23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with XXXX for the month of XX/XX/year>, XX/XX/year> & XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. These fraudulent accounts are being reported by a XXXX  party. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

What are these inaccurate and unknown accounts. you just put anything on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Method Of Verication Dear Experian, RE : I am requesting the Method of Verication for the following item : XXXX XXXX XXXXXXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I replied to a mailing from XXXX advertising a low-cost government program to replace windows. The representative told me that the price for the windows would be {$17000.00} and would be financed through a bank, but then said that the bank would not finance such a large amount and that he was able to get a better rate through another company. The company stated that the interest rate was 11.9 %. The rate was high but I felt I had no other option since the windows were already installed. 

I did not receive any statements from the company yet every month they automatically took money from my bank account. Today, I searched for the company online to see how I could see the statements. After calling them to get set up for access to the online statements, I received the shock of my life. The interests on the second statement was nearly {$250.00}, bringing the total to over {$20000.00}. I called back to the company to question why the interest charged was so much, I was informed that the company charges {$6.00} per day for interest, that is not the 11.9 % interest rate that I was informed in the beginning.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hello Experian, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - elete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased a Tesla in downtown XXXX. This is XXXX and folks don't have garages with chargers. Tesla sales assured me that they were rapidly building a network of public chargers and it would not be a problem. As of today, XX/XX/XXXX there are no new Tesla chargers closer than XXXX, New York. Which means I need to drive XXXX miles round trip to charge the car... multiple times per week. So essentially XXXX XXXX of the miles allowed on the lease are used up to charge the car... .They should give me credit for that mileage as it is a substantial amount of the miles allowed under the lease. 
Since human beings are essentially unreachable at Tesla and my emails to XXXX are not returned, there is no way to get them to respond. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Representative, I am writing to request a correction of the following information that appears on my TransUnion consumer report which is inaccurate and incorrect. 

Account Number : # XXXX Source of dispute information : XXXX XXXX XXXX  XXXX XXXX XXXX Mail XXXX : XXXX XXXX, LA XXXX ( XXXX ) XXXX Date associated with item being disputed : After XX/XX/XXXX Brief Explanation of item being disputed : I filled up for XXXX XXXX in XX/XX/XXXX ; however a year later, in XX/XX/XXXX the bankruptcy XXXX was dismissed. XXXX See attached XXXX, XXXX ) After the bankruptcy was dismissed in XX/XX/XXXX, my credit report was showing the account XXXX  with the CONDITION as DEROGATORY, with the following remarks : Estimated month and year that this item will be removed : XX/XX/XXXX After 6 years later, in XX/XX/XXXX, the DERROGATORY mark was removed automatically and the score jumped to XXXX points. Please see the XXXX XXXX XXXX XXXX source TRANSUNION XXXX screenshot with XXXX, See attached XXXX. 

Plus the credit report at XX/XX/XXXX showed Estimated month and year that this item will be removed : XX/XX/XXXX. XXXX XXXX attached XXXX # XXXX ) and XXXX  Also, in XX/XX/XXXX, the date estimated to be removed is showing the same as in XX/XX/XXXX, this is Estimated month and year that this item will be removed : XX/XX/XXXX. See attached XXXX. 
In XX/XX/XXXX, a month later, suddenly the DERROGATORY mark was appeared again and the score dropped from XXXX to XXXX, Please see the XXXX XXXX XXXX XXXX source TRANSUNION XXXX screenshot with XXXX. This is XXXX points less. XXXX attached XXXX, XXXX and XXXX. 

It seems like a penalty or punishment coming from TRANSUNION for having requested a review and disputed the inaccurate and incorrect information. The Credit Report at XX/XX/XXXX showed Estimated month and year that this item will be removed : XX/XX/XXXX. XXXX attached XXXX # XXXX. This is XXXX extra years. 

Summary of item being disputed : In XX/XX/XXXX, 7 years after the bankruptcy was dismissed, I submitted to TRANSUNION my first dispute ( Ref : XXXX ) asking TRANSUNION to remove at once the Derogatory mark, however, nothing have been done by Transunion. 

At this first dispute, the remark was changed for the worst, from the XX/XX/XXXX highlight above to the following : Estimated month and year that this item will be removed : XX/XX/XXXX, which is inaccurate and incorrect. 

Since then, I have submitted disputes for XXXX ( XXXX ) extra times ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to TRANSUNION, asking to remove the 'DEROGATORY ' mark from this account, and nothing have been done at all. 

TRANSUNION have been ignoring my disputes by sending me letters saying we have changed the REMARKS, however, these remarks with <DISMISSED> instead of help, have been hurting my XXXX XXXX substantially. 

It has already passed 7 years since the bankruptcy was filled and dismissed, this DERROGATORY mark and the <DISMISSED> remarks are being considered negative in my score. I have not had any serious delinquency or late payments in the last 7 years.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX United Auto Credit Co has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.
Product: Credit card

I missed my payment on XX/XX/XXXX on my credit card ending in XXXX. I called to see if they had options for customer incurring XXXX XXXX XXXXXXXX or waive the past due fee of {$35.00}. The agent was unable to help with any of those. Instead they set me on a payment plan for 3 months with a minimum payment of {$42.00} due by XX/XX/XXXX. I went ahead and made the payment which cleared on XXXX XXXX. Now I have another past due fee of {$35.00} and a past due account. Since the day I called on XXXX my credit card has not been used for any purchases. I called capital one to know what was the issue. I spoke to a supervisor to which he said I had to make another {$65.00} payment in order to become current on my account and he couldnt help with the past due fee. I have emails and the payment plan giving my written notice that all I had to pay for these 3 months was {$42.00}. They have deceived me and gave me the run around and have not held their part as to what is stated on my email and payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.
Product: Mortgage

