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

FNBO is stating that payment was 30 days late, and reported to credit bureau. 
Payment was not 30 days late. Disputed with XXXX, and creditor is stating that it was 30 days late and failed to provide proof
Product: Mortgage

After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XXXX XXXX, XXXX. 
I am requesting proof these accounts belong to me. As it is part of your investigation. violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. provide proof of any verified information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 a fraudulent inquiry was made by US SM BUS ADMIN ODA on my credit report.
Product: Mortgage

My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX after I completed a refi. Taxes were due in XXXX. Mr. Cooper never paid them. I received notices from XXXX XXXX, XXXX in XXXX that I still owed taxes for XXXX. I contacted Mr. Cooper and expressed the urgency of resolving this quickly so I would not take a hit on my personal income taxes due to not being to deduct the approximate {$5700.00} that was due. 

Mr. Cooper outsources escrow services to XXXX XXXX. They don't even have a number for their representatives to contact anyone from XXXX XXXX and only would allow me to contact them via email. They supposedly mailed payment to XXXX XXXX on XX/XX/XXXX, but can not or will not show me any proof of that other than a line item on my statement saying that funds were withdrawn. This left me in a position where I had to take personal funds to satisfy the tax obligation on XX/XX/XXXX to avoid further penalty. 

As of today, XX/XX/XXXX, XXXX County has still received the payment. I've in effect paid my taxes twice, once to Mr. Cooper through escrow and then directly to XXXX County. Mr. Cooper has been unwillingly to cancel the checks that are lost in the mail and refund my {$5700.00} that they lost. 

Please help.
Product: Debt collection

I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check, just in case. Sure enough despite being promised the account would show paid they then produced XXXX new bills trying to collect on those as well. I spoke to XXXX at the XXXX XXXX office PRIOR to sending in the paid in full payment. She said she had spoken to the Drs and the amount I paid was the total agreed upon. These following charges were described as follow up visits to my single procedure. They lied and I have proof of it in an email from XXXX.
Product: Mortgage

Rocket restructured my loan under the Cares Act at the height of the COVID Pandemic and put late payments on my credit report, even though they said they would not. This went against everything they told me. Dishonest business practice and no willingness to remove the late payments from my credit report. I am currently going through the purchasing my second home with them and they won't budge, even though I paid off my first loan in it's entirety. I will continue to leave bad reviews as long as they stay on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

toyota financial services accusing me i have a 120 day late payment for my car loan which is not true because i have automatic payments every XXXX of the month and my due date is every XXXX of the month. my credit score went down significantly because of toyota financial services reporting that i was late payment. it was resolved before in they fix their mistake but it happened again my credit score was down again because they kept reporting me i have late payments. i already dispute it but no action, it really affects me and my credit score.
Product: Debt collection

Update on XX/XX/2023 with Glasser and Glasser PLC. They sent a dismissal of a garnishment with XXXX XXXXXXXX XXXXXXXX without the required judges signature through US mail and fax. XXXX XXXX XXXX will not remove the garnishment for this reason. 

Glasser and Glasser PLC is retaliating against me and delaying access to my bank account funds. Glasser and Glasser PLC also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.
Product: Checking or savings account

I signed up for Credit Karma 's general services. I inquired about their deposit accounts but never opened one. They have been sending me emails saying I have an account and that I have statements waiting.
Product: Payday loan, title loan, or personal loan

I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX A check was issued in the amount of {$390.00}. I have not received the check.
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by XXXX Equifax and XXXX. Under consumer law code 1681e a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

Hello My Name is XXXX XXXX, on XX/XX/2023 I was informed that a permanent credit of {$28000.00} will be issued to my account. As of today XX/XX/2023 the credit has not been applied to my account. I was told once again on XX/XX/2023 that the credit would be placed into my account in 14 days. It has not happened. So I have spoken to bank of America Edd card holder services 3 times with no results.
Product: Money transfers

