23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent a check via bill pay to wakefield to pay off accounts reporting to my credit and specified these accounts to be paid. The agency posted funds to older accounts. Called them to correct this and a month later and 3 calls, still not corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reportedinformation from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Mortgage

On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. 

When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. 

This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all  fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). 

Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. 

I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! 

Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.
Product: Credit reporting or other personal consumer reports

There is an unauthorized item on my credit report resulting from the fraudulent use of my personal information. I have never benefited from or authorized this account in any way. Understanding the seriousness of this issue, I promptly filed a report with the Federal Trade Commission, hoping for a resolution. However, despite taking all the necessary steps and reporting this fraudulent activity, the item remains on my credit report. 
This ongoing issue has been extremely frustrating, as I am now dealing with the consequences of someone else 's misuse of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Debt collection

Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth FinancialHAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If CommonwealthFinancialhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Commonwealthhas reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
Product: Credit reporting or other personal consumer reports

XXXX incorrectly reporting information that should have been removed several months ago. I intaially filed a compliant here with cfpb after many disputes and several years with no results. Cfpb immediately got a response including a letter from upper management explaining that they would stop reporting now that they had sold to collections. The company is mountain America credit union. I'm not sure why months after this letter they still have lived up to their word. But I'm angry with XXXX now because their dispute process it automated completely. Not even flagging a human in situations like mine. So they investigated?,!! How dare they?? They send auto request to macu, who tells the automated system no this is correct. And they close the dispute and didn't even notify me!!! HELLO!!! XXXX!!! GET THIS OFF MY REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. XXXX and Transunion wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
XXXX XXXX XXXX
Product: Checking or savings account

I have XXXX checking account with BMO harris ending in XXXX. Also have master card ending in XXXX. 
I asked BMO to have my balance transferred to my checking account and close the checking account and send me the check for remaining balance. Nothing happened.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a discrepancy I have encountered between my credit reports from XXXX and Equifax. The issue pertains to certain items that were removed from my XXXX credit report following an investigation, while these same items remain on my Equifax credit report. 

Please See Attached. 


I initiated a dispute with both XXXX and Equifax to address the inaccuracies in my credit report. XXXX conducted an investigation and subsequently removed the items in question from my credit report. However, Equifax has not taken similar action, and the items remain on my credit report with them. 

I am concerned about the inconsistency in how these items are being handled by different credit reporting agencies. I kindly request the following actions XXXX an inquiry into the investigation and verification process used by Equifax for these specific items. I request transparency regarding how they verified the accuracy of this information and any communication they had with the reporting entities. 
Remove the disputed items from my credit report if they are unable to provide verifiable evidence of their accuracy. 
Ensure that Equifax follows the same investigation and resolution standards as XXXX to maintain consistency and fairness in the credit reporting process. 
I am committed to resolving this matter promptly and appreciate your assistance in rectifying this issue. I value the importance of accurate credit reporting, as it directly affects my financial well-being and opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have filed multiple disputes with XXXX  XXXX in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

XXXX XXXXXXXX is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from XXXX XXXX stating that the account was closed on XX/XX/. As of my credit report on XX/XX/XXXX  the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in XXXX. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/XXXX  and the account was closed in XX/XX/. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have XXXX XXXX accounts reflect the accurate date of closure ( XX/XX/XXXX  ) effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Transunion a dispute in regards to them furnishing information on my credit report without my consent that is harming me as a human being. The delivered was delivered to them on XX/XX/2022, I am aware that they are to respond within 4 days by law. It is now XX/XX/2022 and I have yet to receive any response. They are in violation. My original documents were notarized as well.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

On XX/XX/2019 I received a call from XXXX XXXX @ XXXX stating that she was from XXXX county to inform me of a wage garnishment. I explained that I have tried several times to dispute the debt and requested information to confirm the validity of the debt. She said to contact XXXX at XXXX to resolve and she would hold until XXXX. Called and spoke with Mr. XXXX who said the only way to stop was to pay today. He advised that the payment due was {$580.00} but would settle for half. If you call XXXX it is XXXX. 

XXXX has contacted me several times and has only sent me an settlement agreement via email on XX/XX/2019 but nothing to confirm the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt account was opened on XX/XX/XXXX. I have not used said credit card since even before that date. They reported that my last payment was in XXXX when they've acknowledged over the phone that it was earlier than that. I have repeatedly disputed it and they will not remove it from my credit even though it has been over XXXX years. 

This should be off of my credit at this point. Even though I have not contacted them in quite some time, they just updated my balance on XX/XX/XXXX and continue to do so so that my reporting period is extended.
Product: Checking or savings account

I received 2 mailings on XX/XX/2021 from SunTrust bank. One for checking, the other for savings. I did not open any accounts with SunTrust, nor have I ever done business with them. I called and they verified that they had my social security number. They said they would cancel both accounts. Yet I later received a statement from them. 
I asked for info on the criminal who has my social security number and if they could shed any light on this. But they refused. 
Also, it is very strange that they opened 2 new accounts with no funds. Every bank account I know of has a minimum deposit in order to open the account. How could they open accounts with no money?
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX, Binance locked US users accounts to follow us regulations. I was unable to transfer out of the currency I had and I panicked, so since it was an ethereum token, I transferred it to binanceUS ethereum account. Now its frozen in their wallet. I reached out to them first on XXXX and after a couple weeks they responded that I needed to send them my wallet address and a fee of XXXX bitcoin for them to take care of it in 5 days. I did this immediately and gave them permission to take the fee through email. 

