23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage took over my existing mortgage from Ocwen. In the process, they have made my life miserable by causing delays on the phone ( being on hold for up to 2 hours! ) and refusing to send funds back to repair my home from the XXXX XXXX. This is adding injury to insult because of major problems with the CA " Fair '' Plan, who have been refusing to repair damages to multiple claims in CA. 

A check was located, which had been previously issued and to be signed by my original note holder, which was Ocwen. I spent {$50.00} to send this check to PHH overnight on XX/XX/2019, and since then they have refused to send the check back. 

1. Ocwen 's ombudsman 's office had placed notes in my account to prevent this sort of thing from happening because they understood the hardship I was enduring after the fire. A check previously sent to Ocwen was signed promptly and returned to me. 
2. PHH has chosen to IGNORE the directions from Ocwen and HOLD MY CHECK INDEFINITELY because they are now asking for insurance documents. 
3. After multiple calls I was told that " their corporate office directed everyone not send my check back to me ... '' 4. I sent them the adjuster 's summary and additional document from my insurance which answered their questions, however, they continued to insist that they wanted " more '' information. 

My area was declared a national disaster and my family was displaced. Setting aside the downright bad faith and atrocities being done by the CA Fair Plan ... what PHH is doing is stopping me from fixing my home, moving forward and creating additional hardship and undue delays. 

They have threatened to send back the check UNSIGNED if they don't get what they want. 

I will send a letter to Washington in light of the National Disaster in my area so that they are aware of all the fraud, mishandling of claims, and incidents like this that are happening to people.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

The XXXX fraudulent account ( s ) appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX  on XX/XX/XXXX under the XXXX account, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, another credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account, and a line of credit opened at XXXX on XX/XX/XXXX under the XXXX account, a loan opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a loan opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, and an auto finance account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent charge-offs and collections appearing on my consumer credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

Hi all, I 'm in a limbo because I 've sent a SEPA transfer on XXXX XXXX XXXX 2017 to Coinbase account, and after verification process Coinbase said It did n't never receive it ( I have an open ticket with coinbase ). 

I have contacted my bank and it said the transfer was OK, but the amount has not sent yet to my EUR wallet. My bank is sure about the payment : was correctly done with all information required and to the right destination. 


I 've sent payment trace of the transfer to Coinbase and all was required, but my payment is disappeared!
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 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid off in XXXX of 2023 but was recently reported to XXXX, XXXX, and Transunion as open. Please update the status to show paid in full.
Product: Credit card or prepaid card

I had a problem with PayPal and Synchrony Bank. I was angry over late fees charged that were as much as the amount that I paid off in full at the time. PayPal and Synchrony Bank are colluding in deceptive practices. I paid off my " Current Balance '' and immediately closed the account. Synchrony Bank is claiming that there was a bill pending on the same day, however, that amount was already included in my " Current Balance. '' Synchrony Bank has now screwed up my credit over a {$9.00} charge that I refused to pay because it was already paid. I finally paid them that amount plus phony interest charges of {$1.00} a month on a {$9.00} balance. 135 % interest rate? I receive a statement from PayPal that shows " All Activity '' on my account which shoes {$0.00} balances nor for 3 months. This is a total Scam and it's dropped my credit score 30 points because of their deceptive practices.
Product: Money transfer, virtual currency, or money service

I was paid {$300.00} via Cashapp on XX/XX/XXXX by a close family member. I changed numbers, and could no longer access the account which the money was sent to me on, due to my old number being linked to it. I've attempted numerous times to try working with Customer Service, even connecting a sponsored verified linked account with my mother.. I've exhausted all attempts with Cashapp customer service, and they refuse to release my funds. As a new college student, the money was to be used to buy my college schoolbooks. Now I may not be able to purchase books for my first semester of college.
Product: Credit reporting or other personal consumer reports

i paid off my XXXX bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid XXXX XXXX settle for less and they for XXXX and will deleted off my report XXXX XXXX XXXX  for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since XXXX
Product: Debt collection

I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} 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
Product: Mortgage

I have a mortgage with Newrez mortgage company. They keep missing my quarterly property tax payments I have XXXX overdue from last XX/XX/XXXX and XXXX overdue as of XX/XX/XXXX. As a result I am incurring interest on my unpaid property tax as well as a detrimental credit rating. I called the mortgage company to follow up today and the recording stated that this would be resolved by XXXX! 

I have spoken to this mortgage company on XXXX occasions and they have not resolved this yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the below accounts has violated my rights : 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 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXnquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXXnquiry Date XX/XX/2021
Product: Credit reporting 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 USC 1681. 
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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Payday loan, title loan, or personal loan

I got a consolidation loan with XXXX XXXX XXXX XXXX they gave me a draft check. I tried to call and email. I made numerous attempts attempts to communicate they blocked my phone number.XXXX XXXX received my check but they said couldnt accept my payment because of the name.On the website and credit it is listed as One Blinc they are telling me Blinc loans now. I dont believe I should have to pay One Blinc because lack of communication and they causing undue stress try to XXXX XXXX will not reissue the payment since it is not listed properly on website or credit report.
Product: Debt collection

As recent as last month, I have been requesting to have an old charged off account with XXXX XXXX removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for XXXX XXXX in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.
Product: Debt collection

On XX/XX/2021 I was given a XXXX package that was delivered, no signature required. This notice was from the company who sent me a notice that clearly stated final notice, an assumption this company has sent letters previous times via, email, XXXX, XXXX or other carries. Please make note, I have only received this ONE notice and nothing more and ONLY because it was intercepted by the current residences of the address the XXXX packaged was addressed to. I was never afforded to option to dispute this account, and have it validated/verified. If I was contacted accordingly I would have had the option to dispute the account in question however now, I am being threatened with lawyers and lawsuits. I have sent this company a validation/verification letter and also, another letter stating I did not receive any initial correspondence that would indicate a new account was established with this company, I also asked for signature verification to prove I had indeed received any correspondence from this company or proof something was signed and delivered to me. For roughly a year I was living in XXXX XXXX and no mail would have been delivered to the address on the UPS package, something that was noted with anyone I was doing business with. I feel at this point, this company neglected to send proper notification to me and because of this, I was unable to dispute an account that was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, the consumer, DOES NOT give XXXX  the consent to report anything on my consumer report. I have never given XXXX  the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. XXXX  publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes via mail to Equifax to remove two 30 day late payments from a closed XXXX XXXX XXXXccount. The 30 day lates are not accurate and I wasnt late in XXXX nor XXXX. I have even chatted with XXXX XXXX on XX/XX/07 and they sent an email, stating they will follow up about the issue. The company has failed to follow up or response to the multiple disputes and Equifax has failed to response to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.