23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Optimum Outcomes is continually reporting that I owe debt to them. I have requested more information about the service and dates to verify I owe the debt and they are unable to verify the information. Currently there are XXXX items they are reporting and could possibly be related.
Product: Credit reporting or other personal consumer reports

Account XXXX XX/XX/year>. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written consent.
Product: Mortgage

I sent a cashier 's check for {$21000.00} as per the request of the Escalation Department Manager XXXX ID XXXX to reinstate my mortgage loan. I called Ocwen this evening and was told the Cashier 's check was returned and there is an Active Foreclosure on my home. Ocwen stated the reinstatement is {$23000.00}. I don't understand why Ocwen could not give me a 12 month reinstatement plan for the difference. 
I have a copy of my reinstatement amount and it's actually {$22000.00} which is actually {$1800.00} difference. 
I have done everything to resolve this matter and it seems apparent that I need to file a Chapter XXXX Bankruptcy to save my home from Foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}
Product: Debt collection

XXXX XXXX XXXX placed a {$4000.00} collection on my XXXX credit report, which was purchased from Capital One. 

I have asked XXXX representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that XXXX, XXXX immediately delete this collection or face further legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 USC 681 Section 602 states I have the right to privacy.

15 USC 681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.
Product: Debt collection

XXXX ( XXXX XXXX XXXX ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.
Product: Credit reporting or other personal consumer reports

I believe My information was stolen in the data breach and was used to open multiple accounts.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX
Product: Debt collection

This company is attempting to collect on a debt that is not mine I've contacted this company multiple times to show proof with no response.
Product: Credit card

I have disputed this card through XXXX several times and the dispute always comes back with the decision to keep this account on my credit report. This card shows an open status on my account, which is inaccurate. This account has been closed for almost 4 years and the debt was satisfied.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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: Checking or savings account

At around XXXX XXXX  on XX/XX/2024, two withdrawals were made from my checking account via ATM at the XXXX location of the Navy Federal Credit Union. I reported these unauthorized withdrawals to NFCU that night and asked that an investigation be conducted to determine who made these withdrawals as my debit card was still in my possession and I had not left the house for that day. On XX/XX/2024, I received an email from NFCU stating denying my claim. No one from NFCU had contacted me to ask questions about my claim and although I asked, no information was provided to show that NFCU actually reviewed the security cameras at the ATM to determine who had made the withdrawals totaling {$480.00}. After I appealed this denial, I received an email on XX/XX/XXXX stating that {$480.00} was going to be placed into my account and that I was to respond to any contact. Then on XX/XX/XXXX, I received another email telling me that my claim had again been denied. No one contacted me to discuss my claim and again, I have no indication that the ATM security cameras were examined. NFCU failed to conduct a thorough and adequate investigation into my claim and because of this I have lost a considerable amount of money which I can not afford to lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my creditXX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still being verified as accurate. I am questioning your investigation and if you even conducted a reasonable one for the accounts mentioned in the attachment. See attachment.
Product: Debt collection

Company : Amsher Collections Services Balance : {$170.00} In XX/XX/2018 I contacted Amsher about a Collection added to my credit for XXXX XXXX XXXX XXXX. I informed them that the returned items in question was returned to XXXX XXXX XXXX via the XXXX XXXX XXXX mail services. I contacted XXXX XXXX XXXX about the items they informed me that they received the items. However Amsher is continuously reporting this to my credit. These marks are causing extreme problems to my livelihood. I am a single parent and I work hard to take care of my obligations, this mark took a 20 point drop in my credit.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX XXXX, use the services of the Regional Finance Corporation, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX. I have been asking for loans since approximately XXXX, they have lent me {$7000.00} until XX/XX/XXXX and I have been paying monthly amounts on time. different Since I started with them I have refinanced approximately 3 times, with the loans to date we have a balance of {$12000.00}, and what they have lent us, the balance is still the same. Rebreaking my contracts and I paid them double or triple what they have lent us, I also realized that the interest is always higher than when I started with them, I have contracts every time I have asked for a loan.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about this company. They stated that they sent out documentation to me but none was never received. I never made an account with this company. I recently went over my credit report and found this information on my report which isn't accurate nor made of my knowledge. So I am resubmitting my complaint because I don't believe this was properly investigated. 


I need clarification as to why you are reporting certain information on my credit report. I am aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please email or mail me this documentation other wise delete this unverified account from my credit. 

Email : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, La XXXX Thanks, XXXX XXXX
Product: Debt collection

Discover Bank, XXXX XXXX Bank and XXXX XXXX XXXX are all in violation of the Fair Credit Reporting Act and Privacy Act of 1974. Willful Non Compliance can easily be proven as I have made numerous amounts of complaints both with the company and the CFPB. Every corporation furnished on my consumer report owes me by law a Privacy Notice before they are allowed to furnish any information on my consumer report 12 CFR 1016.3, I dont hold any Privacy Notice for any of the corporations I am seeing furnished on my consumer report thats a violation and inaccurate furnishing, Also according to the fair credit Act USC 1681 section 602 a states there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Its my right to make sure my private information isnt shared which is backed by 15 USC 6801 policy of the Congress.15 USC 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and No other. In accordance with the written instructions of the consumer to whom it relates. The financial institution do not have my consent to furnish information and they do not have my written consent. Any all consent to XXXX XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is Revoked. 15 USC 6802 ( b ) ( c ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services and to top it off these corporations filled 1099 c on my account that I should have been provided which again to date I have never received a copy of the cancellation of debt making it my income these corporations are reporting against me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX XXXX has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Consumer Loan

We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.
Product: Mortgage

I learned the bank account I use to pay my mortgage would soon change routing number and account number. So on XX/XX/XXXX I initiated an early payment of my mortgage ( {$1600.00} ) to Fay Servicing for the month of XXXX. 


XX/XX/XXXX - I paid {$1600.00} to XXXX XXXX. 
XX/XX/XXXX - Fay Servicing attempted to charged me {$1600.00} ( using old bank details ). This ACH returned/failed ( due to old account ). 
XX/XX/XXXX - Fay Servicing charged my old account {$1600.00}. This ACH returned/failed ( due to old account ). Fay Servicing then charged my new account {$1600.00}. This charge went through. My bank verified it via trace # XXXX. 

I have shared all this information with multiple Fay Servicing customer service representatives and all they tell me is that they don't see the money ( that they withdrew from my account ), there is no problem, and nothing they can do.
Product: Credit reporting or other personal consumer reports

Make a validation with all of theinformation Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX  years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I dont recognize these accounts I did not authorize them and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Debt collection

I am filing this complaint because WORLD FIN CO has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Debt collection

I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for
Product: Checking or savings account

I need Marcus to call me on XXXX to unlock my account and complete my fund transfer. 

My account has been locked for over 2 months and I have tried all the ways to unlock my account ( providing the correct information- my name, date of birth, secret word, AOI, social security number ) and called them 50+ times for over 10 hours to unlock my account. It still does not work. 

They say they will call me and email me and I did not receive any phone call or email. Are they calling on the updated number XXXX or the old number XXXX? Marcus by GS please call me on XXXX ASAP to unlock my account and complete my transfer.