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

I submitted a dispute regarding XXXX items on my credit report, requesting that they be re-investigated. Despite my request, I was informed that the items were accurate. However, this conclusion is false. 

I will be submitting proof to demonstrate that I formally requested these issues be corrected. Additionally, I will provide evidence showing that I disputed these same items with another credit bureau. Upon investigation, that bureau found the items to be inaccurate, and as a result, they were removed from my report. 

It is troubling that XXXX credit bureau could identify these errors, yet the other refuses to acknowledge them. This discrepancy is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) .under 15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681g, 15 USC 1681a ( 4 ) and 15 USC 1781i ( 5 ) I am entitled to accurate and fair reporting. The failure to address these discrepancies, despite the evidence, constitutes a violation of my rights. 
The continued presence of these inaccurate entries on my credit report is severely impacting my credit score and overall financial well-being. Despite my patience and hope for resolution, it has become clear that this matter will not be addressed without further intervention. 

I will be providing evidence that these items have been investigated by other credit bureaus, found to be incorrect, and subsequently removed from my report. The XXXX disputed items are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Additionally, I will submit the findings from a previous CFPB complaint, which show that these items were removed from another bureau after an investigation confirmed their inaccuracies. 

The credit bureaus refusal to update my report is a clear violation of the FCRA, and I request the help of the CFPB to help enforce that the credit reporting agency is acting honorably.
Product: Credit reporting, credit repair services, or other personal consumer reports

In your response to CFPB XXXX you expressed some information that are flat out lies. I've documented my evidence as screenshots attached. In screenshot 1 you allege " there is no mention of a Ch XXXX Bankruptcy that will be dismissed in XXXX of this year. '' In screenshot 2 as clear as day you are saying that " Therefore, as permitted under law, it will remain on your file until XXXX " Why are you lying to preserve inaccurate information on my profile? I'm starting to think this is personal. The fact that you simply ignore the evidence presented to you shows a pattern of negligence that is a cause for a lawsuit. I have visual proof that you reported 2 different deletion dates, 2 different chapters of Bankruptcies, and now you're alleging you never even said it when the evidence is in your face? My lawyer, XXXX XXXX suggests that I have a solid case for negligence and willful noncompliance. Also, you keep mentioning XXXX, I've used XXXX  also, it's a database you can just type in a name and get incomplete and inaccurate information. Clearly my point is this information is wrong. Therefore it is your obligation to investigate the original furnisher ( THE COURT ) to get  complete and accurate information. I keep providing proof of my address in a government ID and Bank Statement yet you insist on telling me where I live. Do you realize how crazy that sounds? I am attaching a police report stating I am a victim of identity theft and I need you to block this bankruptcy from credit profile immediately in accordance with FCRA 609 ( e ). You have shown you are unwilling to investigate this issue and have committed numerous violations of my consumer rights. I am attaching my ID, bank statement, a letter from the original account ( Bankruptcy Court ), Your discrepancies in the investigation, and your lies about the discrepancies. Please do not respond with stalling tactics. You must stop violating the law.
Product: Mortgage

Hello, My husband is XXXX XXXX XXXX XXXX. We are currently stationed in Ohio and bought a house here in Ohio. We are asking our mortgage lender if they could extend XXXX benefit of 6 % cap interest rate to our mortgage. As Ohio being a Key provisional state, this means that XXXX is extended for debt incurred XXXX XXXX XXXX XXXX I have referenced the documentation from the Ohio State Bar Association to my mortgage lender explaining this. Below is the reference : XXXX. Interest Rate Cap- To help ease financial burdens created by XXXX XXXX XXXX, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred XXXX XXXX XXXX duty.Note that Ohio extends the 6 % interest cap on all debts, not just those incurred XXXX XXXX XXXXXXXX XXXX. 

