23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee
Product: Mortgage

My home has been illegally foreclosed in Sheriff sale by Ocwen Loan Servicing LLC. Since the XXXX of my husband in XX/XX/XXXX, I have been trying to apply for a loan modification but no one in customer care at Ocwen would help me. Since his passing and because he was the bread winner, I have been in distress and had difficulties paying my mortgage payments. However, not enough to warrant a foreclosure on my home of over 20 years! 
In XX/XX/XXXX I sent Ocwen {$3000.00} of the {$4600.00} dollars that they stated that I was in arrears. They sent it back to me and would not work out a repayment plan. I was not informed and had no knowledge that the foreclosure process had started on my home. I found out this information from a third party by the name of XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX, this is the company that I attempted to hire defrauded me out of {$2800.00} because Ocwen refuse to assist me with the reinstatement of my mortgage. Ocwen customer no service and negligence has cost me and my family financial harm and health problems because of this situation. When I call them it takes several hours to finally talk to someone and then find out thats the wrong person to speak with about your issue. It takes weeks and months for them to return phone calls! 
The Attorney XXXX XXXX XXXX hired by Ocwen never notified me of any foreclosure proceedings on my home and ultimately sold it in XX/XX/XXXX. This is not the first time that Ocwen has illegally foreclosed on our property, it happened in XX/XX/XXXX as well. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

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

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for, I have brought 2 vehicles from JPMorgan Chase Financial Group. They were timely payments. In fact, one vehicle was paid in full. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Exactness. I have never been late on payments for the account : Chase : XXXX. 
I made the Payment on XX/XX/2023 and Chase reversed the payment, independent of my knowledge According to customer service there was an error in processing, -most likely a typing error. 
Moreover, I was never notified of an error in processing the payment. My Credit score dropped XXXX points in one day. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 


Fair Resolution! 

I request Chase Update the account to Pay on time and never late. Or remove it from my consumer report. 

Best Regards XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo has incorrectly marked my XX/XX/XXXX personal Credit Report as 30 Days late for XX/XX/XXXX. My statement date ( which is supported with credit card monthly statement ) clearly shows the statement dates of XX/XX/XXXX to XX/XX/XXXX. 
- The payment while late, was received on XX/XX/XXXX in the amount of XXXX, which covered the past due account. I was justly charged a past due late fee, but the payment was received exactly 28 days late. Not 30. Therefore the it is inaccurate and must be removed. 
- My payment Due date is not my statement billing period. Statement Billing period determines the credit reporting days of delinquency. I have attached my monthly billing statement for your review. 
- Please review the account, as a mere count of the calendar days will show the error and quickly resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter to inform them of identity theft on several items that I found on my credit report. I included the Consumer Fraud Report to the FTC and a police report. 

XXXX account ( XXXX  ) was removed and that was because the company actually requested the removal. 
It is my understanding pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Equifax FAILED to do so. 

Ive included the original letter sent to them, Police Report, FTC Reports, a copy of credit report of the XXXX accounts, a copy of the personal information with info highlighted, as well as the inquiries with the fraud items highlighted..
Product: Debt collection

On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
Product: Debt collection

I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX. 

I have sent notice to the original creditor on XX/XX/17 and have not recieved a response. 

XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation
Product: Mortgage

My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance XXXX {$120.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Product: Credit card

On XXXX, I received 2 debit cards with my name by mail, I have never open account at Well Fargo. I went to Police, Social Security office, and Well Farge near my house. Well Fargo staff helped me claim on XXXX and said hold for investigation. They close 2 accounts, but refused to close the 3rd credit account under my name. I have mail in a reconsideration a week ago but they claimed that they don't have it. I called many times to Well Fargo but it is still unresolved. Recently, It has greatly affected my life. My credit score decreases. I need help.
Product: Payday loan, title loan, or personal loan

The reason I am making a complaint about Blue Trust Loans is because I NOW know they are a " XXXX XXXX XXXX '' company, so they can escape state usury laws. I borrowed {$1500.00} from them on XX/XX/2018, and TRIED to make a {$300.00} payment a few days later to lower my interest, but they refused to take my payment. I have to wait till XX/XX/2018, and arranged to pay {$1200.00}. 

