23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against American Profit Recovery regarding a debt purportedly owed to XXXX XXXX. I recently reviewed my credit report and noticed that American Profit Recovery is reporting this debt. However, I have never received any documentation to validate the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
According to the FDCPA, a consumer has the right to request validation of a debt, and debt collectors are obligated to cease collection activities until they provide proper validation. Failure to provide this documentation constitutes a violation of federal law. To date, American Profit Recovery has failed to fulfill this obligation. 
Due to the lack of documentation confirming the validity of this debt, I request the following actions : 1. Cease Reporting the Debt to Credit Reporting Agencies : Since the debt has not been validated, American Profit Recovery must remove any references to this account from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide Proper Validation : If American Profit Recovery wishes to continue pursuing this debt, they must provide a detailed validation, including : o The original agreement or contract with Spring Green. 
o An itemized statement of the alleged debt. 
o Proof that American Profit Recovery has the authority to collect this debt. 
I expect American Profit Recovery to address this matter promptly and in compliance with the law. Should American Profit Recovery fail to comply, I am prepared to escalate this complaint further.
Product: Mortgage

This is a continued complaint from CFPB case # XXXX. 
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.
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. 
XXXX LT- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX  Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing 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 ) Section states : 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: Checking or savings account

XX/XX/XXXX Over {$650.00} was taken from my social security payment by wells fargo to pay XXXX XXXX a loan i have a clear access checking account which if funds are not in the account it cant be overdrawn or charged wells fargo has done this numerous times overdrawing my account charging me fees allowing different merchants to charge my account even when a stop payment is placed on the merchants i dont recognize wells fargo then locks me out the system online to file disputes customer service always refuses to give me a manager or other numbers to be assisted Wells fargo freezes my account for suspicious activity cuts my card off pays whom ever they want to when they want to wells fargo fails to update my bank account charges transactions and current balances Wells fargo takes days to clear posted transactions Wells fargo takes a very long time to dispute transactions at their fault after ive made request and not authourized services My account stays in a negative balance im charged for something every month all month long I am XXXX the fees are outrageous the bank is negligent they refuse to help you when you wont give them passwords debit card numbers or pin numbers they dont file claims properly they violate my rights such as social security benefits are exempt from garnishments collection agencies and so on yet wells fargo allows these thefts to occur Its been a week and money has not been credited back to my bank accounts the credits that are refunded end up being taken by another charge and not updated properly or filed under the correct information and title im charged late fees because of wells fargo not posting payments until they feel like it it has affected my credit score XXXX XXXX charged me for a loan i didnt request plus a late fee placed a default on my name and credit accused me of paying a loan off with a different card number not on file then released another loan at the same time one was unpaid in the same week days apart resulting in more late fees as well as wells fargo allowing them to use my account to cover the loans without my knowledge ive sent corporate emails with no help in fixing the situation its numerous charges from for subscriptions i didnt request over draft fees atm fees recurring charges i never set up paying my bills two times changing dates when payments are processed that differ from the mobile app tranactions are missing on statements I need all my XXXX money returned to me inconvience fees as an accomodation my information properly updated fixed with the credit bureaus fair opportunities for credit cards applications i submitted to wells fargo but was denied because of their errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I am under XXXX XXXX XXXX for almost 2 years now. The 2 accounts from Capitol one were negotiated by the above company and settlement amounts were agreeded upon. XXXX XXXX XXXX pays them each month. The bills will be payed off in XX/XX/2019. The amount you show owed is incorrect.
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. 

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: Vehicle loan or lease

The hours of communication is unethical and harassing. Credit Acceptance Corporation representatives called before XXXX on XXXX XX/XX/year>. These hours are unethical and harassing. This is an unfair and unethical business practice.
Product: Mortgage

I have a mortgage account with PNC. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer did not send my reaffirmation papers. However, at the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by PNC. Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. PNC is not. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. I can't submit the request through PNC 's communication portal because I get a message that it's unavailable. They wouldn't accept my verbal request. I am simply asking that PNC report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with XXXX XXXX and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

