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

please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CB/NY & CO Account Number : XXXX This is not mine. 

7. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/NY & CO Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit weekly and today XX/XX/19 I noticed that my credit score for  all three Credit Reporting Agencies had DROPPED approx. 50 POINTS  from the previous week. There was NO DEROGERTY Information since  the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX and Experian were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and Experian and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX and Experian appear not to care ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical claim on my report that when I called them they do not have my information. I have tried fixing this issue with the creditor but they say there is no record of myself on their records. I have had insurance for the last 4 years and have paid all my medical dues.
Product: Debt collection

XX/XX/XXXX contacted XXXX XX/XX/XXXX XXXX XXXX in attempt to pay debt -- informed it was archived and no payment was required. 

XX/XX/XXXX receive letter from FarMar Law Group threatening legal action in regards to this account.
Product: Mortgage

My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file. 
Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building. 
Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX. 
Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance. 
I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them. 


Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )
Product: Debt collection

A company called SB Investigations is calling me repeatedly. They are not leaving identifying information for what it is in regards to. 

XX/XX/2019 a female called saying they were an investigator and have a case relating to my Dad and that I need to call immediately. ( my dad is deceased )  XX/XX/2019 a female called my cell phone and left a message saying she has a case file and I was being investigated. She then called my place of employment and when I told her not to call my workplace but to leave the details and information on my cell phone voicemail and I said thank you and hung up, she called right back and said she was sending uniformed officials to escort me out of my workplace. 

They call every few days from several different numbers and local prefixes but all have the same message of being investigated. I know there is nothing I would be investigated for. I do have debts, and I am not sure which one this is about. I have a debt consolidation company working with me. I do not understand why it has become so threatening.
Product: Credit reporting or other personal consumer reports

Applied for loans for new residence to focus on my health after being constant harassed by the builder. 
Harassed by the bank and credithirs have prevented me from opening a trust to safe guard my money after all persons in my power attorney failed to meet their fiduciary responsibilities. 
I have been battling with serious XXXX XXXX health issues and have had to submit numerous complaints and none by the banks have been completed and it's 6 months passed when assistance was requested.
Product: Prepaid card

I order an item and before I received the item I cancel the order. I tried to dispute the charge to my card, but American Express refused allow me to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online .. so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since 2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX   XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by XXXX.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have 2 homes which have never been paid late 1 car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.
Product: Debt collection

Portfolio Recovery called about a credit debit that I have no knowledge of or owe the company. 



Account Details Last XXXX of Account Number : XXXX Seller : XXXX XXXX  Merchant : Original Creditor : XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EQUIFAX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Vehicle loan or lease

In XXXX of XXXX Ally financial XXXX auto division, stop sending me bills after I ask them to validate the debt to make sure I was paying the right bill after I received ally bills with different people names on it for same amount I was paying for my car. After further investigation, loan was done in fraud and in fact they never lent me any money for the car, they actually took my application, applied it as a assets on their book entry, double book entry, then bill me for a loan that didnt exist. Since then they suspended my online payments, and made me go to XXXX in order to pay, but after couple months without current bill XXXX denied me to make payments until I received an updated bill. I told Ally about the situation every month since then, in XX/XX/XXXX XXXX XXXX XXXX was illegally repossessed with compensation. This happened a day before my child was born in which we had no way to drive to the hospital, and was forced to delivery the child at home.
Product: Debt collection

A company called XXXX XXXX XXXX has been calling me since XXXX of XXXX and making suggestions that they will take me to court over a debit from Discover Card. I have never had a discover card, nor has anyone in my family. An account from Discover has never appeared on my credit report since I began monitoring it regularly in XXXX. They have also called my wife, my daughter and my mother saying they are sending someone to my house to 'serve legal documents '. I checked with my county and there is no legal case open against me in either XXXX  or civil court, which explains why nobody has come to my house. This company is engaging in harrassment of myself, family members, and making misleading statements suggesting they are a law firm when they clearly are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Please delete ASAP.
Product: Mortgage

I have been working with Chase Bank ( XXXX XXXX ) on refinancing my current mortgage loan and feel they have deceived me into thinking my closing cost would be {$1300.00} when it actually ended up being much higher than what they told me. I have attempted to talk with them and get a clear explanation but the representative I was working with was giving me the runaround and making misleading claims trying to get me to believe it was really {$1300.00} but it was not. I have asked if they would refund my {$500.00} application fee but they said it is non-refundable which I was aware of when I started the process but I wasnt aware they would mislead me on the closing cost the way they did. I have since went with another bank. I have tried to discuss the matter with the bank manager (  XXXX XXXX ) and she said she would get back with me after our last call together but after numerous attempts to reach her she wont return my calls.
Product: Debt collection

XX/XX/2018 Porfolio Recovery called my work. Not appropriate! They constantly call and harass me on my cell phone as well.
Product: Credit reporting or other personal consumer reports

Experian has been a disruptive force in life. Im XXXX because of Experian Ive had to pay more for everything during my life. This organization needed to be overhauled. I thank this is done to minorities only. They find ways to show you a picture and then show the company that trying to obtain credit from a different picture. Im exhausted of the XXXX! The attachments clear show just how there information is not reported correctly to the consumer. Ive obtained a company to fix the incorrect items on my credit report. The only reporting bureau that reached out was experian! This further show just how improper they treat consumer! Just disgusting organization I truly believe they raised to core. 

