23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have provided XXXX with the information that XXXX XXXX is reporting a false debt on my account. I provided the evidence to them. 

Trade Station who was recently fined and under federal investigation claims I owe them money.

My bank investigated the matter and I won the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Name on the report has been notified as incorrect and XXXX as well as, Equifax has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their report.
Product: Mortgage

Ocwen Loan Services, was my original mortgage company until they transferred me to PHH, XXXX c/o PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. 
When Ocwen transferred my account to PHH Mortgage, they added an additional {$120.00} dollars to my mortgage payment without notifying me of the additional money. I called PHH and ask why my mortgage increased. They sent a letter stating that Ocwen added that amount because of property insurance. 
I told them that I have property insurance and flood on my house already. I had insurance last year and for some reason the company dropped my policy and did not notify me. Ocwen sent my an agreement that I could pay for the last five month on installments {$26.00} of the approximate {$370.00}. I agree and began adding {$26.00} every month in addition to my regular mortgage payments. But when they transferred me to the new company ( PHH ) they told me, Ocwen said, the extra {$120.00} would for my escrow account. I told Owen I never had an escrow account because I pay my own taxes and property insurance for the 21 years I live in my house because I could manage my fixed income ( VA XXXX and Social Security when paying my bills. I continued to send the mortgage payments to PHH the amount I usually would send {$500.00} minus the {$120.00}. 
I asked Ocwen to send me a statement of how much I owed the from last year when the property insurance was dropped, they sent me a bill for {$1400.00} for five months. 
The last property insurance company dropped my account onXX/XX/XXXX and I was transferred to PHH XX/XX/29, I sent my mortgage in every month by money order and to PHH that I have not received any statement from Ocwen on what money was due for the last five months. Now Ocwen is documenting on my credit report that I have not paid my mortgage any of it, so I couldn't refinance or modify my mortgage with anyone else because of my low credit rating. This kind of harassment has to stop Ocwen is over charging me for the property insurance agreement that we had They are placing false information on my credit report, and trying to force me into an escrow account that I don't need or want. Please look into this situation to clear up this matter amenably Thank you for your assistance Reply, Reply All or  Forward Send
Product: Credit reporting or other personal consumer reports

For over a year Experian has refused to update and correct my credit file The information that they have on their site has not been updated since XXXX of 2023 They also refuse to allow other companies to get my credit file Everytime I apply for something the company states that they can't get my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Please be advised Bankruptcy could not be verified due to the court not reporting and or transmit bankruptcy court records or other information to credit agencies. Please see attached document.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Equity Auto Finance Inc., outlining a series of concerns and potential violations of consumer protection laws. I trust that the Consumer Financial Protection Bureau will thoroughly investigate these matters and take appropriate actions to address any potential misconduct. 

Summary of Complaint : 1. Unauthorized Repossession : Equity Auto Finance Inc. repossessed my vehicle, XXXX XXXX XXXX, on XX/XX/XXXX, without proper adherence to Florida Statutes, Section 537.013, governing title loan agreements and repossession procedures. 

2. Lack of Compliance with Florida Laws : There are indications that Equity Auto Finance Inc. may have violated various provisions outlined in Florida Statutes, Section 537.013, specifically., ( a ) Falsifying entries in a title loan agreement; ( k ) Refusing to accept partial payments ]. 

3. Failure to Respond to Correspondence : Despite multiple attempts to communicate my concerns and seek resolution through formal letters, including a Notice of Intent to Redeem and Demand for Vehicle Retrieval , Equity Auto Finance Inc. has not provided satisfactory responses. 

4. Potential Violations of Consumer Rights : There are concerns that Equity Auto Finance Inc. may have infringed upon my consumer rights, including the right to fair and transparent dealings, the right to redeem the vehicle, and the right to partial payments as outlined in relevant Florida laws. 

