23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was behind in my mortgage the amount was roughly XXXX. In XXXX XXXX I requested a reinstatement quote. I received the reinstatement quote from Ocwen Mortgage and paid it early. In XXXX of XXXX I get my payment statement and reflects that my payment has increased by {$500.00} due to foreclosure fees. I was advised that after I paid the reinstatement quote Ocwen notified the foreclosure attorney that all was now good and the fc attorney then sent a bill for the services which in turn Ocwen passed onto me. I advised Ocwen that what they had done was fraudulent and illegal. I filed a complaint for this to be escalated within their servicing area. On XXXX/XXXX/XXXX I was called by Ocwen explaining that they had investigated the matter and found the {$500.00} to be a valid charge and I must pay it because of the foreclosure. I advised the rep that this was illegal, that their was never a Notice Of Lis Pendens filed. I also disclosed that I do this kind of work for a living and new exactly what the law stated. I advised that they were in violation of the FCRA, The CFPB, The Frank Dodd Act and a whole host of other violations. I explained over and over again that the Ocwen never filed a Notice of LP. They then told me that due a township ordinance it was my responsibility to register that my house was in foreclosure. Once again I explained to them that they never did their due diligence and their was n't a foreclosure filed. They have lied to me, they have attempted to defraud me and they have cheated me. I would like them investigated and I would like them punished. If they are doing this to me and I know what the law is imagine what they are doing to unsuspecting consumers.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

After many attempts to log in to my TransUnion account, all attempts failed. TransUnion website will not acknowledge my password or recognize my SSN. I was directed a TransUnion chat line. : Ii spent over an hour and all the energy I have as a XXXX patient and older person. Transfer me to US continental customer support with All I want to do is change my Transumion password with an English speskimg person.

I'm the US
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I have/had account ( s ) with PNC Bank, some for 25+ years & others current accounts. For some reason they have closed them. They tell me to go to my bank account disclosures. This makes no sense to me. I maybe " being '' discriminated against by PNC Bank, I do n't know?
Product: Debt collection

Upon reviewing my credit profile I found a company, Portfolio Recovery Associates listed on it. I DO NOT recognize this debt or the amount they claim I owe and therefore, I immediately sent that company a debt validation letter on XX/XX/2021. Because I sent the letter certified, I am able to see that they did receive it on XX/XX/2021. They mailed me back a copy of a statement balance showing NO ORIGINAL INSTRUMENT OF INDEBTNESS such as an original signed contract, a balance sheet from {$0.00}, or the terms and conditions of the alleged debt. 

I mailed a 2nd Validation letter to the collection company, Portfolio Recovery Associates, yet again asking them to validate the debt and they responded with the same documentation.

This is defamatory to my credit profile and the lenders that may potential view this as negative. Additionally, this is against the FCRA to continue to report UNVALIDATED debt on my credit.
Product: Debt collection

In XXXX of 2013 my wife and I moved out of XXXX XXXX XXXX after successfully completing our 8 month lease. Recently while attempting to qualify to purchase a home, we were informed that there was a collection account on XXXX of our credits that was derived from our lease with XXXX XXXX XXXX. Somehow after we moved out there was either a miscommunication or a huge mistake on someones part because we left XXXX XXXX in good standing. We had no idea that we would have this account in collections because we were never informed that we owed anything to XXXX XXXX. The collection agency that owns this " debt '' is ProCollect out of XXXX TX. When we submitted a request for proof of debt from ProCollect, they mailed us paperwork that included entirely false information. They claim that we owe {$320.00} from an outstanding balance with XXXX XXXX, however, their paperwork does not match our original paperwork. Thankfully we have held on to our deposit receipt from our move-in to XXXX XXXX which shows that we paid a much larger deposit than what ProCollect is claiming we paid. ProCollect claims that we paid a {$500.00} deposit, however, our deposit receipt states that we paid a {$980.00} refundable deposit. The information that ProCollect sent us is absolutely false and manipulated. We have gone to XXXX XXXX in person and they validated that the deposit receipt we have is authentic. We have also attempted to contact XXXX XXXX numerous times which was who managed XXXX XXXX when we lived there. We have not been able to get in touch with XXXX XXXX but we are certain that they would also agree that ProCollect is being deceptive in their attempts to collect this " debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and CREDIT COLL ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

My Bank of America checking account of 20 years suddenly included a XXXX XXXX  monthly fee beginning in XX/XX/XXXX. I only discovered the fee in XX/XX/XXXX. Called the bank and took 1-1/2 hours to learn that my checking account was a type that had " no fees '' if I met criteria for combined balances across all accounts. There was a very long grace period if I didn't meet the criteria. I asked to change to another account type with a lower fee, but was told if I do that, I will then have additional fees added to my linked savings accounts at the same bank, which would cancel out the savings on the first account. Seems like I'm stuck -- and most importantly, I can't find any record of the bank informing me of these requirements or the changes to my fees. I feel like i should have been warned. I also asked to have the fees from 8 months ( {$200.00} total ) refunded. B of A only agreed to refund two fees ( {$50.00} total ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies, Inconsistent Late Payment Reporting, and Missing Data reporting under payment history account # XXXX  # XXXX Dear Experian, I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. Please explain how you conducted your investigation to determine that this account is verified as accurate. Did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account was opened on XX/XX/XXXX, and under the payment history, this account is reporting NO data through XX/XX/XXXX to XX/XX/XXXX, also through XX/XX/XXXX to XX/XX/XXXX, and through XX/XX/XXXX to XX/XX/XXXX. This account was fully active and should have been reporting data during those dates. Experian, please provide me with information on how this account is reporting accurately when they did not report any data under the payment history while the account was active. 
Additionally, there are no 30 to 90 days reported late leading up to the 120 days late that you are reporting. This information is inaccurate and inconsistent. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, the furnisher has violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information if they know or have reasonable cause to believe that the information is inaccurate. By failing to report any data under the payment history for the above dates while the account was active, the furnisher has breached their duty to provide accurate information. 

I demand that you conduct a reinvestigation and delete this inaccurate account from my credit report. Experian, you have failed to conduct a proper investigation as required by law. 

Please provide me with a written statement detailing the results of your reinvestigation, including the method and procedures used to verify the accuracy of the information. If you can not verify the accuracy of the disputed information, you are required to delete it from my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

LVNV FUNDING LLCXXXX Transunion has not done a proper investigation according to the standards of the FCRA XXXX I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet XXXX XXXX Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of XXXX 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX Certified Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. 

This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. LVNV account has already been removed from XXXX and XXXX. This account does not comply with XXXX XXXX compliance and legally can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

US Bank Relicard services does not have a way to report that the card I received is from a fraudulent unemployment claim. The phone tree kept trying to get me to activate the card even when I called and selected the fraudulent claim department. When I was finally able to get to what seemed to be the place to report a fraudulent card, it put me in a wait to talk to a human -- - The wait was hours long just to report fraud! Meanwhile, someone could be out spending money unauthorized! 
I called on XX/XX/2021 and spent a half hour just to get through the waiting tree and called three different times on both of the numbers provided by the DC Department of Employment Services.
Product: Mortgage

Evergreen Home Loans ( EHL ) required me to submit payments as money orders for a series of months, so I have been submitting payments using USPS money orders and Priority Mail Tracking. The XXXX payment was mailed on XX/XX/XXXX and was delivered to EHL 's po box on XX/XX/XXXX, but they lost my payment and proceeded to send me delinquent account notices and assessed a late fee. I have been in contact with them by phone for about 2 weeks since receiving the delinquency notice and they were given both the USPS tracking number and the money order numbers ; they told me they would call me when their cash department located my payment, yet haven't followed through on their own 72 hour timeline twice now. Today, I was told if I submit my XXXX payment they will only use it to cover the XXXX payment that should've already been applied to my account. This XXXX payment included extra money to the principal and was a total of over {$2400.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill. It's legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inactions violated federal law and my rights as a consumer.
Product: Debt collection

I opened an account XXXX years ago. When I opened the account I was offered a discount of 20 % off every bill because I am a XXXX Veteran. I did n't ask for it and never knew about it until it was offered by the manager. I showed my Veterans ID and oppened the account. I never once received the discount. I called monthly and was always promised retroactive credit which I never received.I finally decided to change carriers. I think the final bill was about XXXX. I received a bill for XXXX. I have tried to contact XXXX for copies of past bills but they have been totally uncooperative. I am not refusing to pay, I am disputing the amount owed. They have given it to collections before and I have been successful in having it removed from my credit report. It has again been reported to the credit bureau XXXXI would like to have it removed until sprint at least makes an effort to correct their mistake.
Product: Debt collection

I was in an auto accident in 2021 and was taken to XXXX XXXX XXXX. I had both auto and health insurance at the time. The hospital sent in all of their bills and was paid in a timely matter. The ER Drs. and XXXX XXXX Drs. are contract Drs. and they never sent their bills in to the insurance company's.. I assumed everything was paid and taken care of. After more then XXXX years later I received a letter and phone calls started coming from XXXX collections. I explained to them that I had insurance and wasn't sure what had happened but would find out. I called my insurance company and after a lot of searching they said they had never received a bill from them. The insurance company called GLA with me on the line and explained to them that I did indeed have insurance and if they would give them the information they would process the bills and pay them. XXXX collections told the insurance company could NOT pay them and that it would be my responsibility. they tried several times to get the information so they could pay it. I bought a membership through XXXX to dispute it and after several months now there has been nothing done. I don't feel like these are my responsibility due to the fact that no bills were sent and after more the 3 years I was turned over to collections. Also the fact that my XXXX company had tried to pay them and was told they couldn't. I feel like I am at the end of my rope with this. Please contact me at XXXX or my cell is XXXX Thank you XXXX XXXX
Product: Mortgage

Mortgage company will not release escrow payment for repairs on my home. Check was made out to me and the bank, and the bank is refusing to release the funds for no good reason.