On XX/XX/year>, I gave my {$29000.00} Reinstatement Cashiers Check to Wells Fargo through XXXX XXXX Firm ( formerly XXXX XXXX XXXX, & XXXX XXXX ) to redeem my mortgage out of foreclosure and Sheriffs Sale. 
Wells Fargo stated they would forego late fees. 
Wells Fargo ahould have offered me a modification but kept my mortgage in Foreclosure for XXXX  years. 
Wells Fargo disappeared my money & applied small portions of my money to unfair junk, suspense and phantom fees and did not properly apply my money to my mortgage.
Product: Mortgage

The borrower was told he only qualified for FHA lending rather than conventional due to credit and DTI. In which the brokers or underwriter ignored a {$15000.00} XXXX XXXX payoff with substantial equity for payoff. Credit issues left unpaid. In addition to altering closing doc 's cash out terms after three day right of rescission.Then used Mers act to evade fiduciary lending standards according to Reg Z fair lending act in addition to XXXX Court mandate to payoff XXXX /XXXX XXXX  flawed programs as stated in XXXX Court finding XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

I applied for the loan, however, luckily I did n't accept it. I tried contacting them via telephone and a gentleman answered took all of my identification information like my social security, date of birth, address, he said for identification purposes, which made me fee uncomfortable but I figured it was party of the process and as soon as I have all my personal information he acted like he could n't hear me on the phone any longer and hung up. I called again and customer rep that answered listened to me explain how I felt uncomfortable that they asked for all my personal information and hung up on me, and then this one hung up as well. I called a third time & when the rep answered I told them u wanted to cancel my application and as soon as I said it they hung up the phone on me again. I just feel like they may be trying to steal my identity with the information they took down from me and feel like they are just there to scam people. I did research on this company and it just so happens that I read that they were previously castle loans or something where they 've scammed a lot of people. Can you guys please make sure that they do n't do something illegal with my personal information. Thanks.
Product: Checking or savings account

Thank you for listening to me. 
I went to the bank with a a promo card to receive {$600.00} total. 
We discussed the card. XXXX if I deposit {$15000.00} in a new savings account. I had taken it from our primary bank. So I could qualify for it, then XXXX for a direct deposit. We had that transfered document ready. I went to the bank to check on my deposit. And I see they did not honor the other the XXXX deposit because the banker failed to open a savings. This is not my fault. I did what the card ask. XXXX and I brought them just that. The XXXX At the XXXX XXXX XXXX XXXX ohio told me " No ''. and refused to accept responsibility for their oversight. I did everything they requested
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report from capital one called to get it resolved they don't even have me on file don't have my social security number nothing but I have it on my file as a hard inquiry
Product: Checking or savings account

on XX/XX/XXXX i processed a payment thru my Bill to Pay in my Bank of America on line account and it should of been processed due to the bill pay calendar on the bill to pay XX/XX/XXXX i log in on the XXXX and nothing it did not process but there was no update of it that it was processing or pending failed decline etc ... .. so i went ahead because its the second time i encounter a problem with the bill to pay BOA i just instead went to the XXXX  and paid thru their website and in person because i cant trust BOA . so i always every single day log in to my online to make sure its all ok and nothing crazy happens or i get overdrafts or anything. Yesterday XX/XX/XXXX all day i had a balance of like {$690.00}. close to that amount and im mean all day because i even paid my cell phone {$350.00} at about XXXX or XXXX XXXX  and it went thru fine no problem.. all of sudden i wake up next day morning XX/XX/XXXX and im overdrawn {$1400.00} i was shocked it was XXXX how can this be. i check and its the first transaction that was suppose to get process on the XX/XX/XXXXaccording to the calendar in BOA bill to pay it got processed on the XXXX supposedly the bank and when i called first rep said that on the XX/XX/XXXXit failed because my account was short {$9.00} they didnt honer it i request a SUPERVISOR and she comes at me that the check gets mailed on the XXXX and its up to the XXXX when they decide to cash it and i just let it be bacause at this ponint ive woken up everyone at my house with the screeming and yelling. with BOA you will never win a customer will always be responsible i didn't belive a word she said and i was also due to that charge overdraw fees of {$35.00} and she only refunded 1 i can not express my disgusting word against this back here is in their own words from their own website what happens when u schedule a bill payment ( When you make a payment, you select the payment amount and the date on which you want your Pay To accounts to receive the payment. The funds will be withdrawn from your account accordingly. ) i also took this down from their own website and from the Bill to pay ( After a payment is scheduled, it appears as Scheduled on the Payments Overview screen. After the payment is processed, the status changes to Processed. The Pay To account will receive the payment by the Deliver By date. Sometimes, however, it can take a few days for a Pay To account to credit your account. ) AND IT CLEARLY SAYS HERE IT WILL GIVE YOU UPDATE OF THAT STATUS OF THE PAYMENT AND CLEARLY IT DIDN'T AND THIS SUPERVISOR WANTS TO BRAINWASH THEIR CUSTOMER WITH POOR INFORMATION SHE SHOULD BE FIRED FOR GIVING FALSE AND FRAUD INFORMATION TO THE CUSTOMER TALKING ABOUT THE CHECK GETS MAILED SHE SOUNDED SO PATHETIC