23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date. 
I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time. 
Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt. 
The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request. 
Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date. 
An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative. 
I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me. 
I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law. 

CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not recognize this enquire Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX " XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a bill for XXXX service that I did not receive. I called to disconnect service many times due to relocation/move. I spoke with several reps who told me service would be stopped ( XX/XX/2016 ). I believe my service was not stopped. Thus, I am disputing this collection.
Product: Debt collection

I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, XXXX XXXX XXXX, have been a victim of identity due to several data breaches, including Equifax, XXXX, and the XXXX  XXXX. I try to keep up with my credit report, but due to mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed there were several injuries on my credit report, including an address I never lived at and an account that is a result of identity theft and is not mine. 



These addresses are not mine, and for accuracy, my credit report shows only my living address, including where I pay utilities. My only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, LA, XXXX is my old address. I have attached my lease for accuracy and will update the credit bureau with my utility bill. 

These are not my address below. 

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- - These are not my account and it's a result of identity theft due to the data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$10000.00} these are not mine and i have no knowledge of them.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to request, pursuant to 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 receiving this complaint. 

The fraudulent, inaccurate, and false information on my report includes the following : A charge-off account with XXXX XXXX, marked as charged off as bad debt, with a balance of ( private ), updated in XX/XX/XXXX. A hard inquiry from XXXX, XXXX on XX/XX/XXXX. Collections reporting includes XXXX XXXXXXXX with the original creditor being XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; XXXX XXXX  with the original creditor being XXXX XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; and XXXX with the original creditor being XXXX, balance of ( XXXX ), updated on XX/XX/XXXX. Accounts closed and marked as delinquent include XXXX, listed as a collection account with a balance of ( XXXX  ), updated on XX/XX/XXXX, and XXXX XXXX XXXX, marked as closed with a balance of {$XXXX}, updated on XX/XX/XXXX. 

These fraudulent accounts and inquiries have resulted in several inaccurate items appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by you, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # [ your actual case number here ] as proof from the XXXX Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2020 I had a procedure to remove a XXXX from a local XXXX I did not have insurance, so I was quoted a cash price of {$900.00}. I paid the {$900.00} but then I received an additional bill for {$500.00} six months later. I asked for paperwork substantiating the bill and I was offered none. I started making payments directly to the Doctor. After I paid off the bill, I was sent a check for {$40.00} from the Doctor. So I thought that I had overpaid. 3 months later I get a bill for {$80.00} from a credit collection firm. I overpaid for my procedure and do not owe them any money. It needs to come off of my credit. You can see that I pay all of my bill sin full and on time. I refuse to be strong armed by a greedy doctor who made a mistake.
Product: Mortgage

Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.
Product: Credit card or prepaid card

This complaint is with discover. I opened the card but most of the charges on it were not made by me. They were made by my sister. I used about XXXX. The rest was not authorized by me. The woman on this case called me about it and this is exactly what I told her. It should not be at XXXX and I should not have a judgment. I didn't have legal council and their attorney practically fed me what to say. XXXX never even showed up. Also I did my block dis cover from my credit reports they have been frozen because of proven fraud starting in XX/XX/XXXX she filed taxes using my social address birth date etc. The irs proved it fraud then 2 breaches 1 in early XX/XX/XXXX fraud alert and freeze. And again in XX/XX/XXXX from the XXXX  breech. So they are all frozen until XX/XX/XXXX. Over 82 inquirie s were made to get bank accounts cellphone service tv providers and credit some went through some didn't. I have the police reports naming her the person mainly doing this to me for years. She definitely did it on my discover card. Just 2 years before the taxes I opened it. She has a lot of unmediated mental problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX a credit bureau must verify this item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX REMEX INC XXXX XXXX XXXX. We have disputed this account. 


Thanks!
Product: Credit card

I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I applied for a credit increase for my credit card with Capital One ending in XXXX. I was denied the credit increase with Capital One on the basis that they stated that my payment was returned. I fixed the problem immediately because I hold my credit to be a high priority. I then was told by the representative that I could apply for another card. I really did not want another credit card because the card ending in XXXX has a limit of {$2700.00}. I just wanted a {$300.00} increase. I then applied for the card and was approved for {$3000.00} the card ends in XXXX. 