THEN on XX/XX/2018, I will STILL owe {$800.00} PLUS {$270.00} interest. So for a {$1500.00} loan, within a TWO MONTH period I will be paying back a total of {$2500.00} -- over a THOUSAND DOLLARS in INTEREST!

I let Blue Trust loans know exactly what I thought of them, and I have no doubt that THEY are the ones who sold my phone number -- I now receive twice hourly calls from area code XXXX. I keep blocking each phone number as it calls me, but I get another nuisance call from a different phone number out of area code XXXX. I am going to have to change my home phone number thanks to these crooks!
Product: Debt collection

I've carefully reviewed my recent credit report and found a number of unauthorized accounts that I believe were added fraudulently.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, and this is the only name that should be on my credit report not any other name. 

Also my only address that should be on file is XXXX XXXX XXXX XXXX fl XXXX. There should not be any other address on file.
Product: Checking or savings account

On XX/XX/XXXX a company only identified as A fraudulently charged my account for {$150.00} and another charge from the same company on the same day for {$55.00}. I complained and they said they would investigate and block the company. After that the transactions didn't show up on my account. Which then I was told that they couldn't find those transactions. I don't know where they went. On XX/XX/XXXX I again was charged {$55.00}. I again complained and somehow that transaction disappeared as well. I have gotten nowhere since XX/XX/XXXX with Chime.
Product: Debt collection

XXXX is continuing to aid in reporting misleading and incorrect information on my report causing harm and removing the data.
Product: Credit reporting or other personal consumer reports

EXPERIAN now under XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

I am a hurricane Ian victim and my loan is currently on a forbearance program ending this month. My interest only loan was on hold with no additional interest or fees. I received my statement on XX/XX/2023. I called multiple representatives and was on hold countless times. The forbearance monthly payment total doesn't add up correctly. There are additional charges added which are not itemized on the statement. Today I spent more than XXXX hours on the phone with multiple SPS servicers XXXX, XXXX and others, who weren't able to adress my question in this regard. The last supervisor XXXX XXXX promised to call me back on Monday with the explanation. Also as a hurricane victim my XXXX hazard insurance was legally binding and active regardless that I missed my last quaterly payment of {$810.00}. 
I found out that SPS paid my hazard insurance bill on my behalf without my admission on XX/XX/XXXX and told that they added this charge to my escrow. I sent a request to remove my insurance payments from my escrow as I need to control my financial obligations myself.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Equifax for Improper Reporting of Child Support Obligations I am filing a formal complaint against Equifax for the unlawful reporting of child support obligations on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). I demand that these entries be removed immediately. 
The inclusion of these accounts is not only inaccurate but constitutes a blatant violation of the FCRA. According to 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), a consumer reporting agency may only furnish a credit report for a permissible purpose. Child support obligations do not meet any of the defined permissible purposes, as they are not tied to voluntary credit transactions. 
Case Law Violations : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ruled that only debts arising from voluntary credit transactions qualify for reporting under the FCRA. Child support obligations are court-mandated and not initiated by the consumer, thereby falling outside the permissible scope of credit reporting Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court confirmed that child support obligations do not qualify as valid grounds for credit reporting, further emphasizing that only debts linked to consumer-initiated financial activity may be reported. Consumer Privacy Protection : Moreover, 15 U.S.C. 6801 emphasizes the necessity of protecting consumer privacy, stating that personal financial information should only be used for permissible purposes. Equifax 's reporting of child support obligations without a valid credit transaction is a direct violation of these privacy principles and exposes me to undue harm.
Product: Debt collection

I have disputed these accounts multiple times and I still have received nothing at all from Simons Inc. They are required by the laws, FDCPA and FCRA, to provide me with proper notifications and disclosures which I have never received. They have violated the laws that govern them, you are the proper arbiter. PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  I called this company no response.
Product: Debt collection

I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .