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

XX/XX/2022 call through XXXX said I needed to set the account right on my credit card and they said they were from XXXX then from Bank of America Fraud dept. They told me to purchase gift cards to fix this problem. I had never heard of anything like this. They had set up a fake XXXX page that looked exactly like mine with recent transactions too. But they changed the phone number. When I called it was not XXXX at all but some slime balls in another country no doubt..I got scammed plain and simple. 
Credit cards both said they would back off the charges but then they stuck them back on as of XXXX XXXX, 2022. This will cause me some hardship to be sure ... .Liars and big corporate greed.
Product: Debt collection

i never had a contract with this debt collector. Please provide proof from the original credit that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Mortgage

Our mortgate was sold to Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX last XX/XX/XXXX. Last XXXX, I received a notice that our flood insurance was going to be cancelled due to non payment. I contacted Select Porfolio Servicing ( SPS ) and they said it was an oversight and were going to pay it. I then received a letter from them 10 days later, that it had been paid. Last week I received a notice from my homeowners insurance that they are not renewing our policy because the flood insurance hadn't been renewed. I called SPS and they said Flood was " optional '' eventhough we are in flood zone X, even though our house partially flooded in XXXX during hurricane Irma, but they didn't require it (? ). So, I contacted the flood insurance company to reinstate the policy and now due to the lapse in coverage, what was {$930.00}. a year for flood insurance will now be {$1500.00}. ( XXXX deductible ) or {$2700.00} if I stay with the same company ( {$1200.00}. deductible ). I asked last week for a Supervisor to call me from SPS, and never received a call, I'm not sure anything can be done at this point but I felt others should know about thier deceptive customer service.
Product: Money transfer, virtual currency, or money service

Please see attached document outlining the full details of the fraud incident.
Product: Debt collection

I received a collection that was filed against me on behalf of an XXXX account I had entrusted a family member with for a phone service contract back in XXXX XXXX. I was contacted by this agency, to collect on behalf of XXXX. I advised the representative that this was an account I had as a family plan and that my family members failed to make good on the account. She advised me that the total collection was {$1300.00}. I advised them that I wanted to resolve this account, and asked if they had a settlement option that would allow me to resolve this debt at a reduced cost. 
They indicated yes they did have a settlement option and that for {$850.00}, I would settle this account. I confirmed with them via a recorded line, if I pay this amount this account would be satisfied. They ensured me yes it would once I made the payments of {$850.00}. I accepted and made the payment of {$850.00}. I continued to monitor my credit and saw the collection was listed as paid and removed from my credit report. In XXXX XXXX I received calls from another collection agency indicating that I had a balance of {$450.00}, which is the difference between the original collection and the settlement amount. I contacted XXXX and they advised me they saw my account was paid per the settlement agreement. But they indicated that my settlement agreement was just with them only and not a full satisfaction of the debt. 
Settlement by definition is " an official agreement intended to resolve a dispute or conflict. '' Therefore, as a consumer I was left with the impression that this debt was resolved as per my settlement agreement with them and this was also confirmed via their recorded line. Which they have the recorded calls to confirm this. 
My dispute is ; if in order to satisfy this debt the full amount would have been due, then that is what should have been communicated with me and no alternate settlement should have been offered. I paid the {$850.00} to them with the understanding this was a satisfaction of this debt, and that no additional collections would be perused. This account has now been filed again with collections. This has again had an adverse effect on my credit that I have been so cautiously trying to rebuild since the affects the XXXX took on my credit. I fulfilled the agreement to resolve this account with XXXX. 