XXXX XXXX acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on Experian and XXXX which is preventing me from refinancing my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about deleting negative inquiries reporting on my credit report that I did not authorize. Their customer service would not help me.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I have been working to correct my credit report for over 6 months now. Transunion is missing the records to my XXXX XXXX credit card ( my one and only credit card and oldest form of credit ). Transunion has repeatedly told me that XXXX XXXX needs to send them the information. XXXX XXXX has confirmed that they've sent the information on many occasions. Transunion has no record of anything still. After around XXXX calls with both companies I am in the same spot. Both companies blame the other and say that there is nothing I can do until XXXX XXXX sends the correct info and Transunion updates my file. I'm certain that XXXX XXXX has sent the information as I've been working with a case manager for months. Transunion has provided little to no help, will not assign a case XXXX, and has provided wrong/misleading information numerous times. Nobody is accountable there. This error is having a large impact on my life. I have no faith that this issue will be resolved. It's already been 6 months. I'm being told it will eventually be fixed if XXXX XXXX continuously resends the information. I have no idea if this is accurate or if I'll be in the same place another 6 months from now. Transunion is the only credit bureau missing my information.
Product: Mortgage

I have asked OCWEN mortgage company several times to give me a cumulative statement of what they have charged me to get my tax bill sent to them from XXXX XXXX. They tell me " send us the original bill. If you do not send it, we will get the bill ourselves directly from XXXX XXXX and then charge you no less than {$6.00}. ". When I spoke to XXXX XXXX, they tell me that OCWEN is already paying the bill so 1. why do they need to bother me for it? 2. how can they charge me for this? My bill is already escrowed. When I spoke to the XXXX XXXX, they tell me that OCWEN should not be charging me for this. I believe that OCWEN is either A. getting charged by XXXX XXXX {$5.00} which they then pass to the customer making a profit of no less than {$1.00} or B. they are not getting charged anything from XXXX XXXX ( most major mortgage companies do not get charged by XXXX XXXX because of some sort of arrangement ) and are thus profiting no less than {$6.00} from the customer 'pretending ' that they are passing on the cost of getting the tax statement from XXXX XXXX XXXX I have contacted the Ombudsman office about 10 times now about getting a cumulative statement from them to see how long they have been pulling this XXXX and ALL IS SILENT. I am entitled to this statement and entitled to getting my money back from all the tax bills they have been getting from XXXX XXXX then passing the cost on to me.
Product: Credit reporting or other personal consumer reports

Second day in a row, someone from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX pulled a hard credit report. I have never been to this location, authorized or signed anything with this business or requested anything from this business. This company has stolen my identity and illegally running credit reports daily now.
Product: Debt collection

XXXX XXXX XXXX  collection XXXX XXXX XXXX A bunch of things on my XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. Equifax requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card was not opened by my or authorized by me I have submitted my identity theft report number with the CFPB and the police report case number to the company and to the major credit reporting agencies and this still remains on my report after numerous disputes and phone calls to both the company and the bureaus I need this removed IMMEDIATELY it is affecting my business credit and personal credit scores IMMENSELY and have suffered compounding problems and fees from this and not to mention the loss of available credit for me and my my business
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XXXXXX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Product: Credit reporting or other personal consumer reports

I sent out dispute letter to all XXXX credit bureaus on XX/XX/2024. These original creditors have inaccurate information on my credit report and have failed to respond within the XXXX day requirement.
Product: Debt collection

H & R claims I owe {$500.00} never did any business with company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using XXXX for a while now and originally I received a line of credit of {$2000.00} but come to find out in XX/XX/2020 they decreased my credit line from what seems to me like no reason. The only answer I received from customer service is that the bank told XXXX to decrease my credit line based on my credit history mind you I maintained a positive historical balance with XXXX. Instead of making the determination based on just my borrowing power from XXXX, I was informed that the bank looked at all of my credit history to determine a decrease of my credit line. What doesn't make sense is that I've had the credit utilization at less than 60 % in order to continue building credit history. All of a sudden my credit line got decreased which seems to me is for no appropriate reason other than that I am a risky borrower which based on my payment history has been more positive than negative looking at my usage with XXXX. So since XXXX is under new management of a new bank beginning in XX/XX/2020, I was told all my historical data with XXXX does not count except starting from XX/XX/2020, which is also setting up consumer 's for failure because the whole idea of leaving an account open is to improve credit history not get reset every time a company is under new management. Please help.
Product: Prepaid card

