23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 06/30/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in XXXX  and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card

A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.
Product: Vehicle loan or lease

I am a XXXX XXXX/XXXX XXXX. I have been greatly affected by the pandemic but have still done my best and managed to pay all my bills. I made my car payment on the XX/XX/2021 for {$540.00} and GM didnt take my payment until the next day XX/XX/XXXX making my payment 30 days late.. XX/XX/XXXX the online payment site was down and for most of the day on XX/XX/XXXX as well making me have to make the payment when the system was available which was the evening of XX/XX/XXXX. At this time the system error twice causing two payments to go through to my bank as well causing an overdraft fee for returned item.
Product: Credit card

I applied for a credit card with my previous banks, but was denied. When I called the bank to inquire about the reason for the denial, they refused to provide me with any information.
Product: Credit card or prepaid card

For close to 6 months, I have been trying to have approximately {$780.00} ( frozen by Bank of America ) returned to my CA EDD Card. The funds were frozen due to rampant fraud & scammers stealing EDD un-employment money from personal accounts, here in CA. Unfortunately, my card was one of the cards that was hacked. 

I reported the hacking to BofA and had a replacement card issued, but my funds were not returned to my Debit Card. I have repeatedly addressed this with BofA Customer Service Dept 's & Fraud Dept 's on many, many, phone calls and talked to many, many different people, over the course of approx. ( 6 ) months. I'm repeatedly told to wait another week, however, I am still waiting ....

I would be happy to provide any additional information you may need. Just let me know. 

XXXX XXXX XXXX : XXXX
Product: Mortgage

On XXXX/XXXX/XXXX a foreclosure sale for the property was cancelled by a Magistrate in the XXXX XXXX in XXXX XXXX, Florida. Despite the Magistrate order for cancellation of the foreclosure sale, Ocwen took the property as theirs and the property was held as real estate owned ( XXXX ) by Ocwen on XXXX/XXXX/XXXX. There was no legal conveyance and therefore no legal transfer of legal title of property from XXXX person to another allowing Ocwen to legally take property as REO on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX the Judge instructed me to contact Ocwen directly to resolve the matter as the bank had taken the property from me and I was not able to apply for a loan modification or to sell the property. After the hearing, Ocwen 's attorney gave me additional contact information for XXXX XXXX, Loss Mitigation Supervisor at XXXX XXXX, representing Ocwen. XXXX XXXX sent me an email on XXXX/XXXX/XXXX that the property was XXXX. This was before XXXX/XXXX/XXXX foreclosure sale date when Ocwen stated they " bought the property and took title. 
Ocwen refused to return the property to me and I was evicted on XXXX/XXXX/XXXX even thought they had wrongfully taken my property on XXXX/XXXX/XXXX against Court orders. The sale cancellation documents are attached to show that the sale was cancelled on XXXX/XXXX/XXXX. When I called Ocwen Customer Service on XXXX/XXXX/XXXX to get the balance of what I owed I was told that I no longer owned the property and the property was real estate owned by Ocwen 's company called XXXX and that the only thing I could do was to re-purchase the property from them. I called numerous times and there was absolutely nothing that I could have done because Ocwen refused to put the property back in my name since XXXX/XXXX/XXXX.
Product: Debt collection

I called and spoke with a Ms. XXXX with Covington Credit Collections to make a settlement payment in the amount of {$200.00} from a balance of {$340.00}. It was agreed to payoff the settlement in the amount of {$200.00}, payment was made with a Visa Debit Card on XX/XX/2019. I later find out that It was reported to XXXX  that I owed a balance of {$130.00}. Covington Credit Collections reported to XXXX no collections, reported bad debt to an to XXXX. This company is fraudlent trying to destroyed my credit through another credit company. They will lie to you about paying off your debt as if you're making payments that I didn't agreed on. The staff is very rude to you, with very poor customer services. This was a " settlement to clear a debt owed and not make monthly payments. I also continue to call for a receipt but the company never would release it. The payment was bank drafted from my checking account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX went in person to close the account because i had tried to close it since XX/XX/XXXX. I decided to pay off early the loan since I had the opportunity to do so. I first opened the account in XX/XX/XXXX and my son was making the payments for me. Total financed {$1400.00} plus {$100.00} of origination fee plus financed charge of {$930.00} of 69.99 % for a total of 18 months, monthly payments of {$130.00}. First payment was done XX/XX/XXXX of {$130.00}, XXXX payment XX/XX/XXXX {$600.00}, XXXX payment XX/XX/XXXX {$61.00} and last payment XX/XX/XXXX {$870.00} for a total {$1600.00}. I had tried to close the account since XX/XX/XXXX but havent so because they come out with all this interest charge, So on XX/XX/XXXX went to close the account in person again and at first I was told it was {$130.00}, then {$50.00} and then it was {$200.00}. I was told because they divided payments in 12 months, those months that havent incurred interests. I read the contract and it does not say nothing about charging interest in advance and they dont let us close the account because they say we still have payment due until XXXX of XXXX, in other words they want to charge the whole interest of 18 months because they dont want to loose that amount since we are closing the account early and all I want is to save money.
Product: Credit card or prepaid card

