23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a Bank of America card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Bank of America has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Bank of America and was told that they had a record of this payment, but that they ( Bank of America ) had cancelled it " for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Bank of America admits their mistake with the XXXX transaction, but not XXXX. The Bank of America representat stated that the case is currently pending an internal investigation.
Product: Mortgage

Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. 
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! 
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! 
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. 
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? 
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not remove a credit freeze on my EXPERIAN credit report. This problem has been going on for years. I have removed my freeze by phone. 
I have removed my freeze by computer. EXPERIAN states ( on their website ) that my credit freeze has been removed. My EXPERIAN login at their website says there is NO freeze on my credit information. Still, no companies can access my credit. Thus, I can not apply for any type of credit, I can not buy any service that requires a credit check though EXPERIAN. To obtain utility service in Florida I had to give the electric company a {$300.00} deposit. Now, XXXX can not check my credit to install internet. My credit score is over XXXX but I am paralyzed by this company. I can not reach anyone to talk to at EXPERIAN. I just get a go around phone tree. Ridiculous.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, i looked at my report. I sent a letter to EQUIFAX on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here is my report XXXX XXXX XXXX XXXX they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( 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. and according to 15 USC 1681s-2 this is suppose to happen ( 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. XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB in my most recent dispute on XXXX to Equifax they responded that they needed additional information to identify me. CFPB this is my four dispute on this inaccurate late notice to Equifax they have know my identity. This is the fourth violation by Equifax after they requested proof of my payment and I have provided factual proof and documentations showing that my XX/XX/XXXX payment was received and made on time for XXXX XXXX four times now. 


CFPB under your supervision please have Equifax uphold the law again this is the fourth violation on this dispute. As I explained in my last dispute Equifax shouldnt be able to violate the law by continuously telling my that my letter look like a credit repair company or that I need to verify my identity. They have responded to my dispute before and a just continue to violate the law by not removing this inaccurate late notice. This is not right or fair they Equifax continue to violate my rights under the fair credit reporting act. CFPB please hold Equifax account for the four violation of my dispute. 

CFPB I have provided again supporting documentation of confirmation email I received from XXXX XXXX Card clearly showing that my payment was received and made on time for the month of XX/XX/XXXX. I have also provided a copy of my Massachusetts state drivers license alone with a copy of my XXXX XXXX form as requested by Equifax for your review.
Product: Debt collection

XXXX were sent to the account below : Portfolio Recovery Assoc. 
Acct : XXXX Balance : {$530.00} The account above was fraudulently opened. I am a victim of identity theft. I have sent the company a copy of my identity theft report along with the police report. I have spent time typing out letters to send both the company and the XXXX major credit bureaus as well. I have spent time going back and forth to the post office and also finding errors on my credit report. I took time to call all XXXX major credit bureaus multiple times. I took time filling out envelops, printing documents, and sending dispute letters. I also took time filling out certified mail forms and waiting at the post office.
Product: Credit reporting or other personal consumer reports

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed.

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Product: Debt collection

I have disputed the fraudulent account of {$420.00} with XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019 and provided the FTC report as well. They have not report the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I asked the bureaus to do a verification of everything that was on my credit report and they did. They stated that everything was accurate, and after doing my own thorough research myself I found improper inaccuracies on the credit report even after they did the verification. 



Name of Account Account Number XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and 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 am having issues with missing information on my credit report. I have a XXXX XXXX  XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XX/XX/XXXX, SS XXXX. My account is not showing on any of my credit reports.
Product: Credit reporting

XXXX XXXX XXXX, XXXX does not have a XXXX XXXX XXXX credit card and he has not lived a XXXX XXXX, XXXX, AL. Would appreciate having this corrected. Look forward to hearing regarding this correction.
Product: Vehicle loan or lease

I wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit. 

Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations. 

On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records. 

It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan. 

I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car.

2. Who is the original creditor.

3. If the account has been securitised.

4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold. 

I have stayed in honor by adding credits to this account as this matter is solved. 