I sent money to my sister who 's on vacation in XXXX, Western Union held the transaction saying it need to be review and they will contact me after two hrs. My sister told me to cancel if that 's how long it will take so I called 10 minutes after to cancel and they did not cancel my transaction. Their email confirmation clearly states that I can cancel within thirty minutes after sending money unless it waa picked up but now that I did they 're giving me the run around. I spoke with a rude supervisor who told me that they 're investigating my transaction and will not get an answer until 1 to 3 business days and that I agreed to the terms and conditions so I have to wait until they decide to approve or cancel the transaction.
Product: Credit reporting or other personal consumer reports

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


Account Name 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 XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I could not find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Product: Bank account or service

Through unfair business practices Compass bank has changed the life-time NO-FEE contractual terms of my business checking, and started charging monthly fees, all without my consent, and have completely failed to notify me of any changes whether by email or by paper mail or by phone. As a result the unauthorized fees caused my account balance to go down without my knowledge, which in turn caused NSF charges, generating improper funds for the bank. Upon finding out of the problem I immediately went to a Compass bank branch which suggested I call a phone number for assistance. I demanded to talk to a person who acknowledged that her bank did not notify me of changes to my account no-fee terms, but refused to resolve the issues. I demanded that Compass bank reverse all improper and unfair fees and charges, that Compass bank return my original fund and close my account at once. The lady Compass bank executive I talked to refused to close my account, stating that I must pay all the accumulative fees and charges first, and that those charges will continue accumulating indefinitely even while the account is in dispute.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate information in my recent Consumer Report, which I obtained on XX/XX/XXXX. Upon reviewing the report, I found several accounts listed that do not belong to me. I have waited over a month and they did receive the dispute letters I have sent. it's been over a month. and they're just sending me summaries of accounts that don't belong to me. 

The inaccurate information pertains to the following accounts : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  XXXX XXXX  ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  ] Account Number : [ XXXX ] Account Name : [ XXXX ] Account Number : [ XXXX ] Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] I moved to XXXX  in XXXX and was attempting to secure a business loan. As part of the loan application process, the lender requested to check my credit report to ensure my loan request would not be declined due to any adverse credit history. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which allows consumers to dispute inaccurate information directly with Consumer Reporting Agencies. Despite initiating a dispute with Experian, the discrepancies have not been corrected, prompting me to escalate this matter to your office.

Therefore, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into these discrepancies. I believe Experian has violated my rights under the FCRA by failing to ensure the accuracy of the information reported in my consumer report.

Please investigate this matter promptly and ensure that Experian complies with federal consumer protection laws. I request that you notify me of the outcome of your investigation and take appropriate action to rectify this issue.

Thank you for your attention to this matter.
Product: Checking or savings account

I received a debit card I didn't request from Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as an authorized user on 2 XXXX credit cards on my Equifax report that are both in negative standing. I requested to be removed in from the accounts and followed up with a dispute on XX/XX/2020 with XXXX. The accounts were removed from both XXXX and XXXX, but not Equifax. When I disputed the request and provided the documentation, XXXX and Equifax still refused to remove the accounts. Ive disputed these accounts multiple times only to receive the same response every 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I realized that LexisNexis was furnishing a consumer report on my behalf without the written or verbal consent directly from me the consumer, which is a federal violation of the FCRA. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave LexisNexis any instructions to furnish a consumer report on my behalf. On XX/XX/2022 I received a letter from LexisNexis informing me that I had successfully op-out of there system and the pin code to review this full consumer report, Upon reviewing this consumer report I notice LexisNexis have been furnishing vital personal information on my report which is also I direct violation of 15 U.S.C 1681 ( a ) ( 4 ) my rights have been infringed upon by LexisNexis due to this information being furnished. On XX/XX/2022 I sent LexisNexis a Affidavit informing them of the Consumer violations that they have committed against me in an attempt to have them remedy the situation by removing my name from there website and stop furnishing this report. I also attached to that Affidavit a letter directly from the XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 that states they do not share personal information with Credit reporting agency on any kind. I requested that LexisNexis do a full investigative report into the information that is being furnish on this report and mail it to me. directly. They are running my reputation as a federally protected consumer.
Product: Credit card

I disputed XXXX charge with BOA and they did not reassert the charges when provided BOA with evidence that I mailed the item to the merchant and the merchant accepted the package.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent. 

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 XXXXXX/XX/XXXX I have filed a formal report with the XXXX XXXX XXXX XXXX XXXX ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.