23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : XXXX Customer : XXXX XXXX XXXX ( XXXX ) I called on Friday XXXX in the morning to have {$200.00} moved from my IRA into my checking. The representative stated it would take XXXX hours and today XXXX when I called she stated it would take XXXX to XXXX hours almost XXXX days to make the transfer. 

The funds were already removed from my retirement account but are not reflecting on my checking account. 

Please make transfer as requested. 

{$200.00} Representative XXXX Confirmation Number : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This is a two fold complaint regarding XXXX, who is now Regions Bank. 
XXXX ) This company has been charging me a {$30.00} late fee on both loans I have with them, for at least 3 years. The law in Indiana stipulates the late fee can not exceed {$25.00} per loan. I compute that I have been overcharged late fees in an amount exceeding {$470.00}. 
2 ) These people call so incessantly that I finally blocked their phone number, because they also email me. I have, on at least three occasions, responded to their email and told them my intentions on when and how much I would be paying. I also asked them to stop contacting me, unless I do not do what I have already told them, in writing via email, regarding the payments. They continue to email. It's interesting to me that they can email me incessantly, but when I respond, and tell them what I can do, and when, they do not respond, nor do they honor my request to stop contacting me so frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX  and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax. 
i previously issued a complaint and Equifax said they fixed it, but nothing has changed and the problem still persists.
Product: Mortgage

Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.
Product: Credit card

In XXXX of 2023, I transferred {$1000.00} from my XXXX  credit card to my Bank of America credit card, XXXX claims they never received the {$1000.00} payment and BOA say they did pay the {$1000.00}. Since then I've been paying on XXXX separate {$1000.00} credit cards and interest.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Mortgage

I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX a XXXX  single mom from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ny XXXX wiriting this complaint under distress and suffering from a low credit score due to unauthorized inquires in my consumer report. I recently pulled my credit report and noticed several negative accounts that DO NOT belong to me. This is making my credit score poor. I have reached out to all 3 credit agencies. Transunion, Experian, Equifax and they refuse to help me to investigate and remove. This is draining and i am doing my best. I need HELP. I will be listing the accounts and all attachments needed. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN, DOB, full address and driver 's license have been stolen from Equifax 's database. This is outrageous, as they are the ones that are supposed to protect this data. I am now at risk of identity theft and fraud, because they did not properly protect my personal and very sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Product: Credit reporting or other personal consumer reports

I have never been late on payments for the account : XXXX - XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

I have a loan on a car I purchased with a loan from One Main Financial. I took out a {$500.00} loan after this. They said it was XXXX of XXXX. I don't recall the exact time but thought it was longer ago. I have a XXXX XXXX XXXX. The engine died and I called them for a pay-off amount and they told me it was XXXX dollars. The car cost {$5000.00}. I ended with a loan of about {$8000.00} XXXX or XXXX years ago. Now they tell me that because I took out a measly {$500.00}. loan it was a total refinance of the entire loan. They said it became a {$10000.00} loan. I would never have agreed to this if I had understood what was happening. I am not stupid and I believe they pulled a fast one on me and used deceptive practices for the refinancing. I had to purchase another car and could not include the money I still owed on the XXXX, so now I will be paying on XXXX cars and one doesn't even run. I can't afford both payments. Is it legal to finance the interest that is being paid on a loan? I want to resolve this without going to a lawyer but I will if I have to in order to get satisfaction.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Experian, requesting the method of verification for items on my credit report that were reported as verified. In my request, I specifically asked for the date you contacted the creditor/furnisher, contact information for the creditor/furnisher, the name of the person who verified the item, the method of communication used to verify the information, and whether the creditor provided my Social Securi

ty Number, address, and date of birth during the verification process. Despite submitting this request over four months ago,
I have yet to receive any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive information regarding how my disputes were verified. Experian 's failure to respond to my request is a violation of my rights under the FCRA and impedes my ability to ensure that the information on my credit report is accurate. 
I am attaching a copy of my original dispute letter sent to Experian as evidence of this issue.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I sent money to my husband and he never got it, this happen in XXXX it was XXXX. I called Bank of America and they told me that it was nothing they could do for me, because it was my responsible to make sure it was the correct account and person I was sending the money to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


Inquiry XX/XX/XXXX
Product: Debt collection

In the last two weeks I have received three robo calls from Harris and Harris , Ltd. in XXXX, Il. I have no indebtedness and an excellent credit rating. There is absolutely no reason I should be receiving calls from this agency. Each time they call, they leave a different number for me to call. I have yet to return their calls because I believe to do so will just further complicate the matter ( based on others ' experiences ). I was required to answer some of your questions in ways that do n't really apply here. For instance, I do n't know if they think they have some indebtedness information on me or my wife or one of my grown children. I just know they are harassing me.
Since 2003, the number they are calling has been on the do not call registry.
Product: Credit card

I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX US SM BUS ADMIN DA Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Capital one ran a unauthorized credit inquiry on my credit causing my credit to take a hard hit and drop by XXXX XXXX Ive had previous issues with this bank due to fraudulent accounts being opened in my name not too long before this just happening in XXXX XXXX XXXXXXXX after multiple attempts to have this problem resolved with the company I was told they did not have the capabilities to fix the issue and to proceed to direct me to call XXXX and my bank.
Product: Debt collection

IQ Data sent me a letter claiming that I owed {$3700.00} on XXXX I sent a verified letter disputing the debt. The debt was Purchased from a current company owning an apartment complex I used to live in. I never rented from this company, the building was sold to this company after I moved out. I never owed any money to my previous complex before I moved out. This debt is also from the year XXXX, and I was only contacted this past XXXX, I have never been contacted before then. In the letter I sent, I asked for the company to verify the debt and they didn't send me anything back. They did not send disclosure or info about verification. They also did not mark on credit report as that this was disputed. These are violations of FDCPA
Product: Debt collection

Key Issues : Disputed Charge : {$220.00} charge appeared on credit report Transferred from XXXX XXXX to XXXX XXXX to American Coradius Resident from XXXX with claimed perfect payment history XXXX XXXX XXXX Claims : Says they sent multiple notifications about balance Claims no unit condition form was submitted States emails were sent and opened Says no forwarding address was provided Provided screenshots of alleged communications Resident 's Counter-Claims : Denies receiving any notifications States unit condition form was submitted but ignored Never received mail communications No access to payment portal/history Claims falsification of delivery records Legal Violations Alleged : FDCPA 807 violations ( false representations ) Falsification of mail delivery records Failure to provide proper debt validation Denial of access to payment history Improper notification procedures
Product: Credit reporting or other personal consumer reports

Unfamiliar inquiries on my credit reports and Accounts I have no knowledge of. I didn't give my permission/concent. Information involved in databreach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

Lending Club sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. Lending Club will not note it. They did on my other loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the Bureau issued an order against Equifax , Inc. and Equifax Information Services LLC ( collectively, Equifax ), one of the largest consumer reporting agencies in the country. Equifax collects and organizes data on most adult Americans to generate consumer reports, which it sells to creditors and other businesses that evaluate whether to offer consumers loans, jobs, housing, and certain other products. To promote the accuracy and fairness of information in consumer reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies, like Equifax, to forward notice of the dispute to the company that originally provided the information ( called the furnisher ). FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau found that Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. The Bureau also found that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server. The order requires Equifax to come into compliance with the law and pay a {$15.00} XXXX civil money penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt