23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OCWEN Loan servicing on behalf of XXXX XXXX, engages in unethical business practices and predatory lending by offering loan modifications in lieu of foreclosure, that take complete advantage of the consumer. 

In XX/XX/XXXX, I was offered a modification ( Shared Appreciation to lower my principle balance ) that was acceptable to both me & Ocwen/XXXX XXXX when my Father died, and I became behind on the payments. I reinstated this loan as soon as I was working, and Ocwen/XXXX XXXX RECINDED the Shared appreciation reduction in the form of a {$50000.00} a balloon payment, AFTER having me declare it as income because the loan was current!! 
Still, I paid faithfully until XX/XX/XXXX when I lost my job. Since then, I have been working part time, and have " successfully qualified for a modification to have my loan remain current ; '' IF I make three " trial payments '' successfully. 

OCWEN/WF provided a trial monthly payment that was barely feasible, and I was to pay it on time for 3 months with NO INFORMATION ON THE " AGREEMENT '' I WAS PAYING TOWARDS! 

I successfully made the 3 trial payments ( XX/XX/XXXX-XX/XX/XXXX ) and was FINALLY sent the modification loan documents that had been previously withheld -- I REFUSE TO SIGN THIS AGREEMENT! IF I sign these papers, I will now have a new 30 year loan, AND a {$110000.00} balloon payment!!! 

When I inquired as to the loan balance on my current loan, they refused to give it to me, until a property inspection could be done!! 

OCWEN/XXXX XXXX makes it VERY clear in these new loan " modification documents '' that they do NOT have to make any such offer & will pursue foreclosure if I do not agree to the terms, unless I can reinstate the current loan ( that they refuse to tell me what I owe on )!!!! 

OCWEN/XXXX XXXX also added TENS OF THOUSANDS OF DOLLARS IN FEES to the loan balance! 

This is PREDATORY LENDING!!!! They have me in a very bad position with no choice other than to agree to these PREDATORY LENDING TERMS!! 

I would like someone to review this on my behalf -- XXXX XXXX has been shown to have unethical business practices in banking, and OCWEN is involved in a class action suit regarding their collection practices. 

I have absolutely no doubt the terms as they have been withheld & then presented ONLY AFTER I made 3 payments, violates a number of rules.
Product: Money transfer, virtual currency, or money service

I submitted a portfolio transfer to XXXX on XX/XX/year> and it has been held up since. I have repeatedly tried to contact support for four weeks. They have said they will respond to me with another team but I have received no replies to my email/messages for help and no one from XXXX has contacted me.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX and XXXX have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call on XX/XX/XXXX from an agent from cbcs trying to get me to validate a debt that is being held in their office..I answered the call because I have asked the collection agency not to call me any further because I pay this debt directly to XXXX and I have been since XX/XX/XXXX, cbcs has not adhered to my request ... They have gone to the extent to call me from local numbers which I answer because of the area codes ... I am asking that cbcs to not contact me any further and to release this collection back to XXXX..The payments are made directly to XXXX under my account number which was generated by XXXX ... I do n't owe cbcs and they are continuing to harass me on a daily basis..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these convergent accountS have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 section 604 A. SECTION 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

Accounts as follows 1XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX - Balance of XXXX Open date open XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX 4. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXXXXXX XXXX XXXX- balance of XXXX Open date XX/XX/XXXX 7. XXXX, XXXX. 
Balance of XXXX. 

Inquiries XXXX. XXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 1681s-2 they are suppose to 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

The List of Companies That Have Violated My Federally Protected Consumer Rights and confidentiality UNDER 15 USC 1681! 

In accordance with the Fair Credit Reporting Act, Account # XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX  Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX Account Number # 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 

In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 



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Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that Equifax had made multiple unauthorized inquiries on my credit report, which is a clear violation of the law. When I opened an Equifax account on XX/XX/XXXX to monitor my credit, everything was fine until I realized they were charging my account just XXXX weeks later, instead of the agreed-upon XXXX period. Despite my insistence that they close the account immediately, the employees kept trying to force me to verify the transactions. When I demanded to speak to a supervisor, they arbitrarily ran more than XXXX to XXXX inquiries on my credit without my consent. This is illegal and unacceptable. I never authorized them to run my credit in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
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 XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : US DEPT ED # XXXX Account Name : 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 card

Chase is now offering a Chase plan where you can put a plan to a large credit card charge that you do, and you can pay on a monthly basis and they charge a fee, however that is not my problem. 

My problem is that if you have more than one plan at the same time and you want to pay off one of the plans you need to pay both plans so it does not make sense that chase is not letting you pay off the plan when they said that you can, and now forcing you the pay both plans if you want to pay off one. This a UDAPP violation to the consumers, because they are forcing you the pay everything so if you can't they will still charging you the fee. If a customer one to pay off a plan we should be allow to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, 

I Have Previously Disputed This Item With XXXX  & TransUnion XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX & COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO XXXX  OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED IMMEDIATELY
Product: Credit card or prepaid card

Opened a TD Bank XXXX Financing Account to purchase a XXXX phone. Traded in two devices to receive promotional credit towards cost of phone. XXXX never processed the trade ins and have revoked my trade in credit. Was supposed to receive XXXX USD in trade in credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home in XXXX of XXXX in XXXX XXXX Md thru XXXX Mortgage for $ XXXX when I looked at my credit report on all XXXX bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these XXXX mortgage showing on my credit profile asap. 

XXXX Mortgage act ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements.

The account is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in or on my report that are in accurate and without my consent and still reporting...
Product: Student loan

I have been with Stratus Financial since XXXX of XXXX and they have not reported my credit once. So in XXXX of XXXX I reported them with CFPB and on XX/XX/XXXX i was sent an email saying they will start reporting my credit on XX/XX/XXXX and still I have nothing and it is XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX {$1700.00} XXXX XXXX XX/XX/2018 {$1200.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX  XXXX {$1700.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I have received my XXXX XXXX which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any XXXX  reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and Experian just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up
Product: Credit card

WELLS FARGO DISPUTE DPT Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I provided, on time, to open and, on time, to appeal after this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for.

WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. 
I tried to appeal several times without without having adequate support by WellsFargo
Product: Debt collection

Debt was fraudulently reported to credit agency, and can not be verified. The company reporting the debt claims they obtained it in XXXX, based on a " previous debt '' originated in XXXX. The company has made no attempt to collect, but has reported this fraudulent debt to XXXX, who then has taken action against my credit. I have never owed debt to the original creditor XXXX XXXX XXXX XXXX ), and this debt is the result of identity theft or fraudulent reporting practices.
Product: Credit reporting or other personal consumer reports

I have an unknown fraudulent account from XXXX XXXX XXXX being reported on my Transunion, XXXX and XXXX. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/ Bal {$0.00}