23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I'm a victim of identity theft. I had 3 homes with Ocwen, They are in part responsible for helping the theifs and there illegal practices, the start of the theft was XXXX XXXX of XXXX My business huge warehouse or barn where I was selling my merchandise XXXX and XXXX then they took my email over my Morgage loan company Ocwen allow unauthorized people to add them self 's as an account managers who got my email and passwords changed my mailing address I moved in with my girlfriend put a change of address in the from me and locked me out, took me 6-7 months from around XX/XX/XXXX to XX/XX/XXXX finally got them off by then all was upside down I was about 15 years into the loan interest over 7 % Also I moved in with my Girlfriend. The thesis changed my mailing address from XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX all the hard mail was diverted I did not get mail until XXXX the foreclosure on XXXX XXXX XXXX XXXX XXXX was done in XX/XX/XXXX I was in modification I called and was told to disregard the foreclosure started in XXXX and they finally finished in XXXX paid the 3 no just to find out a XXXX gallon that was have the cost of the home and payments where 25 less mean time my rental on XXXX XXXX XXXX ok was sold at auction and Ocwen subsidiary birth it back for XXXX the owed was XXXX they said it was abanded I had a renter in it never received one paper, My info was change I could have refined them i did not have leans or seconds it kept ms broke with foreclosures that are the 2 rentals my home at XXXX XXXX XXXX XXXX, ok just the other day was Refined took the home from XXXX to XXXX without a word or letter or nothing on my ruined credit with Ocwen hammering my credit score every month, XXXX my loan supervisor got me the letter that stated when the theirs where added, I could have saved all of it I had equity of XXXX all the homes in XXXX was getting ready to slow down what now? Thank you
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/2023 my card was charged XXXX for a company called XXXX. My bank was unable to give me any information on this company. Ive tried XXXX  this company and can not find them. Ive tried contacting XXXX. Theyve never heard of them. I asked them to dispute these charges, and they refused. They said that they do not reimburse or cover any transaction used by XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To officially notify XXXX XXXX  XXXX, XXXX and Experian maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.
Product: Credit card or prepaid card

on XX/XX/21 we purchased a silvery gray rug in the amount of {$390.00} from value city furniture and what was left at my front door was something totally different then the description in store ( looked nothing like what we ordered ) We contacted synchrony bank to dispute the charges to our account because this was not what we ordered. They did not do a full investigation. The documents we uploaded was a copy of our sales receipt and a photos from the tags of the merchandise that was left at the front door. Synchrony closed the case and ruled in value city favor in through this was not what we purchased
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Cashed my brothers check that he endorsed too me for XXXX check was cleared XX/XX/XXXX but funds wasnt there.called fraud didnt get no help we called irs and the institution that issued the check they cant do anything since the funds was took out
Product: Credit reporting or other personal consumer reports

I applied for a HELOC on XX/XX/XXXX with the credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) to replace a construction loan I had with them. Within minutes of the XXXX XXXX running a credit check my wife and I were bombarded with unsolicited robocalls and texts trying to sell us mortgage products. 

Here are the number of calls I received : Friday - XXXX Saturday - XXXX Sunday - XXXX Monday - XXXX Tuesday ( as of XXXX CT ) - XXXX and counting I contacted my credit union and they shared that they use " CBC '' ( from XXXX : " CBC , also known as Credit Bureau Connection , is a credit reporting and compliance solutions company. CBC also has a third party partner that credit unions use to pull credit reports used in evaluating mortgages " ) I never consented to CBC to sell my ( and my wife 's ) information to be then sold by CBC to random mortgage brokers to then harass us with scammy mortgage offers. I literally had to turn my phone off on Monday because I was getting a call a minute. CBC should not be able to sell my data like that without my consent ( I am/was in privity with the credit union , not them ).
Product: Debt collection

I received a letter from PennCredit Corperation, Penn Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX, stating that I owe {$2300.00} for 2015 Taxes in the State of MD. I have called to discuss and was yelled at by the companies representative while also being told I should not contact the IRS because they won't have the information about the debt due. I have never lived in MD not have I even visited. I assumed it was identity fraud, however the only fraud I see from research into my own social security number is that of this company associating an arbitrary debt owed by myself. As this company has a physical address and employees responding to XXXX reviews, I would appreciate it if your team can investigate the company 's legitimacy. As the company is impersonating a federal contractor, I would imagine that they have been issueing statements similar to mine nationwide and it's quite discussing. This amount of money could ruin somebody's life and cause an extraordinary amount of stress on a family struggling to survive financially. It may be overboard to say, but fraud such as this should be considered an act of public terrorism. 