I need full closure of this matter no later than 21 days.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX Account # XXXX date opened XXXX {$1100.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I XXXX attempt to resolve the issues.
Product: Debt collection

I was out of the country during the XXXX and upon returning in XXXX I received a letter from XXXX XXXX, on behalf of XXXX XXXX attempting to collect an unknown debt. Their letter was dated XX/XX/2018. However, due to delayed mail and my absence I did not have 30 days to dispute said debt. I called them immediately and requested for a delete for payment. They were not accommodating. They advised me to call XXXX XXXX. I called XXXX XXXX because I was never even aware of the debt to begin with. It was a final bill from the sale of a home in FL. I live in XXXX. I never received any bill from XXXX XXXX ( my previous bills were e-pay, but upon closing account I lost access ) and XXXX confirmed that they had an erroneous mailing address. I had no idea this bill was even owed and should have been given the opportunity to pay it in full. XXXX neglected to mail it to the correct address and closed my online account so I had no access. 
XXXX XXXX failed to give me 30 days to dispute this debt. I mailed XXXX XXXX on XXXX XXXX a written request to delete this from my credit and give me the opportunity to pay, but I have not heard any response from them. This is the only derogatory mark on my credit and I was never given an opportunity to pay.
Product: Payday loan, title loan, or personal loan

The lender, XXXX, aka Flurish, has sent numerous emails, and made phone calls, implying that I have directly or indirectly committed fraud. I have repaid numerous loans to this company, about XXXX, with my own funds via either debit cards or bank accounts. I reiterate these have always been my funds. The company continues to send me emails without explanation regarding issues they have. Additionally, the company will not let me talk with their fraud unit.
Product: Consumer Loan

American Credit Acceptance has an entry on my credit report for an auto loan with open date XXXX/XXXX/XXXX. They also have an entry on my credit report for an auto loan with an open date of XX/XX/XXXX-terms of loan mentioned and all. I 've never had an auto loan contract with those dates and none signed under the name American Credit Acceptance.I purchased a vehicle XXXX/XXXX/XXXX from XXXX in XXXX XXXX and XXXX financed it. Certificate of title for the vehicle states date acquired XXXX/XXXX/XXXX and lienholder XXXX XXXX XXXX. Turned in my vehicle and keys sent certified mail in XX/XX/XXXX, email sent to XXXX telling them where vehicle left and that keys mailed. Credit report does not have any information from XXXX XXXX Now for my XXXX/XXXX/XXXX signed contract. American Acceptance showed upon my credit reports with the dates listed previously and I did n't know who this was. XXXX XXXX bought the charged off 'american acceptance ' account I knew nothing of and put an entry on my credit reports that they owned the account that was opened XXXX/XXXX/XXXX ( what account? ). XXXX XXXX suing me for american acceptance debt ( what happened to XXXX? who is XXXX ) and provided copy of a sales contract in my name and a signature dated XXXX/XXXX/XXXX purchased from XXXX but balance owed statement from american acceptance ( summons ) stating I owe money for a contract dated XXXX/XXXX/XXXX. What contract is that? I disputed on credit reports all of this and american acceptance-XXXX confirmed it. Had court hearing today XX/XX/XXXX and judge asked if XXXX changed the date would that help? And also said that the dates did n't matter. A signed contract date does matter. Info falsely reported on my credit reports for years and no one trying to take it off. No resolution in court because I refuse to pay for something that is not mine and for info falsely reported against me ( no payment arrangements and XXXX used info they bought from american acceptance to sue me, when that info is false. Was said in court that attorney for XXXX did not get my credit report by I checked and their law firm completed an inquiry on my credit file XX/XX/XXXX so they should have seen that those reported dates by american acceptance did not match a contract the attorney states was mine. I 'm XXXX over this because if a judge says dates do n't matter and that if they changed the date would that make a difference ( wanted to try to get it all resolved ) and if they dismiss this case and re-file with correct dates on paperwork, I 'm doomed for not fault of mine. Please help me. I called the court back to see if I could get a transcript of today 's hearing but was told by rep who answered the phone that they do n't record for that type of case. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX confirming to remove the inaccurate account from my credit report. Thank You.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency