23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am not a attorney, so maybe I did not explain my case well enough, if you all look at the XXXX on page XXXX under count XXXX, number XXXX, clearly said the " Due to an inadvertent clerical error, the Mortgage was never placed of record with the XXXX County Kentucky Clerk 's records and the original Mortgage has become lost. " If the original Mortgage has become lost, then how can you filed a assignment of Mortgage on XXXX XXXX, XXXX and also it was signed and prepared by XXXX XXXX by OCWEN office, so when I said OCWEN falsify the document, it mean using a copy or some other way to make it legit to file a law case. I pray the CFPB will look into this, so it will not happen to other people. 
recently, OCWEN wanting to file a law suit, so OCWEN falsified a copy of old mortgage paper, and ask XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, XXXX have abused the Electronic file system. according the law, XXXX need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX XXXX clerk office, and you can also look at the date they file, it was there first filing on XX/XX/XXXX. and the Mortgage date is XX/XX/XXXX. by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, XXXX and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the Legal procedures.
Product: Vehicle loan or lease

Bottom line : Toyota financial is reporting late payments to the credit bureaus on a loan that I've already paid off and has a XXXX  balance. 

Background : I took out an auto loan with Toyota Financial for {$27000.00}. 

I paid off the entire balance so my account online was showing {$0.00} dollars. I spoke with an agent who said they would send me the title. A month later I received a letter in the mail saying I owed {$140.00}. I called because I was told my balance was paid off, and spoke to a manager who said there was nothing I could do about the charge and that it wasn't late yet, but that if I didn't pay it, it would reflect negatively on my credit report. 

So, even though I did not believe I owed the money, and felt like the manager was using the leverage they had over me in a very unscrupulous and condescending way, I went ahead and paid it that same day to avoid the hassle. 

The payment was processed and my account continues to show a XXXX  balance. I received no letter in the mail and no email saying I owe anything further. I don't owe anything further, but I received a notice that my credit score had dropped. It has dropped twice from two reports made by Toyota Financial for late payments. 

I have tried to resolve this complaint with Toyota Financial,  but was just hung up on by the customer complaint department after I was transferred to them.
Product: Money transfer, virtual currency, or money service

I was called through a national grid scam on XXXX XXXX 2021. Because they had my account information and number and balance I believed they were calling from the company. Due the new system of XXXX through Bank of America they didnt say businesses didnt do bill pay though XXXX I was given an acronym for the name that was on the XX/XX/XXXX recipient. I explained all of this to them and they told me there was nothing they could do cause it was sent from my account. They took over a month to let me know if they could assist and Im not sure what steps they took. I even gave the number I had from the scammer. 

The amount was for XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XXXX ( XXXX $ ) In the matter of 2 weeks they hit me with all these fees no one can tell me why bank of the west hung up on me. It doesnt matter if theres money in the account or not every day I wake up and some type of new fee there. Id like a criminal investigation done
Product: Credit card or prepaid card

I have contacted navy federal credit union faxed all documents as proof Im a victim of identity theft and fraud. Lease, police report, federal trade commission report. I have fraud credit card charges that were not investigated the initial time around and was reversed back into my account stating due to my spending habits.A letter was sent says I could appeal and I did. WAs advised not time frame for an appeal resolution, this is negatively reporting on all 3 of my credit reports when its fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Equifax has dropped my credit score XXXX points! The recent changes are as follows : 1. Missed payment removed 2. Balance decrease by {$390.00} 3.Balance decrease by {$35.00} 4. Balance decrease by {$38.00} 5. Balance decrease by {$90.00} 6. Balance decrease by {$4.00} 7. Balance increase by {$53.00} I have print screens that show MANY account Balances are ZERO as of today ( in face decreased by nearly {$1500.00} in just the last few days.

Equifax is going the WRONG DIRECTION. Decreasing money owed would RAISE my credit score, not drop it! I had disputed the previous balances when they were almost all ZERO yet Equifax is not doing the correct thing. 

If I could upload Files I could show how my balances have dropped!!! 

In addition a new credit card is not appearing ( this is the XXXX ( not the XXXX ) XXXX XXXX XXXX  Please add it asap!!!
Product: Credit reporting

While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).
Product: Credit card or prepaid card

On or about XX/XX/2022, I received a Navy Federal Credit ( NFCU ) credit card of which I did not apply for, on or about XX/XX/2022 I received a credit card statement in the amount of {$7500.00} XXXX immediately telephoned NFCU to report the suspected identity theft to which they said they would look into it, they also advised that I alert all credit reporting agencies of the situation. During that call the customer service rep indicated that I complete a Declaration of Forgery/Fraud document and return to them. I completed the form and returned along with the unused credit card, the statement and sent via XXXX certified return receipt. 
I have received the XXXX receipt indicating that the documents were received however I received the next month 's statement, upon receiving that I telephoned again and explained the situation and they claim that the did not receive the documents and suggested that I send the Declaration of Forgery/Fraud via email of which I did. 
I have now received a letter from NFCU stating that legal action will be taken as this account is in arrears. I have reached out no less than XXXX times to NFCU for relief asking that this matter be rectified, and my credit be restored, and this account be removed from my name along with a letter indicating such. 
I am seeking relief and guidance to clear my name and credit of this unauthorized use of my name and information.
Product: Credit reporting or other personal consumer reports