They responded by stating that, " The section you are referring to XXXX of the Ohio State version of SCRA doesnt apply to residential mortgages because theyre not goods or services. due to the ruling of the case in 2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. '' However, according to the Ohio State Bar Association, XXXX. Temporal Scope of Interest Rate Reduction- The 6 % interest cap on mortgages and mortgage equivalents applies during active service and for XXXX year after active service ends. XXXX But the interest cap reduction on all non-mortgage debts and obligations is limited to the duration of active XXXX, XXXX '' Here is the link to the reference : XXXX XXXX XXXX  XXXX Please let me know if there is anything else I need to do.
Product: Debt collection

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to Blackwell recovery and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
Product: Mortgage

In XXXX due to my medical debts as well as those of my mother who was suffering from XXXX XXXX XXXX I obtained a mortgage on property I owned in XXXX XXXX Georgia through XXXX XXXX mortgage who then sold it to Ocwen Loan Servicing , LLC . Despite Ocwen taking additional money for insurance and taxes on the property they refused to pay those saying I had not requested it in the original application ( Unusual, in that they were building an escrow for me just for that purpose ). I lost my job in XXXX, just a few months after obtaining the loan. I fell behind with payments as my resources dwindled, and on XXXX occasions, the last being in XXXX of XXXX, the property fell into default and Ocwen began to file papers to sell the property. With the passing of my mother due to XXXX XXXX and my inability to find work I had to move out of that property and let another family move into it to pay the mortgage, insurance and taxes. The property is not worth enough to pay off the mortgage even if sold. I am not able to live there, which said property has been in my family since XXXX, and the fact that I still own the property makes me ineligible for many types of public assistance.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$100.00}, XXXX XXXX  Balance Owed : {$1000.00}, XXXX XXXX XXXX  Balance Owed : {$990.00}, XXXX XXXX Balance Owed : {$950.00}
Product: Prepaid card

Reference previous complaint # XXXX. 

This is the same set of problems, nothing of which was ever actually resolved, but on a different prepaid American Express gift card. Literally NOTHING that AMEX stated in their response to the previous complaint has been done -- they simply sent the CFPB and me a 'wall of words ' and didn't fix anything at all. The new card has the exact same issues of being declined at most stores ( ex, XXXX XXXX and XXXX ). This is a shameful way to run a business, and even worse, to make claims that turn out to be false to a government agency, is appalling. 

In the previous complaint, about a prior AMEX prepaid gift card, their 'solution ' to it not working at multiple well known and established vendors was that I " use the card elsewhere. '' That is ridiculous. I want to use the card where I want to use the card, and if the retailer accepts AMEX, then why not? And since the AMEX site that sells the card ( and the card itself ) says " Your American Express eGift Card may be used at US merchants that accept American Express cards '' < -- this is verbatim from the gift card printout ... it seems quite reasonable that I should be able to use the card _anywhere_ AMEX is accepted. I can not. Transactions are routinely declined. When I speak to the vendors, they tell me that they did nothing to decline that card ... that it was the card issuer. AMEX, for it's part, wants me to just 'buy something else somewhere else. ' Insane. 

Also, their previous claim that they fixed the website, and that they fixed the phone IVR system to provide accurate card usage info -- transaction details, available balance, etc., is partly false. The website has worked intermittently ( I have done all the computer XXXX things -- cleared cache, used different browser, used different computer, etc. ), with it only displaying details about 50 % of the time. The phone system has never worked properly, and continues to not work properly. When it reads out a transaction, it stumbles and fails to provide any info about transaction amount or vendor... it simply reads out a date, then skips to the next transaction, where it just tells me 'a transaction occurred on mm/dd at [ silence ] in the amount of [ silence ]. 

If CPFB doesn't hold these companies accountable -- both for behaving appropriately in the first place, and for actually fixing the issues they tell YOU they are addressing, this whole system will collapse. Maybe that's what " prepaid accounts '' companies want (?? ). 

Attached is AMEX response from the last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$430.00} ; XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I missed a whole day of work, and asked to be compensated. I spoke with XXXX at the XXXX XXXX. My money was refunded, but now I want to Sue PNC, I for not seeing the Red Flags concerning my Hard Earned Benefits. I am sure XXXX can see, when someone retrieved my Account. Also XXXX dropped my Score XXXX points, because of Student Loans. Because of the discrimination, by being a XXXX XXXX XXXXXXXX, I have been Red- lined from big Corporations, I have received Mental Anguish from PNC , to sell my information to a Third Party.
Product: Credit reporting or other personal consumer reports

GM FINANCIAL! I have won the dispute several times regarding no late payment due to them giving me false information regarding a payment they agreed to remove it because it was not my fault the payment was late after representative gave me the incorrect information however it has not been removed! I keep having to dispute after I WON the dispute with XXXX! Nothing has been taken off and I have been fighting this since XXXX after I WIN every time but nothing is updated! 

XXXX XXXX! Won dispute as well about late payment and it hasnt been taken off! Every time I dispute they update info with OLD info. I do not have an outstanding balance with target they are paid up however they keep reporting when I dispute that I owe {$75.00} which says from XXXX it is almost febrauary. These things were been suppose to be removed and I cant get a house or anything with it out my credit after agreeing to remove!
Product: Mortgage

I have been trying to refinance my mortgage with JPMorgan -- and ever since I obtained a rate lock in of 2.75 -- they have used every delay tactic so that my rate guarantee will expire. They claim they don't get communication via their chat site -- they don't read their emails -- they are now requesting their 6th set of paystubs -- and this is after verifying my employment with my firm less than 4 days ago. 

They have asked for a written explanation why my wife changed her name 14 years ago ( marriage ) They have asked me for proof that I didn't own a property that I rented almost 17 years ago ( how do you prove that you DONT own something?? ) Oh, and I've had my mortgage with JPMorgan for 10 years - my income has doubled in this period, paid the mortgage down by $ XXXX, and regularly make extra payments -- never a late payment in 10 years. 

My issue is that JPM is continually lied that they had everything, their people NEVER get back to you, and then now they are warning that the rate guarantee will likely expire -- and that I will need to get a higher rate.
Product: Money transfer, virtual currency, or money service

I sent XXXX to Coinbase Pro at the bank account their website ( XXXX XXXX XXXX ) advertises : Account Number : XXXX XXXX   : XXXX Bank Name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX This was sent 10   days ago ( XXXX XX/XX/2019 ). My bank has confirmed that it arrived in Coinbases account. Coinbase have not answered my support ticket ( except for generic copy and pasted responses ) which was raised 5 days later. I called their customer support on Thursday ( XXXX XXXX ), Friday ( XXXX XXXX ) and Monday/ today ( XXXX XXXX ). They respond in rehearsed answers and do not tell me whats going on. This is the second payment that they have taken. Another one being made to their XXXX account on the same day that my bank confirmed was deposited into their account within an hour. 

I think they are holding customer funds to use for their own liquidity. Internet forums are full of similar stories with Coinbase. They have the worst reputation of all cryptocurrency exchanges. I should of read the forums before sending my money to Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spent numerous hours on the phone between XXXX  XXXX XXXX, XXXX XXXX and Equifax attempting to rectify misinformation about the discrepancies in reporting on : 1. XXXX  XXXX XXXX non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX and Equifax. 2. Equifax reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43  point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for XXXX XXXX XXXX dispute and a pending dispute with Equifax on state items. 

In addition, I am a paid credit card monitoring member through Equifax and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.
Product: Checking or savings account

Felony fraud by First National Bank of Omaha never addressed by previous multiple respective complaints.
Product: Debt collection

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a man called me from a Wells Fargo phone number, he told me he was from my bank and that my account was flagged for fraud. A man named XXXX XXXX was XXXX money from my account. In order for the transactions to be reversed I would need to go to XXXX and put XXXX as the First name and XXXX as the last name and the amount {$350.00} ( from my checking into the amount ) and a lady named XXXX from the fraud department would reverse the charge. He then had me put another amount of XXXX ( from my savings ) and send it to XXXX. I was getting suspicious and was on hold with Wells Fargo waiting to verify his credentials. Once an associate from Wells Fargo answered he hung up. I was on the phone for over 2 hours with my bank reporting this. Today, ( XX/XX/XXXX ) I contacted my bank and they said that the bank my funds were transferred to a bank, and that bank has been notified, but that bank has not returned my money. My bank will not give me any information so I can press charges against this person who stole money from my account. I have XXXX case # 's XXXX. XXXX XXXX. My account just 4 weeks before this, someone else stole my debit card number and went on a shopping spree, that is why I trusted this person who said he was from my bank, I really thought someone was withdrawing money from my account again. Wells Fargo has not been very helpful or even seem to care about getting my money back. Hoping someone can help.