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

Notice to principal is notice to agent, In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voulentary. This is a private transtion and this a unfaverable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it metion that a natural person can be denied credit. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I recceived no benifit for the use of my credit. A inquiry popped up on my consumer report which is a receipt of transaction meaning someone got paid off my credit and I reccived no benefit at all. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against in pursuant to 15 U.S.C. 1691. For the damages that have been done to my mental distress and financial as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. Im aware of my open end credit plan, my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which Ive extended credit. The inquiries on my credit consumer report is a clear indication of a transaction, a transaction consist of exchange of currency, goods, and or services in which I reccived no benefits from. I was discriminated against and according to the FCRA and also by the description of the United States Codes listed above this is a violation of federal law. I spoke with a XXXX XXXX from the Capitol One fraud and dispute department Agent # XXXX on XX/XX/XXXX  and she stated that Captiol One was unable to complete my request for reinvestigation and also that the company does'nt have any actions that could be taken further than the complaint that I sent and was unable to send any proof of correspondence to me concerning this matter Attorney in Fact for XXXX XXXX XXXX
Product: Mortgage

My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.
Product: Mortgage

Due to an escrow shortage caused by a change in insurance, the monthly payment increased. The mortgage company was unable to contact us, therefore we underpaid two payments. Though we never missed a payment the mortgage company submitted a delinquent payment to the credit companies. We did not miss a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. XXXX and Equifax Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked XXXX  and Equifax to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. XXXX and Equifax still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$7100.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$200.00}. 
XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$9000.00}. 
XXXX XXXX, stated account 30 days late this account paid in full XXXX of XXXX. balance is {$0.00}. 
XXXX, stated last reported XX/XX/XXXX, status is derogatory this account doesn't belong to me balance is {$12000.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX, status is open this account doesn't belong to me balance is XXXX.
Product: Debt collection

Medical Revenue Services has repeatedly harassed me by persisting in calling me both at work and on my mobile after I have told them at least three times that I wish only to be contacted by mail, never by telephone, and they should never call my place of employment. They called me again today, XX/XX/XXXX on my mobile. They called me yesterday at my place of employment, XX/XX/XXXX. I have witnesses ( other employees that answer phone at work ), that they have called repeatedly after being told not to contact me on the telephone. They call my place of employment at least twice a week, and my mobile more often than that. I continue to attempt to block them, but they just call from a different number and continue their harassment. I have asked at least three times to only be contacted in writing at my home address which I have verified with them.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents along with a letter from an advocacy group assisting me as a victim of human trafficking, specifically debt bondage. This situation falls under the provisions of the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that this information be blocked from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking through debt bondage, I request that all related accounts be blocked and deleted from my report. Please ensure the following accounts with TransUnion are removed from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} ( Auto Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$3200.00} ( Apartments ) Opened : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$700.00} ( Personal Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$1300.00} ( XXXX ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$760.00} ( XXXX XXXX ) Opened : XX/XX/XXXX 2024
Product: Debt collection

I have been contacting Exeter Finance regarding the account they are reporting on my credit since XX/XX/XXXX. I have given them my name, address, social, date of birth and even the account number reporting on my credit so they can give me debt validation for this account I do not recall openeing and each time I call they tell me they can not locate an account with my information. Even after admitting they can not locate an account for me they continue to report this on my credit which is against FCRA laws. I have disputed this account with them and the bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not received any response or evidence that this belongs to me.
Product: Checking or savings account

I opened an acccount. Deposited {$50.00}. Then was locked out and no one helped me. I still have no idea where or how to get my money. I got robbed
Product: Credit card or prepaid card

Got a notice about a new credit card added to my credit report by COMENITYBANK/SONYXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX I have not authorized this credit card, or credit check by that company. The credit inquiry was done on XX/XX/2022, and reported on XX/XX/2022. 