I tried to call and email the email was rejected and the call was just talking to a AI voice that did not offer any help!
Product: Bank account or service

Suntrust Bank handles the donations that people give us for our non-for-profit. We mailed in a cash donation along with a check that had been handed to us from a donor. We mailed it as certified mail to ensure that it would arrive at the bank. The USPS has record of delivering the envelope with cash and check in it. The USPS declared after a corporate investigation that Suntrust Bank had received the envelope. The envelope with the cash and check is missing. The check was for {$2000.00} and the cash was {$500.00}. The check has since been cancelled, but the cash is still missing. My complaint is that we are out {$500.00} dollars cash, from what looks like theft while in Suntrust 's care or negligence from Suntrust by losing our deposit. Suntrust will not take responsibility for the money. Suntrust will not take responsibility for losing the envelope, the check and the cash. I have record of it being delivered to Suntrust bank by the USPS.
Product: Student loan

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT
Product: Checking or savings account

I am set to get a paid biweekly on Thursdays with direct deposit into my Capital One account. Based on this expected pay schedule, I schedule my bills which include credit card payments, medical bills, rent, utilities, and IRS payments : I scheduled my bills for XX/XX/year>, which is a pay day. However, I woke up to several notifications about my payments bouncing/returning. I came to find that I did not receive my scheduled direct deposit on XX/XX/year>. Capital One sent an email at XXXX XXXX  XXXX ( nearly 21 hours after my expected direct deposit ) that they experienced some technical issues that is delaying deposits. My pay, my way of livelihood, means of paying for medication and food- delayed with no remorse. On top of that, payments returned and I am getting charged with several hundreds of dollars in return fees and late fees. And I still have not received my paycheck yet. This is unacceptable. I dont know how I will be paying for essentials and XXXX  if my entire paycheck ( whenever that gets deposited ) is going to go into fees for a mistake that was not mine, and be reflected negatively on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found unauthorized inquires that need to be removed.
Product: Credit card or prepaid card

This is a on going problem where I asked XXXX bank for a increase on my credit card which I have had for 7 years. All on time payments and almost all my balances were paid early. Well they gave me this song and dance about me giving them all this information which they already have. I explained that after being a customer that long most banks want to raise the limit. Well this XXXX guy XXXX sent me this secure message that they dont do that. I found out accidentally at a meeting with other dav veterans that that exact bank done it for XXXX other veterans. Then in another secure message I was told by another customer service lady that they do give customers a credit increase after on time payments. I was lied to by an employee of this bank and still didnt get my increase. So I am XXXX XXXX off veteran who doesnt accept bs and I need help with this. They did have a guy from their corporate call me but he spoke so low you couldnt understand him. This happened twice I believe. His name was XXXX and I believe they were trying to play me. I am currently on hospice due to my time in service and I would appreciate someone helping with this. If customers cant depend on customer service and lies to them, what is the use.
Product: Credit reporting or other personal consumer reports

I paid of my balance, however they charged me some INTEREST FEE, without my knowledge, because I enrolled in paperless billing since my account was satisfied. Only for me to check my consumer report and notice MACYS has reported this information to a third party reporting agency without my consent and knowledge of and fees due. This is extortion and a violation of fair debt collection practices. According to 15 USC 1666b Timing of payments. Macys and their registered agents are for accurate information. This information is not accurate. I was returned a check for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not Verify any of the inquiries Information to see if they were correct in listing them on my credit report I asked them for verification ie Written Contracts or verifiable documents I was give none and told that the do not Dispute inquiries that I would have to go to the companys to do so and that is not the law they have to dispute and tell you how it was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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.

these accounts and inquires where fraud and not consented by me and should be immediately removed
Product: Payday loan, title loan, or personal loan

Hello, After signing my lease I have been in contact multiple times trying to respond to customer service and received no response to help assist with a reasonable payment plan. For several weeks I made on-time payments, then when changing jobs notified koalifi I missed a payment because my weekly paychecks were transferred to monthly checks. Instead of a reasonable customer service agent reaching out to help get me back on track, I was told my missed payment now made me ineligible for a 90-day payoff and the interest on my loan was doubled and reported to the credit bureaus. I purchased {$2800.00} of furniture and made several payments over {$100.00}. My balance currency shows I now owe Koalifi over {$5000.00} and the cost of my loan has more than doubled. This is unacceptable and under the guidelines of the FTC and predatory lending regulations. When I signed off on my purchase at the store no one explained the cost of loan would more than double and destroy my credit.