5. Request for Investigation and Remedial Action : I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the actions of Equity Auto Finance Inc. and takes appropriate remedial actions if violations of consumer protection laws are found. 

6. Desired Resolution : My primary goal is to seek a fair and just resolution to this matter, including the proper release of liens, the return of my vehicle, and any necessary corrections to the title loan agreement. 


I appreciate the attention of the Consumer Financial Protection Bureau to this matter and look forward to a prompt and comprehensive investigation. 

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

I have tried several times to send disputes to XXXX and it always returns as verified. I got into car payment with XXXX XXXX XXXX and my bank being XXXX XXXXXXXX and vehicle was XXXX XXXX. I had that vehicle for about XXXX before I traded it in for a newer car being XXXX XXXX XXXX. At some point, my bank was changed from XXXX to XXXX XXXX XXXX  and because of that, the XXXX should be paid off because it was traded in for a new one but then XXXX reported the account as XXXX. How do I have a repo and same bank issued me a car? It dont sound about right as I have XXXX XXXX XXXX  accounts sitting on my account. Attached is document from XXXX XXXXXXXX XXXX showing as my bank and car name information. Also attached is document which XXXX presumed XXXX XXXX XXXX was paid off when it was really not paid off but transferred to newer bank. I have tried submitting several disputes including CFPB and it always comes back as verified. This is false as its not. I will be attaching documents to show XXXX XXXX XXXX  was my bank for XXXX XXXX XXXX. I have tried to have them submit verification but I never receive no verification from this so called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft Capital One {$1800.00} XXXX XXXX  {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a {$130.00} balance and saying being reported accurately. This is not true. Two times I filed a dispute with trans union both times they reported information being reported accurately there is a balance of {$130.00}. Twice I have spoken to the creditor XXXX XXXXXXXX and they assured me they reported to trans union this is paid and XXXX balance. But trans union claims there reporting this accurately.
Product: Credit reporting or other personal consumer reports

Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : XXXX, Equifax and XXXX I have previously notified your credit reporting agency in reference to two XXXX XXXXXXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.
Product: Money transfer, virtual currency, or money service

I was looking online to purchase a XXXX puppy. On XXXX, a listing came up entitled, " Teacup XXXX  Puppies For Sale - Home XXXX. '' I went to the site and it led me to their XXXX page which displayed puppies being purchased and shipped around the United States. I began a conversation with them ( through Messenger ) and they sent me three photos of 3 different puppies available to purchase. I picked one and asked about shipping the dog to me and she said as soon as I paid they would forward me the tracking information. They provided me their XXXX email and I forwarded {$620.00} to them. I did not hear back anything for several hours ... so I immediately contacted USAA bank to file a dispute and see if they could reverse the money sent. 

I have filed a Complaints with the Internet Crime Center, the FTC, and XXXX. 

I contacted my bank, USAA, on numerous occasions and no one ever contacted me, despite being told several times that someone would call me to discuss this matter.
Product: Debt collection

received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I applied for a business auto loan through Chase Business Loan Center ( XXXX ). The loan was processed and assigned account # XXXX under JPMCB AUTO FINANCE. Every communication, including loan application and processing, was conducted through Chase 's business division, clearly establishing this as a business obligation per 12 CFR 1002.2 ( g ) of Regulation B.

The loan was improperly reported as a personal obligation on consumer cre
dit reports, violating multiple sections of federal law : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : Violation of 1638 ( a ) - failure to provide proper disclosures regarding credit obligation nature Violation of 1637 ( a ) - failure to clearly distinguish business from consumer credit Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Violation of 1681s-2 ( a ) ( 1 ) ( A ) - furnishing information known to be inaccurate Violation of 1681e ( b ) - failure to follow reasonable procedures to assure maximum possible accuracy Timeline : XX/XX/year> : Chase Business Loan Center requested business documentation XX/XX/year> : Loan processed through business division XX/XX/year> : Account incorrectly appeared on personal credit report Present : Continues to report inaccurately Documentation shows : All communications through Chase Business Loan Center Business documentation requests Business designation and " all rights reserved '' notation on signed documents
Product: Credit card or prepaid card