I think that it is particularly strange that I just wanted a small increase from a card company whom I have had an account with for the past 7 years. I then have to apply for another card in which I am approved. My credit score goes down and I have more debt with the company. The combined total of both the cards are {$5700.00}. The interest rate is also higher than my first credit card which has an APR of 29.99 % I think that Capital One deliberately gave me the card in order for me to have more debt. This card is 10x more than what I asked for. I have a good payment history with Capital One and now I am responsible for more debt than I should have! I spoke with XXXX XXXX with the extension of XXXX only once. She said that should would call me back but she only emailed me once and called and left a message. Every time I tried to call her I received no answer!! Capital One states in their letter by XXXX XXXX that they reviewed my account and unfortunately, its not eligible for a lower APR or lower fees at this time. I really did not want the second card or burden. I feel I have been scammed by Capital One and they have not offered viable solutions to my dilemma!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I received an email from the Department of Education saying that under the Limited PSLF waiver, my consolidation loan 's payment count should " go up by at least 3 qualifying payments. '' On XX/XX/XXXX FedLoan servicing sent me a letter saying that they have updated my payment count and it " includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' However, the updated payment count only reflects the update from my most recent employment certification and does not include the " at least 3 '' waiver qualifying payments DOE emailed me about. 

This communication is misleading about whether they have done anything to reconcile their records with DOE 's records with respect to my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card inquiry on XXXX XXXX/XXXX inquiry XXXXUS Bancorp inquiry on XX/XX/2020
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 - XXXX XXXX XXXX  || Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Experian located XXXX XXXX XXXX XXXX, TX XXXX To Experian I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas XXXX. I am also disputing XXXX XXXX acct # XXXX located at XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and the last account is XXXX XXXX XXXX XXXX XXXXXXXX. The last one is XXXX  XXXX act # XXXX I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within 15 days of this letter. Failure to investigate and correct this inaccurate information within 15 days will result in me being forced to take legal action for damages per notice of {$1000.00} for each violation of my consumer rights. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX Date XXXX
Product: Student loan

Reached my XXXX required payments for Public Service Loan Forgiveness as of XX/XX/21. Qualifying payment count confirmed by company on XX/XX/21. Contacted Fedloan Servicing for info on when to expect my loans to be forgiven processed and removed from my credit on XX/XX/21. Was advised by agent will review account and put packet together to send to the " government ''. I will be entering a 6 month review. I asked where in writing the 6 month rule was and she couldn't provide this information. 6 months is an excessive amount of time to forgive loans already taken 13 years by mismanagement by the companies handling PSLF. I wish for my forgiveness to be approved and expedited within 60 days.
Product: Debt collection

I received a letter from Jefferson Capital claiming I owe a debt for {$1200.00} for XXXX XXXX. I never owned anything from XXXX XXXX or a cell phone. I was a victim of fraud many years ago and been trying to get these fraudulent charges off my credit report. Today I received a credit alert saying Jefferson Capital was on my credit report for nonpayment. I want this account removed from my credit report right away.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692e 10- False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Falling that, the items must be deleted from the report as soon as possible.

15 U.S. Code 1681s-2 ( aN3 ) : You did not enter this notice of dispute ; you Edit Deleted! XXXX XXXX from date you received my as disoute and occause XXXX XXXX XXXX XXXX  to your company is in volation instruccon Provide proof of this alleged item, specifically the original application, Edit contract. note or other instrument bearing my signature. XXXX that the XX/XX/24 items muss be deleted from the record as soon as possibie
Product: Credit reporting or other personal consumer reports

I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from Equifax that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the XXXX 's commitment to consumer protection and hope for a swift resolution to this issue.
Product: Debt collection

This is written notice to ceo of XXXX XXXX  XXXX XXXX XXXX that I am invoking my right of rescission pursuant 15 usc 1635. My assignment rights have been violated. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, any obligation be set off, any security interest cancelled and all money be mailed by check to the address of XXXX XXXX pursuant 15 usc 1635 in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX  XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.