Thank you, Looking forward to hearing back.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Product: Vehicle loan or lease

Everything I tried did not work I even hire people to work on it and still did not help me
Product: Debt collection

A verification letter was sent by mail on XX/XX/XXXX. The collection agency did not respond.
Product: Debt collection

5 or 6 years ago we had a personal loan with XXXX XXXX. When I became XXXX and went over 1 year with no pay. I worked with all our creditors to include a personal loan with XXXX. This particular loan I worked with XXXX until the loan was to a point they could charge it off. At that same time XXXX shared with us that not to be surprised if a debt collector buys the charge off and will do everything to collect from you. XXXX was correct a collection company named XXXX XXXX came after us. I was not aware of my rights at that time but XXXX negotiated and agree to an amount and payment plan. We set up auto payments and this went un-noticed until XX/XX/2023 when the auto payments stopped. After making some inquiry 's I learned XXXX was no longer trying to collect. Since then a new company REVCO Solutions has been threating us, sending letters and numerus spoofing phone calls. In order to dispute this with REVCO we sent them all the documents as that we had from XXXX. They replied my dispute lacks specific facts. I have called them and emailed them and now they are starting to harass us again with letters and phone calls. we feel this has turned into harassments now. 

Also I talked with XXXX and learned they have nothing to do with this. I have been a member of XXXX for over XXXX  years. I was told as they were concerned this issue was resolved.
Product: Money transfer, virtual currency, or money service

Without previous notice, Paypal sends us this email and withhold our balance of {$28.00} USD and future subscriptions payments of {$7000.00} USD for XXXX and {$1900.00} USD for the current month 's trial suscriptions. 

We have reviewed all their Acceptable Use Policy and we dont breach any of the https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full We are a legit business registered as a C-Corp in Delaware since XXXX that have had to change our business model from offering XXXX services to the Travel Industry to now offering XXXX XXXX on our own platform for small business. Al we sell is our own XXXX XXXX and services and all are legit. 

This situation is affection our business as customers that like to use Paypal to pay for our services now cant and they think that is because we dont want to let them use their favorite payment service...

We tried to contact them by phone, several calls with several reps ... none of them been able to help, so we decided to raise a claim.

Email from : PayPal You can no longer do business with PayPal ( Ref ID - XXXX ) After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason14 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts.

You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause. 

Log in to PayPal
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I mailed my FTC Report, License and police report to TransUnion, XXXX XXXX.
Product: Mortgage

I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved. 

Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved. 

Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.
Product: Debt collection

Debt isn't being reported as a repossession, also not providing me with amount after sale if vehicle. Reporting incorrect amount and auto loan opened under invalid circumstances as auto loan was provided to the initiator having only a permit and not a drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. XXXX, Equifax and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my FTC identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.
Product: Checking or savings account

I had XXXX unauthorized charges that I had disputed with chime as soon I recognized the charges I let them know and got a new card sent out after a day they denied it then I told them thats not fair because I didnt make them unauthorized charges on my account and still refused to give me my money back and in chime policy they have Visa 's XXXX Liability Policy protects cardholders from unauthorized charges made with their Visa credit or debit card, whether online or offline, if the card is lost, stolen, or fraudulently used this is unfair that chime is going against there own policy. The transactions total : {$1500.00} and was made on XX/XX/year> XXXX me transaction for {$100.00} another for {$400.00} and the last one for XXXX i didnt not authorize them charges they say do a rebuttal but lie and denies it. Then they say Im eligible for provisional credit but never give it me.
Product: Debt collection

Account ending in XXXX The above account was reported a collection/charge off and is affecting my credit score negatively. The reporting of this account is incorrect as I see a balance after it was considered a charge off. I urge you the agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows a charge off? Im pretty sure you know it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies Equifax, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Product: Debt collection

requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Product: Consumer Loan

I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST TO whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX 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 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 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 XXXXXXXX Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX if you require any further information. Sincerely, XXXX XXXX
Product: Credit card

I called Synchrony Bank regarding my XXXX account that is pasted due XXXX past due representative who never gave me his ID told me my account has been charged off when I requested to speak with a manager the call was transferred a co worker named XXXX who pretended to be a manager and refused to give the name of the first Rep and when I asked for his manager h ended the call In addition I have lost of income protection insurance which was not applied to the past due account
Product: Credit card or prepaid card

As of XX/XX/2019, 5/3rd bank has eliminated my access to online access and thus my access to paying my bills. There is no way for me to easily contact the company as they refuse to provide any type of online contact ( phone calls are difficult for me for medical reasons ). I believe this is a concerted effort to make it impossible for me to log on so the company can charge me late fees.