Since then I have been put off and ignored. I filed other service tickets and was told the same thing. This was over the course of XXXX months. I finally got another response on XXXX that they would handle it, then again nothing. We are now approaching 4 months that they have had my {$40000.00} worth of tokens tied up. 

I started pressing them on XXXX so everyone could see, and they had the time to block me but not fix my problem. They post continuously how much money they are making and its really hard to watch. 

I feel they are lagging in their response to keep peoples money. Theres thousands of complaints on XXXX and XXXX, so you can XXXX how much money theyre making. We just dont know where to take the complaint or theyd have many more. 

Is this the right place to complain and do you have any other avenues of complaint where I might be able to get my {$40000.00} back?
Product: Vehicle loan or lease

On XX/XX/XXXX I went XXXX XXXX and applied online. I look it XXXX XXXX and tried send Credit Union and you could not send it XX/XX/XXXX at XXXX XXXX. So Saturday, XX/XX/XXXX I tried it again and I could not again. So I want too XXXX XXXX XX/XX/XXXX XXXX XXXX, Account Credit Union XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, Tx XXXX and Social Security number XXXX. I apply XXXX XXXX XXXX {$19000.00} and gave them $ XXXX {$14000.00} total. I apply of 3, so I took XXXX XXXX   Account # XXXX, Sun Trust Bank. It took them 2 hour and not able approve XXXX, Tx. Credit went down XXXX XXXX and XXXX XXXX.
Product: Debt collection

I do not owe Rent Solutions or XXXX XXXX Apartments. I have abided by all contractual obligations and have paid my rent in full covering the entire time I resided at the apartment complex. While living at XXXX XXXX, there were XXXX instances which complex did not provide safe environment : there was damage to my property and my life was in danger by theft and possible fire as a direct negligence of the management. I will retain the right to pursue legal action for compensation if this is not immediately removed from my credit reports. As the result of their unlawful claim which has been reported in my credit history, I have been denied an application to rent in California.
Product: Debt collection

Nair & Levin Law Offices of P.C. 
XXXX XXXX XXXX XXXX, CT XXXX On XX/XX/2018 they sent a Wage Garnishment to my work for a person who has the same name as me but it is not my debt : the Social Security number and home address of the person they were trying to attach the wages are not mine. A letter was sent to them from my employer stating such.
Product: Mortgage

We applied for a mortgage with Carrington Mortgage on XX/XX/2018. I first was in touch with XXXX XXXX in the XXXX Florida office. As the weeks went by and I tried to get in touch with XXXX XXXX she no longer worked there. They then told me XXXX XXXX took over XXXX XXXX 's files. Once XXXX start taking over the file it was issues of her not returning phone calls and her having an attitude. I put up with XXXX for a month until I can no longer take her attitude and rudeness. I then told her that we no longer wanted to work with her because of her attitude and her professionalism. I explained to her that we were going through enough trying to purchase the home and didn't need anything else to stress me out. I then asked her to pass our file alone to another loan officer who will understand our needs and get the file closed. She advised me that she can not do that she will pass the file to her supervisor which is XXXX XXXX. As weeks went by I called and emailed XXXX and he never responded back. I then XXXX Carrington Mortgage and a couple of loan officers came up I called each loan officer and ask him to put me in touch with XXXX or somebody else that's a supervisor. A week later XXXX called me and said he never got the messages or the emails which I have proof I sent. XXXX advised me that he will be taking over the file to try to get the loan closed. XXXX was very nice for the first couple of days and then he started being un- professional like XXXX not returning phone calls and having an attitude. When I first applied with Carrington Mortgage I explained to them that we were victims of identity theft and someone had stole our identity as we were trying to purchase this house. They advised me that it was okay that I had a fraud affidavit and I have proof that we were a victims of identity theft and they still can close on the house. They also have asked me to turn over the owner finance house that we were living in because we could not afford two mortgages. I did what they advise and I turned the house back over to mr . XXXX which I got it notarized. Mr XXXX said he would give us a couple of months until we were able to close on the house it is now going on XXXX and we will be homeless as of XX/XX/2018. XXXX sometimes call and email my Agent but will not communicate with us as Clients. I feel it's unfair that he sometimes explain what's going on with My Agent but not us. Please help I have a XXXX year old child and I'm so scared we will become homeless on Monday XX/XX/2018. 

Thanks for your cooperation in this matter.
Product: Credit card or prepaid card

I am trying to arrange a balance transfer and need by full account number. Best Buy/Citi will not provide it, nor direct me to person with that authority. Statement only has last found numbers. I do not have the physical card as they had closed it out a while back and I shredded card. They say they can not give me a new card, as they had closed it. I made all payments and want to pay off last {$1100.00}. I asked XXXX, the supervisor, who there could or could tell me who to talk to and he hung up ( he said there was no one above him in organization I could speak with ). 

I just need my account number, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.