XXXX, XXXX XXXX and now Diversified XXXX continues to deny that I satisfied this debt. As a consumer I feel that I have been misled, falsely informed and had my credit affected at the direction of this company for an additional time. I was advised that this was a settlement for the account NOT a partial payment. This is an injustice to me as a consumer to continue to be affected by this after I paid them in accordance with their settlement agreement in exchange for what I was told was a satisfaction of this debt. I have attempted to discuss this with XXXX XXXX XXXX, Diversified XXXX, XXXX, XXXX, The Wisconsin Department of Consumer Affairs, The Wisconsin Department of Financial Institutions ; without any success. I beg of the CFPB to provide assistance with this matter to find justice for the consumers.
Product: Checking or savings account

Called bank to discuss my account for being overdrawn for a certain amount of money I had the money in the account to pay merchants and then next day I have an overdraft for considerable amount over that amount paid out the money was transferred from my savings account to my checking account to pay the merchant but I still was assessed I overdraft and a fee I don't understand how this could happen they just told me that because the merchant didn't receive the money at the time of the transfer or the day of purchase I had overdraft my account how can my account be overdraft when I had the funds in the account to pay the merchant I was overdraft twice the amount of the purchase the following day. And assessed an overdraft fee the next day
Product: Credit reporting or other personal consumer reports

after numerous rounds of me dispute the accuracy of the following accounts being reported on my credit report : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX, you have refused to properly investigate and correct the inaccuracies on these therefore violating numerous of my right.

In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit bureaus are prohibited from repeatedly reporting a charge-off as an ongoing delinquency each month. A charge-off is a one-time event, and continuously reporting it as a new derogatory mark violates my rights by unfairly damaging my credit score. This practice constitutes inaccurate and misleading reporting, which is prohibited under FCRA 1681s-2 ( a ) ( 1 ) ( B ), requiring data furnishers to report accurate information. I am requesting an immediate correction and removal of the repeated charge-offs from my credit report to ensure compliance with federal law.
Product: Checking or savings account

Money was taken from me on the wrong and interested charges was added back in 2022. That set my funds back to under XXXX dollars
Product: Credit card

Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian, and XXXX Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a debit card from Discover bank. I have never applied for or had any type of account with Discover. When I told them I did not open any accounts they said that someone had my full name, address, email address, date of birth and social security number and opened one checking account and three money market accounts on XX/XX/XXXX. The person at Discover said she was reporting this to the Fraud Department and the accounts will be locked. Today I received welcoming letters from Discover dated XX/XX/XXXX and the request to change the email address on the accounts from my current email address to a gmail account unknown to me. The fraudster changed my email address to : XXXX. In XXXX someone opened three XXXX accounts XXXX XXXXXXXX XXXX and I had to go through a similar process. I am very concerned now that this has happened for a second time and Discover told me that someone has my social security number and date of birth as well as address.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened with XXXX XXXX on XX/XX/year>, appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies.

This are a violation of my federally protected consumer rights.
Product: Student loan

Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!
Product: Debt collection

1.I have never had an account with this company I.C. SYSTEM, INC XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I.C. SYSTEM, INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Mortgage

We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at. 

According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program. 

When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX. 

According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.
Product: Mortgage

Me and my beau had a terrible experience with Nationstar in the approximate timeframe of XXXX until we were forced to sell our home sooner than we wanted to as they kept " losing '' our paperwork to submit for a refi on our loan with them ... We were so busy working and not in a position to hire a lawyer back then however I do wish we had contacted our State and US Attorney Generals to investigate the aggressive and unusual tactics/experience we had with Nationstar back in XXXX. This was after the mortgage crisis and it appears that this company was looking to keep " customers '' at a higher mortgage interest rate and making it nearly impossible to refi at a lower and more fair mortgage payment rate. Unfortunately we did have to sell our home sooner than we had wanted and with the market changes that happened shortly after we sold out, a major increase of real estate, we could not hold out for that extra year or two to delay selling where we could make the market value/sale on our home as we were looking to do. Not to mention, it felt like we were dealing with a company, Nationstar, that was acting in what could have been termed criminal ways ( based on complaints and lawsuits that have come out in more recent years since we sold our home in XXXX, Or, at the start of XXXX. Me and my beau also noticed that mortgage companies were buying and selling loans aggressively -- to the point that it seemed obvious something was going on near and after XXXX. Nationstar seemed to be partaking in this kind of buying and selling of loans as well. Very concerning and questionable tactics of business and ways of " servicing '' customers. Now that we have read recent articles and more complaints about Nationstar in the past few years, it seems beyond clear that we were defrauded and disallowed to apply and receive a modified mortgage loan that we were eligible for back in XXXX.