I have submitted SEVERAL documents to request a Human Trafficking block. Immediately after making an initial complaint I received XXXX denial without a clear explanation. I have called numerous times. My documents were legitimate and followed the law. I have submitted several different documents proving my status as a Human Trafficking victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX BANK ( still reporting ) has initially been deleted, and NEXTEPFUNDING. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts
Product: Credit reporting or other personal consumer reports

in XX/XX/2023, XXXX XXXX XXXX issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
I tried to get mor information such a detailed report with no success. 
I field, 2 complains with Experian, submitting a court documents issuing a judgment in my favor against XXXX XXXX XXXX  XXXX, unfortunately the report has not changed. 
I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. 
now my credit report is messed up, which I worked hard to maintain it as good as possible. 
I am a victim of a crime, retaliation and fraudulent report.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form 1098 for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XXXX and XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon FCU offers free credit monitoring following an opt-in. However I am not trying to opt-out, and they have no method to do it. I've contacted customer service, who started a back office ticket. The back office was unable to disconnect me from credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. all information should match 100 % an it is invalid. please review all data listed on my credit report to correct my file.
Product: Checking or savings account

On the night of XXXX XXXX I was scrolling on XXXX and I saw these two girls I went to school with names XXXX XXXX and XXXX XXXX were posting on their XXXX  stories how they invested XXXX $ and received back {$5000.00} through an investor on XXXX named XXXX XXXX. In addition, I messaged XXXX XXXX because, I know her personally and I thought I could trust her in addition, XXXX XXXX claimed how she invested XXXX $ and received back {$5000.00}. As skeptical as I was I asked XXXX if it worked and if it was not scam and XXXX claimed that it was 100 % legit and so I messaged the XXXX  account XXXX XXXX and I asked her how the process worked and XXXX stated that I would just send her XXXX $ and receive XXXX XXXX So I sent XXXX XXXX $ through XXXX XXXX and XXXX stated I now owed the IRS XXXX $ for the processing of the XXXX XXXX So I asked XXXX if I could back out of this process because I felt that it was a scam and It felt wrong, so I asked XXXX if I could have a refund of the XXXX $ in addition, XXXX stated that I couldnt receive a refund due to the fact that she and her manager had already processed the XXXX XXXX So I sent XXXX the XXXX $ through XXXX XXXX and then she was demanding XXXX $ from me because, Cash app charges XXXX $ for insurance fees to send the XXXX $ in addition, XXXX also asked me to add her email address onto my XXXX  account and I told her No, that It was a scam and thats how hackers, hack into accounts. So I messaged XXXX XXXX and asked her if she did this whole process and added the email address to her Instagram account and XXXX XXXX stated that this is part of the whole process to receive the XXXX $ in addition, XXXX XXXX sent me a screenshot of her cash app of how she received payment from XXXX XXXX. In addition, I blocked XXXX XXXX and Her Manager because, I had enough and XXXX manager would not stop calling me after I blocked him and I messaged XXXX XXXX stating that I will press charges against XXXX and her manager if they contact me one more time and XXXX XXXX stated why would I do such a thing and that XXXX and her manager will press charges against me and that I will get into so much trouble due to the money I owe them. I believe what they are doing is wrong it is fraudulent activity and scamming people and what I find it weird is how XXXX XXXX a girl that I know personally and went to school with did not get scammed and yet I did. In addition, XXXX XXXX found out first that I blocked XXXX XXXX and stated that XXXX would not stop messaging her after I blocked XXXX.
Product: Debt collection

They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant
Product: Credit card or prepaid card

On XX/XX/XXXX I, the consumer and natural person XXXX XXXX, was denied credit by American Express when I applied for an American Express Green Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.12 CFR Part 1002 - Equal Credit Opportunity Act 12 CFR Part 1002.7 - Rules Concerning Extensions of Credit You are subject to criminal liability for violation 15 U.S. Code 1691 as I have proof that I was discriminated against by American Express due to the response I received in the mail. Application Ref. # XXXX American Express is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. code 1602o.

I've mailed an Adverse action letter to American Express on XX/XX/XXXX via certified mail and it was received on XX/XX/XXXX. I have yet to hear back from American Express in response to this matter.
Product: Credit reporting or other personal consumer reports

Full certified copy of all statements, all documents, all contracts, all interactions ever made with the questionable account ( s ), was requested by Equifax to provide me or delete false and misleading information. Equifax never provided me any proof and information. And went above and beyond to hurt my credit. Defaming my character to profit. This has hurt my credit at a very vulnerable time. I seek damages, treble for fraud for sham investigations carried by Equifax that surprisingly ended within hours
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We are now retired and living on a fixed income and need a loan modification. We've been going through this since XXXX and we have provided all the information they need, but they keep asking for the same paperwork over again and twice in 2 months they've sent some goons to our front door with an intimidating message to call them despite me taking all their calls. This is an intimidating mobster type move and they've done it twice. We are working with a law firm and they are having problems dealing with them. This is M & T Bank.
Product: Debt collection

" Thank you for your payment. 
XXXX, thanks for your payment! 
XXXX XXXX Congratulations, your Affirm , Inc. account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with Affirm , Inc.. 

Provided that any payment you made is not returned unpaid, we will report to Affirm , Inc. that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX XXXX account number XXXX Creditor Affirm , Inc . 
Affirm, Inc. account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called Affirm and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called XXXX and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help
Product: Credit card or prepaid card

I purchased several Netspend Visa prepaid debit cards attempted to transfer my direct payment to the bank XXXX XX/XX/XXXXand attempted to transfer money by email into the account, according to them no money showed up in the account or on the temporary card. The Permanent cards that where mailed were never given to me, never showed up in the mail.
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 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt.

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 , I request that you immediately delete this information from my credit reports. 


previous two complaint ID XXXX, XXXX