I have called the company, and asked them to close the account. They had an address in another state for this account. They said that they are closing the account. But did not receive any confirmation, gave them my email address as well as home address.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed by a family member that HRRG contacted them about a medical debt incurred by my son. According to them, they called for over a month and would leave messages. I did not live there and had not for over 2 years. The phone they called was not my phone number and had not been my phone for over 2 years. The date of service was for XX/XX/21, so 8 months ago. The company HRRG - Health Revenue Recovery Group, LLC contacted another person, not a relative, and divulged what it was for ( XXXX XXXX XXXX ), and said that they were going to sue them. The person they called went ahead and paid it, and then told me they had waited for a receipt in the mail to give to me. They told me that the person they spoke with at HRRG was a woman and he said I no longer lived there and asked if they contacted me at my home address. The collection agent then threatened to sue him and then divulged that it was for my son, for emergency room visit, the date, the hospital and other identifying information. 

I believe this is WRONG. At no time was any attempt made to contact me, to call me or by writing. I feel my personal privacy rights were violated. My information was properly given and the time of service. The Hospital had all of this and chose not to update their records and then turn it over to collections, despite the fact every other bill had been paid. Secondly, this emergency room visit was due to the fact my son was injured, at school and on school property during school hours. The entirety of his bill was guaranteed to be paid through the state insurance system. There was no reason for this to happen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights.

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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My girlfriend took out a XXXX loan on her house. United community Bank made her open up her own account We had to join account together And they were supposed to take XXXX payments out of her account. However, they took XXXX payments out of our joint account and we tried no less than five times to have it corrected. When I got upset with the bank, they retaliated and closed my account
Product: Credit reporting or other personal consumer reports

*15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

XXXX **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

XXXX  **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

XXXX **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

XXXX **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This apartment complex is saying i lived at this location but i never lived here this is fraud.the address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX pa XXXX
Product: Debt collection

I disputed the collection account through XXXX, and it came back as verified. 

The debt collector Paid in Full , Inc. then sent me a COPY ( not the original ) of the contract which did not have a valid signature of mine on it and told me that this debt is verified because of the contract. 

Please see attached letter of the requested resolution. They can be reached at XXXX. Mailing address is - Paid In Full , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Thank you! 
XXXX XXXX
Product: Vehicle loan or lease

I sent a letter to Bridgecrest asking for verification of an account, they sent me back a letter saying that they did not have enough information to respond. I gave them my name and SS # which is more than enough. They have my physician address, as well as my P.O. Box ( so does the credit bureaus ). They also did not send me a 10 notice of redemption or a notice of sale, which are required by law for all repossessions. They also have my work address, so they had plenty of ways to notify me. My next step is small claims court with this issue. Thanks.
Product: Credit reporting or other personal consumer reports

My student loans were transferred to Mohela from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and Mohela. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to Mohela and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TRANSUNION ; I filed with CFPB remains unresolved.
Product: Debt collection

this company popped on my credit report. i called the company and kept going straight to voicemail and no one ever answers. it states the account was opened on   XXXX   XXXX   XXXX     and I did not open an account on this date for this type of balance with anyone. this company have stolen my identity. after reviewing this company on websites, there are numerous people they have done this to trying to collect money and is a fraudulent account on credit reports.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting. The information being reported has caused me damages. 

This inaccurate credit reporting is a misrepresentation of my person. Reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers under the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property. 

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a Certificate of Financing statement from ( Arizona ) Secretary of State. Search Criteria shows NO RESULTS FOUND for ( insert your name ALL CAPS ) to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY YOU ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 
TransUnion, XXXX, XXXX, you are reporting the below account ( s ) that are not an obligation to my name according to the Secretary of State. 

Accounts : 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: Consumer Loan

Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out from this company in the amount of {$1400.00}, however, this was before it was brought to my attention that Loan at Last is operating illegally as a " tribal lender '' who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. 
This company is operating under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are charging usury amount of interest according to my state 's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. 
I have revoked any and all ach authorization once this was brought to my attention and have offered a payment plan for principal only, although I am not legally required to do so.