Payment was sent through my bank on XX/XX/22 for {$700.00}. I called Comenity Kay Jewelers credit card and inquired about why my payment had not been posted on XX/XX/22, almost a month after I sent it. The operator told me he did not have record of that payment and that my account was now past due. He cancelled the late fee but told me to cancel my {$700.00} payment sent because it was never received by them. I did as instructed and the next day my payment was posted to my account with a date of XX/XX/22. Someone at Comenity found my payment after my call and posted it after I contacted the bank to cancel payment. The payment was removed from my Comenity account once the bank informed them the payment was cancelled, causing my account to reflect that I was in default. I had to call Comenity again to speak with someone who told me I am now in default and owe late fees, only to have to explain to her again like I did the previous person what had happened. She cleared the late fee but warned me that of I was late next month they would not only charge me with a late fee for that but also for this mix up on their behalf. I have bank statements to back up my timelines ( available if requested ), and I'm sure my account with Comenity will show what they've done to my account. Sounds like the goal for them is to charge me finance fees and late fees and my expense, even when I am making more than my minimum on time payments.
Product: Credit reporting or other personal consumer reports

I've submitted disputes with all XXXX major credit reporting agencies about incorrect personal information and incorrect account information and old information reappearing and accounts that do not belong to me being added. Each credit reporting agency did improper investigations and will no longer allow me to dispute and also refuse to fix the problem.

It has caused me financial ruin and the inability to access credit fairly.
Product: Credit card

XXXX ( XXXX ) consecutive and unauthorized transactions, seemingly at a gas station in XXXXXXXX XXXX, of {$150.00} and {$140.00} respectively. I previously used the card an hour before at a market near my residence in XXXXXXXX XXXX. Gemini the credit card holder will not confirm if I filed a dispute on my end, despite locking the card and choosing 'submit a dispute ' under both transactions. Concerned that the total $ will not be removed from my statement, which renews in XXXX week. The Support Team seemingly has no training or experience on how to process a dispute, issue provisional credit, and/or the timeline around an investigation.
Product: Debt or credit management

Freedom Debt Relief consumer. 

Program started in XXXX. 

My request and report began in XX/XX/XXXX As I am nearing to the end of my program, my debt numbers were not right. One of my accounts that I added to my enrolled debt with the company this account is now in collections. I asked why? They did not know. They said an account with a XXXX balance was associated with this bank. This was not my debt. The debt I was talking about that was in collections was XXXX or XXXX XXXX dollars. Increasing now due to interest. AND in collections. 

They were confused and could not give me a definitive answer. I was speaking with customer service. I was told to verify the account in collections call back a week later for it to be resolved. They told ME to call collections. They told ME to contact the bank. I hung up in disbelief. 

Why? I have paid them a service & I have to fix THEIR mistakes. I still dont have an answer and I called a week later. Customer service still confused. Said they would report to manager. I have still heard nothing. 

I am trusting Freedom Debt Relief with my debt and they messed up to the point I feel like of no return. I am considering an attorney. I have no idea how much in fees I have paid to this company based on an account that is NOT mine. I do not trust their word. This is not my debt that is enrolled to my account and I have no account associated with it. All customer service could respond with was, This is weird. 

So, I told them I am not paying them until this issue gets resolved. I keep getting notifications how a funds delay could hurt my chances at settlement. I am not at fault here. 

Today is XX/XX/XXXX.
Product: Mortgage

We Made 2 separate payments to XXXX separate Loans to Ocwen Loan Co. in XX/XX/XXXX. Both payments were cleared by our bank. Ocwen says they received the payments through their lock box system but never received the funds, so they refuse to credit our accounts. We have sent copies of the cancelled checks and all the proof they have required, but we are still getting default notices and constant harassment. We have spoken to their various departments and now trying to get them to sign a fraud investigation form from our bank so we can recoup our money and resend them our payments. We are getting nowhere. We are very concerned that this effecting our CREDIT RATING and noone will address this with us. Please Help
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXXXXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

XX/XX/XXXX - Heartland sent loan to collections XX/XX/XXXX - Heartland reported loan as default XXXX XXXX I called Heartland ECSI XXXX XXXX University , debt collectors ; all 3 companies told me they do have my loan XX/XX/XXXX - Called Heartland ECSI to discuss loan in default. Heartland told me they could not provide any documentation regarding this loan, they only send 'generic information '. Heartland did not have my current home address, phone number, or email ; I have never received communication from them. 

XX/XX/XXXX - loan sent back to Heartland from debt collectors XX/XX/XXXX - I called heartland, paid {$1200.00} to get loan out of default and in good standing. I asked Heartland for information and documentation about this, they said they do not provide paperwork. 

