through a guy name XXXX XXXX in regard to acquiring real estate and building new homes in XXXX, GA. When I met XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, we had a meeting about what he does and the company he owns. XXXX XXXX stated that he and his partners own a few companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. He stated he owns a mortgage company, that will give me 100 % financing for the build out of homes, as long as I get the capital liquid funds to put down on the vacant lots at address ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, GA XXXX. So, after the meeting that took place on XX/XX/year>, I met with XXXX XXXX on XX/XX/year> to go view different lots, that he stated he owned, and he would sell to me and provide the financing through his mortgage company for the build out. Once I left XXXX, and flew back to New Jersey, on XX/XX/year> XXXX XXXX sent me a XXXX XXXX link through text message to apply for the loan and talk to his partner XXXX XXXX to put down on the vacant lots at XXXX and XXXX XXXX XXXX, I proceeded to do so, and I was approved for {$150000.00} in which I secured the loan and followed all the directions XXXX XXXX instructed me to do. Once the money was deposited into my account on XX/XX/year>, I called XXXX as instructed and he told me, to pay off a personal loan I had with XXXX XXXX ( I did so ), keep a few months to make payments on the loan which is {$3100.00} monthly until construction starts, and to wire him {$100000.00} for the down payment of the lots at XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ( I did so ). After wiring money, XXXX XXXX told me he was working on the deal, he been in contact with underwriting, and that I had a closing date scheduled for first week of XX/XX/year>, it never happened, then he moved on to other properties throughout XXXX, GA ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. After nothing came from any of the lies that he told, he stopped answering the phone and I lost contact. I then contacted the police, and have not got any answers, I contacted Bank of America where I wired the money from, and they stated they can not get the money back, I have called the FBI and haven't gotten anywhere, I have contacted XXXX XXXX, and they refused to modify the loan or remove interest due to the scam. I have exhausted all avenues that I know of and I'm begging for help, this loan is {$3100.00} monthly and it has put a major hardship on me and my family, I'm struggling to pay it monthly, I also can't default on it due to my kids needing their education and having a chance to go to college within the next year. Can you please assist me in this battle. I honestly did not see this type of scam happening to me, I thought this was a crime, and it seem I can not get help from any agency. This whole situation has hurt me and is truly stressing me and causing me to be in the position to lose my current home, not be able to save, neither can I provide a healthy living for my kids as I once was able to do prior to this situation.
Product: Money transfer, virtual currency, or money service

We initiated a XXXX  transfer on XX/XX/XXXX, and it shows completed on the chase side, but the recieving bank has been slow to deposit. We contacted chase and they absolutely have refused to get us the XXXX or put us in touch with their transfers desk. They say that they can not do so due to covid staffing. We're trying to escalate but after an hour on the phone and various other means of contacting them, we're at wits end on how they can fail to provide the transaction report on a fairly simple transaction.
Product: Debt collection

Called and used abusive and aggressive language regarding a collections letter that I am currently disputing. They can not /have not even shown proof of what this debt is or where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

I sent a dispute letter that accompanied a police report to Kaps and Co  which a representative by the name of XXXX confirmed was received on XX/XX/20. On the letter I requested them to cease and desist. The continued to contact me and even sent me a letter dated XX/XX/20 which is a FDCPA violation. Today I've spoke to XXXX and and manager by the name of XXXX who hung up on me although I was nice on he call.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX as well as XXXX about the incorrect information and the accounts attached to them and nothings has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the three credit bureaus, Equifax, XXXX, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? Where is the US LAW that states that they can not remove my personal information at my request?
Product: Debt collection

Reviewing my recent credit report, I discovered several accounts that appear to have been added without permission. Please ensure these fraudulent accounts are blocked and removed promptly.
Product: Debt collection

Contact Transunion i let them know that the bill on my credit report was not mine I provided them with my ssn # an id also I provided my son ssn # an id by mail like they ask after 60 days has passed an the bill is still showing on my credit report an also my son name is still showing on my credit report as also known as.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received emails from what I thought were the president of the non-profit asking me transfer funds via XXXX to a scholarship winner. Over two months I responded to the following transfer funds requests XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XXXX {$2600.00} XXXX {$2400.00} I became suspicious when the next amount requested was {$7000.00}. I called the president and she confirmed that she had not made these requests. The emails came from an unauthorized user. I immediately contacted Bank of America. They investigated and said that since they made no error they were denying my claim.
Product: Checking or savings account

I have 2 major concerns called out here : 1. I opened a CD account ( ending in XXXX ) on XXXX or XXXX of XXXX. I didn't have funds to deposit so transferred money over which became available on XXXX to add to CD. As soon as I added the funds to the CD, I realized the duration chosen was incorrect. The money must have been added for only 3 minutes when I called Marcus/Goldman Sachs and asked them to revert the funds without any penalty. No penalty as GS/Marcus could not have served me ANY interest for 180 seconds. I can understand if they had given me interest that they take some of that interest away. 

The rep understood and tried but realized he didn't have the ability to address my change and asked me to call after XXXX EST when a rep could assist. he made copious notes to my account so no junk fees could be assessed to my account. 

I called at XXXX and the rep ultimately informed me after speaking with her supervisor that I would have to pay $ XXXX in penalty junk fees to get my money out of that term of the CD! That is simply unethical and wrong. I understand the concept of Terms and Conditions but you can't tell me that the spirit of XXXX XXXX and spirit of the Law and Terms and Conditions permit such unethical behavior asking me to forego $ XXXX in penalty fees for putting money into a CD for XXXX minutes. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2. I have my parents listed as beneficiaries on my Bank accounts and CDs with Marcus. I have had them there for YEARS. The Bank now sends me a notice saying that my parents ( my dad was an XXXX XXXX XXXX pilot who worked with the USAF too all his life ) can not be beneficiaries ... Because, EVERYONE in this world and country must have a SSN? They are honest hard working folks who made me who I am and if I were to die tomorrow, they can not get my money? Because Goldman Sachs likes to discriminate against folks from XXXX? Why would my parents from XXXX have a need for a SSN, when they are adequately well off where they are? See, not everyone needs to/wants to live in the US, when they are significantly more comfortable in their retirement elsewhere. Does Goldman not understand that? Why would Goldman not let my parents be beneficiaries of my accounts in the USA? In fact, my wife does not have a SSN and she legally lives in the USA. As a Bank, you guys should be aware of some basic life use cases.
Product: Payday loan, title loan, or personal loan

This line is through Paypal. They say in their terms in conditions they provide protection for their buyers. I bought a basketball card on XXXX that was guaranteed to be authentic. It ended up being not authentic and they will not refund my money like they are suppose to. They will not support my claim even though I have clear info that shows that the card is worthless now that it is confirmed to be a fake. I purchased the card for {$2900.00}. The merchant XXXX will not let me return the card and Paypal is suppose to protect me, it hasn't. False advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified ADJ SVC Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

XXXX XXXX XXXX Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.
Product: Credit reporting or other personal consumer reports

I have requested the full complete application on several occasions from this company. I want to see my had written signature and also Any identification that was used to state that this is my account. I sent 3 letters XXXX They have failed to provide any information that validates I signed my so future and provided a picture ID or social security card to get this credit card. They sold the account and now a third party is trying to collect on a debt that is written off and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXXXXXX XXXX '' on my Experian consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.