23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

I checked my credit report and seen that there were a few inquiries on my report that i did not make which are all listed below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have contacted all 3 bureaus and informed them all that 1. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a XXXX for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
2 XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
3. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

BELOW IS THE LIST OF INACCURATE ACCOUNTS AND INQUIRIES : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Product: Mortgage

Select Portfolio Servicing ( SPS ) made an error by turning us down for mortgage assistance ( loss mitigation ) we filed on XX/XX/2019. SPS denial letter of XX/XX/2019 ( attached ) stated that SPS reviewed ( our ) complete Assistance Review Application for eligibility under its loss mitigation options which are established through investors rules denials are based on criteria where your account did not pass program eligibility This is a violation of RESPA regulations 12CFR1024.41 because SPS did not disclose any owner/assignee/investors/guarantor rules that were used to deny us the trial or permanent loan modification. SPS full disclosure of owner/assignee/investors investor rules used of loan modification denial is required by RESPA law.

12 CFR 1024.41 ( d ) ( 1 ) RESPA regulation states : if a trial or permanent loan modification option is denied because of a requirement of an owner or assignee of a mortgage loan, the specific reasons in the notice provided to the borrower must identify the owner or assignee of the mortgage loan and the requirement that is the basis of the denial. A statement that the denial of a loan modification option is based on an investor requirement, without additional information specifically identifying the relevant investor or guarantor and the specific applicable requirement, is insufficient.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, TransUnion, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit card

I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is about a company called Ocwen Loan Servicing in Florida. 
I do not have a loan, never had a loan, never heard about nor ever had or did any business with Ocwen or Ocwen Loan Servicing. Nevertheless, Ocwen recorded and published in public records that I took out a loan with Ocwen for {XXXX, which I never did. Ocwen has placed a lien against my name on that loan and alleged I never paid the company back. 
I called Ocwen and sent faxed documentation XXXX XXXX approximately containing information and facts that confirms I have identity theft. XXXX XXXX, XXXX I spoke with XXXX in Ocwen 's Consumer Ombudsman 's office about the aforementioned issue. XXXX stated Ocwen had determined " I was not the Ocwen customer the company alleged defrauded them. And also stated even with the above being the fact Ocwen would not delete the negative information, release all liens and encumbrances placed against my name as their alleged client " has a similar or same name as I do. '' More importantly XXXX stated the reason Ocwen was not wanting to correct the situation is because the company requires a copy of my social security card that I will not send to them. Ocwen already knows and has confirmed their client has a different social security than I. I believe the request for my social security care is unlawful and an abuse of power against consumers. 
No governmental agency to my knowledge provides or has provided any company or entity the right - to deny a consumer their rights under the laws of the United States of America. The FTC nor the Consumer Protection Bureau has mandated such right to Ocwen. Consumers are not wise to provide their social security card to people or businesses with whom they never had nor have any relationship. 
I have identity theft and completed an affidavit for Ocwen that I located on the FTC website as well I submitted all documents Ocwen requested and submitted proof I have been a victim of identity theft, including a compromised identity card, provided me, by the XXXX XXXX. I also sent Ocwen copies of all the FTC and US laws requirements and mandates to release and desist from further harming ID theft victims through making public reports and or credit reports of erroneous damaging information against identity theft victims. Ocwen choses to ignore all laws, rules and regulations. Ocwen refuses to adhere to the US laws, rules and regulations of the FTC and Consumer Protection Bureau. Ocwen refuses to release their lien against me as well as refuses to release any and all other inaccurate encumbrances they have placed against me and or my name Ocwen is knowingly and willfully acting illegal by attempting to cohere consumers into providing information they have no right to and that is not required they provide by law, especially information as personal as one 's social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Private school loan with XXXX XXXX XXXX ( aka 'XXXX  XXXX ' ) back in XXXX. At that time I was at the University of Texas at XXXX ( XXXX ). Please note this school has changed its name to the University of Texas XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of Texas-XXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Product: Credit card or prepaid card

Started an online chat with Synchrony bank on XX/XX/2019 for 15 disputed charges due to the company I was working with stopped responding to me for products that I ordered and then never delivered. Chatted with XXXX XXXX and from the saved chat logs assured me that all 15 transactions were included in the disputed. Just to make sure I called customer service maybe a week later to make sure all those 15 transactions were included and sure enough they were not. I called the agent who raised the dispute and added the remaining amounts and stated that we have to wait another 60 days for these remaining amounts to be included in the dispute. Ok no problem. I called either XX/XX/XXXX or XXXX and I had an agent from the dispute department today state that at first they didn't see my dispute but then after a few minutes on hold she told me there was {$3800.00} still pending to be credited back? I am not to sure where they got that figure but recently they credited back {$1200.00} for the 4 disputes for the dates XX/XX/XXXX19, XX/XX/XXXX19, XX/XX/XXXX19, and XX/XX/XXXX19. The remaining amounts Synchrony bank stated there is absolutely no record and I would have to do another dispute. This company is by far THE WORST customer service company I have ever dealt with. No one has a clue how to service a customer. No way I would like this resolved immediately.
Product: Credit card or prepaid card

I made a payment to CITI of {$30.00} on XX/XX/2019 and another of {$50.00} on XX/XX/2019 and was never given credit for them. I provided my bank statement and also the tracer numbers from my XXXX account 3 times and they still say they did not receive it. They then told me they sent the {$80.00} back to my bank, but there is no record of that happening. I have closed the account and still get late fees and the {$80.00} added to my statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent 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 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

I have received Several copies of my LexisNexis report which reflects no bankruptcy being reported yet XXXX claims the LexisNexis verified the bankruptcy they are reporting so i am requesting and investigation into why and where the mix up is and why i would like the data furnisher LexisNexis to communicate with XXXX to have this situation rectified asap
Product: Student loan

I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.
Product: Mortgage

PHH Mortgage is the loan servicer of my home. The HomeOwners Assistance program has opened up in my state XXXX XXXX XX/XX/XXXX, I applied for assistance. The problem is that PHH Mortgage is not an accepted lender with the XXXX XX/XX/XXXX XXXX. I have called them on XX/XX/XXXX and XX/XX/XXXX ( PHH Mortgage ) several times and tried to communicate with them about the program. The representatives that I talked to on several different occasions do not understand that the company needs to sign an agreement with theTreasury Department ( government ) to accept the payments. They are drafting a letter to me to say that they will receive the government 's payments. Based on my conversation with XX/XX/XXXX, that is not going to work. Right now, my application is on hold because of the lender ( they will hold my application for 30 days only ). I am 31 months past due on my mortgage due to financial hardship because of Covid. If the mortgage company wanted to start foreclosure, they could at any moment. I do not want to lose my home, and I am turning every stone possible to prevent this from happening. I understand that PHH Mortgage does not have to sign up for the program. I want to know if they have any plans to start accepting XX/XX/XXXX. I was given forbearance after forbearance only to find out I could not get a load modification because of the investor guidelines. This is my last hope.
Product: Credit card or prepaid card

I received a phone call from Fortiva and I was told the payment was only 14 days behind.. I have a late payment on my credit report that I disagree with
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with ALLY because my credit score was negatively impacted due to ALLY reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to ALLY ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to ALLY for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. ALLY either did not properly send a request for payment from my bank, or did and something prevented the money transfer to ALLY. I was never properly informed by ALLY about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to ALLY. I only found my original payment was not posted when I logged into my online ALLY account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to ALLY. I'm only bringing this issue to the attention of others now because I did not know ALLY was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by ALLY. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for ALLY to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.