MY BANK ACCOUNT IS SUPPOSED TO REJECT ANYTHING THAT WOULD CAUSE OVERDRAFTS YET I HAVE A {$34.00} NSF FEE DATED XX/XX/2019 FROM A XXXX XXXX. I WANT THIS REFUNDED IMMEDIATELY AS I WAS NOT NOTIFIED BY YOUR OFFICE THAT THE FUNDS WERE NOT THERE AND MY BANK SHOULD HAVE BLOCKED THE CHARGE IF THE FUNDS WERE NOT COVERED. IF THIS IS NOT REFUNDED I WILL TAKE OTHER ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXX XXXX to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX  to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX XXXX. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's management of disputes, particularly in light of the recent lawsuit by the CFPB, which has brought to light significant issues with the platform. Despite my frequent use of Zelle and my reporting of discrepancies, both my financial institution and Zelle have failed to conduct an adequate investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The findings of the CFPB indicate that Zelle has not only neglected its duty to protect consumers but has also allowed repeat offenders to exploit the system, thus leaving users vulnerable to scams.
Product: Checking or savings account

Hi! Suntrust now Truist has allowed multiple fraudulent transactions to post to my account and have closed my claim for fraud. A total of 6 XXXX transactions were made that are not mine mine and totaling nearly {$700.00}. They have closed the claim without doing their research. They also never alerted me that there was suspicious activity.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX XXXX well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the Equifax as some information has been mixed up and given to other people please help me fix this situation
Product: Credit reporting or other personal consumer reports

XX/XX/year> I notice XXXX spelling over XXXX on webpage. I complain of alien province harassing customer 's web page. The alien province is the customer 's mothers maiden name of XXXX applying alternative name to application of XXXX and XXXX to deny XXXX consumer account issued by XXXX department.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I beleive these practices are unfair and request and investigation into my account transactions.
Product: Checking or savings account

I am continually being called on the telephone by your firm over this alleged debt. According to the information given to us by your firm, the date of last activity by the original creditor is LEXIS NEXIS The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of MICHIGAN Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I ALSO NEVER HEARD OF A LEXIS NEXIS BEFORE XXXX XXXX  XXXX BEEN PASSING MY INFO TO THEM YEARS AGO WHILE I WAS XXXX I NEED ALL MY INFORMATION REMOVED FROM XXXX XXXX CEASED AND DECEASE IMMEDIATELY
Product: Money transfer, virtual currency, or money service

Team, On XX/XX/XXXX a fraud transaction attempted in my account with Western union money transfer website. I called them and got the case number : XXXX Transfer Amount / Amount of Transfers : XXXX XXXX Transfer Fees / Charges Transfer : XXXX USD Total : XXXX XXXX Transfer Amount / Amount of Transfers : INR XXXX Western Union company couldn't stop the transfer, so I called XXXX XXXX and set a stop payment. So I did not happen this fraud happen. 
The attached mails have more details about the transaction numbers and recepient account. They tried to create a recipient account with my details only by changing the name little bit. 



Thanks, XXXX
Product: Debt collection

I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me.
Product: Credit reporting or other personal consumer reports

I spent a small amount of money And they took way too many points off of my fico score Monday, XX/XX/year>. My credit score was a XXXX. I spent {$150.00} and my credit score went down XXXX points which now makes it XXXX. 

And I am only utilizing 26 % of my credit which is below the 30 % mark. This should keep me above a XXXX XXXX score which seems to be a miscalculation on their part and is hurting my ability to utilize new credit opportunities for funding my business. 

I am asking for an investigation On Trans Union and XXXX so that my XXXX score reflects what the fair Credit reporting act suggests and should be adhere to in my situation as Per federal law States.