I will submit 2 complaints, one for each pre-paid Amex gift card. 
1 ) Ends in XXXX, balance {$1600.00} 2 ) Ends in XXXX, balance {$2500.00} In XXXX, I received two {$2500.00} American Express gift cards ( prepaid business gift ) in leu of an awards trip through my employer. 
I was able to use the first card ( ending in XXXX ) one time at a hotel on XX/XX/XXXX. I was unable to use the card after that. Working with AMEX, I was able to have restrictions removed and made another purchase on XX/XX/XXXX to purchase a ski pass at XXXX XXXX XXXX XXXX. Now the card is not working again. There is a balance of {$1600.00}. 
The second card ( ending in XXXX ) has never worked. It has a balance of {$2500.00}. I tried using it to make a purchase at a hotel XX/XX/XXXX, on XXXX in XX/XX/XXXX, in-person at XXXXXXXX XXXX store in XX/XX/XXXX, and in-person at XXXXXXXX XXXX appliance store XX/XX/XXXX. 
I spoke with a customer service representatives several times. They said the cards should work if I used the cards in-person. They do not. 
I had the company send me replacement cards in XX/XX/XXXX, hoping that would resolve the issue. It did not. 
On XX/XX/XXXX I called Amex again because I was trying to make an in-store purchase at an appliance store. The AMEX customer service representative said it must be the magnetic strip ( on the recently replaced card ) and recommended replacing it a second time. I do not believe that is the issue. 
I am tired of not being able to use my cards. The AMEX site says they can be used anywhere AMEX is accepted. This is not the case. I would like my money please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my le resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit le that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me.XXXX XXXX
Product: Checking or savings account

Hi, on XX/XX/XXXX i made with JP Morgan Chase my bank a wire transfer to XXXX using XXXX  payment. This are 5 single wire transfers of the amount of {$5000.00} each. i have a business company in the XXXX where i created 5 orders for those transactions with a contract. The wire left my bank on the XXXX of XXXX. I did ask the bank associate if my bank would support and execute the XXXX transfer ( XXXX XXXXXXXX XXXXXXXX XXXX  ), the associate could not answer me my question but telling me as long the swift code will appear everything should go smooth. I waited for 5 business days and than contacted the company in the XXXX if there had receive my funds which was denied. On XX/XX/XXXX i did visit my bank to find out what happen to my wire. My associate made a phone call being connected 3 times ( assuming involving banks for the transfer ) and than letting me know the wires where completed. After that i did checked for more than one week with the company in XXXX and there receivers bank if my funds are arrived and there did NOT. On XX/XX/XXXX i visit my bank again to ask where my wire fund are, no answer and no responsibility taken. On XX/XX/XXXX i went back again very disappointed and one of the associate started making copies of my wire contracts and sending those to the wire tracking department. On XX/XX/XXXX i had to make a call to chase costumer service after not hearing back anything for the wire tracing, the associate told me i can request a wire recall and 2 days later the first wire of {$5000.00} did came back to my account, i was happy to see this happening after 2.5 weeks not knowing what happen. So i was thinking the rest will just come in in the next days and after 3 days not receiving any of the other 4 wires i had to call again, the associate told me i only requested one  wire recall which is not correct, i requested all 5 wires. So than i requested all 4 outstanding wire funds for a recall. I received the 2nd wire 2 days later and since than up until today the XX/XX/XXXX nothing more came back in. 3 wires are still missing. I did write an e mail to the CEO of chase and received a call on XX/XX/XXXX from XXXX XXXX executive department, she assured me to look in to this case to see where my 3 remaining wire are. Today XX/XX/XXXX i did not received a call back nor did i received my XXXX missing wires of each {$5000.00} I need help, also i lost so far {$5000.00} in business with my company in the XXXX.
Product: Student loan

This company send to credit buroe 4 different accounts with different balances and late payments when I did't knew they have this many accounts of me