XX/XX/XXXX - Called heartland and XXXX university to provide paperwork, they told me to call the other company XX/XX/XXXX- Heartland report loan out of default to national database. Asked Heartland ECSI for documentation, XXXX said they sent a request to Heartland. Heartland said they did not receive request. 

XX/XX/XXXX- Heartland said they have not received request from school and can not provide documentation of loan in good standing and can not provide any other documentation for loan XX/XX/XXXX - Debt resolution group said my loan has never been reported as in default. XXXX university has not responded. Federal Student Aid told me I need to get documentation from Heartland, Heartland told me to call XXXX, XXXX told me to call Heartland. 

Start date for my new school has been postponed due to this issue and had to pay XXXX XXXX of my class fees ( {$8000.00} ) due to starting.
Product: Vehicle loan or lease

I mailed a pay off for my loan on XX/XX/XXXX with Bank Of America ( B.A.C ). I checked my checking account on XX/XX/XXXX and the check had not cleared. I again checked my account on XX/XX/XXXX and the check had not cleared. I then called B.A.C. number on my loan statement and got the XXXX office. The lady there asked where I sent it, I told her whatever is on my statement. She stated that is XXXX office. I suggested she call them and she stated they are not allowed. She suggested I call back on the XX/XX/XXXX if had not cleared. On the XX/XX/XXXX I called back because it had not cleared and authorized her to withdraw it from my account. After she did, I asked her to let XXXX to know and she stated again ( this is a different lady then first time ) that they are not allowed to contact them. She stated that since it is paid off they will not process and will tear it up. On XX/XX/XXXX, I checked my bank account at XXXX XXXX, and was shocked that the check to B.A.C. had cleared. I immediately called B.A.C. and this time was connected to South Carolina and they said that they were not allowed to call XXXX and nothing they could do but would refund the money by sending a check on XX/XX/XXXX. I immediately went to XXXX XXXX, to have them to return the check and showed them I had paid B.A.C on XX/XX/XXXX by direct withdraw. The new accounts person said she couldn't do anything. I mentioned to her under Federal Reserve operating Letters they have 24 hours to return a check. She asked the Manager and he told her that XXXX XXXX is if posted they could not reverse it. My wife and I are both retired and this type of arrogance and lack of following the law is what I thought was your purpose.
Product: Credit card or prepaid card

I instructed Discover Bank to not send me promotional offers, including balance transfers, home loans, student loans, and they do not follow my instructions. I instructed them at account opening, and again in XX/XX/XXXX after receiving promotion mail. I received promotional mail again, on XX/XX/XXXX and called again to have them remove my promotional offers. They stated that there are several departments within Discover that I need to notify to have the marketing material stop. I asked how many departments and they said they didn't know. I want Discover to delete all of my PPI ( personal information ) so that no departments within Discover have my information or are able to use it for any reason now or in the future.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to JEFFERSON CAPITAL SYST for still allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

TransUnion has sent several documents in the mail requesting specific information such as an FTC Identity theft report specifically from the FTC website. I have sent exactly and specifically what the documentation from TransUnion indicates, and TransUnion has come back three times advising that the materials sent did not meet their criteria. Ironically I have highlighted exactly what they are requesting, I have provided such materials, and TransUnion refuses to use them, leaving the two tradelines on my credit report that they know is due to fraud. I need enormous help in getting TransUnion to adhere to their policies and the FCRA and to block the accounts with the specific materials they are requesting, the adherence to the specific materials I have sent them, and to abide by the Fair Credit Reporting Act with respect to blocking fraudulent information.
Product: Debt collection

Portfolio Recovery calls constantly and never leaves a number or message. Ive talked once and asked to quantify why they keep calling me but never answer the question. 

It is irritating
Product: Debt collection

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Product: Debt collection

This account is being reported on my consumer report. I have no knowledge about this debt or this credit collection company
Product: Debt collection

This debt is not mine I never had any of this dates of service I've already try to talk to someone to get this resolve to no avail
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX XXXX  Request for Deletion of Unauthorized Late Payment Account from Consumer Report** Dear Experian Consumer Relations, I am writing to formally dispute an unauthorized account that has been continuously reported on my consumer report by your agency. I have previously requested documentation as required by law, but have not received a satisfactory response. According to the law established by Congress, this account should not be included in my consumer report. **Legal Exclusion : ** Under **15 U.S.C. 1681a ( 2 ) **, the term consumer report does not include information solely regarding transactions or experiences between the consumer and the person making the report. My transactions or experiences with your company are, by law, excluded from my consumer report. Therefore, I request that this unauthorized account be deleted immediately from my report. **Late Payment Reporting : ** I further question the legality of reporting a late payment without proper compliance with **15 U.S. Code 1666b**. This statute stipulates that a payment can not be deemed late unless reasonable procedures ensure that each periodic statement, including the information required by **Section 1637 ( b ) **, is mailed or delivered to the consumer at least 21 days before the payment due date.