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

I have wrote disputes to XXXX XXXX sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To TransUnion XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers XXXX XXXX  XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact.

Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law. 

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I received a call from Santander I had a conversation with the representative and she said if I paid on that day {$400.00} that they wouldnt repossess the car for the entire month of XXXX and I explain to them that Im selling my home in XXXX and I would be able to pay off the car in XXXX. On XX/XX/XXXX they repossessed the car when I called try to get them to work with me if they refuse to work with me anymore after the car was repossessed and they even acknowledged that they saw the note saying that they wouldnt repossessed the car in XXXX but they did it anyways I had a verbal agreement they admitted that they had a verbal agreement and broke the verbal agreement anyways I would like our car back I would like back pay for the rental cars weve had to get it also has cost us to not be able to close on our house as soon as you want to because we couldnt get to the bank to sign paperwork.
Product: Credit reporting

XXXX XXXX XXXX account # XXXX they are not showing my updated balance they need to show I have made payments or show paid in full. 
XXXX XXXX account # XXXX this is being reported incorrectly very simple investigate and updateXXXX XXXX account # XXXX they are reporting this incorrectly and need to investigate and report correctly
Product: Payday loan, title loan, or personal loan

XXXXXXXX XXXXCalled my job @ XXXX on XX/XX/18. Harassing : Rude, Hung up on me several times. Threatening to sue me and garnish wages. I am not allowed personal phone calls.Never discussed any other option. Just very rude and yelling.

Spoke to D Scott Carruthers : XXXX
Product: Mortgage

We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Delayed loan processing originally applied to SAVE in XX/XX/2024 application was unprocessed and MOHELA was requesting me to pay {$3000.00} a month defaulting to the 10 year payment plan instead of IDR, forcing me to go into forbearance as I am only making XXXX a year. I have now lost out on 7 months of PSLF payment while my account has collected interest. Based on recent events I applied to the general IDR on XX/XX/2024 and this continues to also be in application review again with MOHELA forcing me into the 10 year plan and requesting me to pay XXXX. I need to frequently call MOHELA with wait times of greater than 4 hours to have my loans placed back into forbearance. Current they are reporting that I'm two payments past due as my application continues to be processed and I can't get ahold of them with either waiting on the phone for 4 hours as XXXX XXXX XXXX XXXX XXXX  and they will not call back if I use that option.
Product: Mortgage

In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!
Product: Mortgage

XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. 
This process Get complicated because of a Health condition that happen To me and after that My divorce. 
I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. 
This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help
Product: Credit card or prepaid card

XX/XX/2022 received bofa determination letter stating there not liable for unauthorized transaction of {$5000.00} due to timeframe of filing over a year. in reality it was filed within timely manner but due to bofa rep error of not understanding filing process between transactions and transfers later found by another bofa rep while I was informing on claim he had to refile the transfer claim process in order to be valid. also mentioned he noted on claim error was on bofa rep claims.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Back in XXXX I refinanced my auto loan on my XXXX XXXX XXXX XXXX through Penfed Credit Union. As part of my refinancing process, my previous lender sent the title to Penfed Credit Union. From my interactions with Penfed credit union, my loan process was complete and started paying my loan. Out of nowhere I get a letter from PenFed credit union dated XX/XX/XXXX, that I failed to provide collateral for my loan so my rate was increased from 1.9 % to 14 %. I contacted PenFed and their representative said that they could not find my title information anymore so my rate increased even though I did not do anything wrong. Penfed never reached out to me to say there was an issue with my loan in the six months prior to this letter. Now on two occasions I have had XXXX XXXX XXXX send over the information and PenFed continues not getting or finding the information. 

The reps will not provide any alternate solutions and keep saying that I have to request a duplicate title from the Rhode Island XXXX. In Rhode Island, only the holder of the loan can request it which I have explained to them. They say they will not request the title as I am the car owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$92.00} XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX  Inquired on XX/XX/2020 XXXX
Product: Credit card

In XXXX XXXX in a med sch alumni meeting at XXXX XXXX, XXXX, NV, I signed up with XXXX XXXX XXXXXXXX under duress ( Sign up now or lose an 80 % discount ) for XXXX XXXX and XXXX XXXX XXXX for {$8400.00} which I charged to my Chase VISA. XXXX. 
Upon research, we found multiple complaints against XXXX XXXX XXXX in XXXX XXXX XXXX including outstanding lawsuits. 
I rescinded from the Contract with XXXX XXXX  XXXX in writing and by phone within 3 days and called Chase ViSA to hold payment to XXXX XXXX XXXX immediately. I was told, No Problem by Chase. 
However, in XXXX, Chase VISA went ahead and paid {$8400.00} to XXXX XXXX and started charging me interest. I disputed the payment and the interest charges. 
I discontinued the Chase VISA Credit card, and continued to dispute the charges. To stop further interest charges I paid Chase the full amount including interest. 
Finally, XXXX XXXXXXXX refunded me {$8400.00} in full and they informed Chase about the refund directly. 
I requested Chase VISA Executive Officer to refund me the interest I was charged on a disputed payment which in fact Legally Mine eventually refunded. 
Chase ViSA however refuses to refund me the interest charges approximately {$300.00} on a disputed payment which they should not have paid in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving XXXX XXXX from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to XXXX and Experian, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Mortgage

My loan was sold to State Bridge Company from XXXX. I can not get anyone to answer my phone calls at State Bridge. I have spend well over an hour on hold for days at a time. I leave messages and the messages are never returned. I filled out the paperwork to have my mortgage payment to be taken out of my bank account every month. The first month the money was not taken out and I spend over a week calling. I finally go ahold of a person and my mortgage was taken out of my bank. My second payment still has not been taken out and I can not get ahold of anyone!!! This is so frustrating. I do n't want to pay online because I fear that I will then be double charged. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I came upon certain negative remarks on my credit report. I have asked the companies to remove the items and they have not. I have no recollection of the items and sincerely ask for them to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies found in my credit report, which have not been adequately addressed by XXXX and TransUnion, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to dispute the inaccuracies with XXXX and TransUnion, they have failed to conduct a proper investigation and have instead verified and updated the erroneous information. Upon reviewing my credit report, I discovered several violations of the FCRA, including inaccuracies in account numbers, account types, dates opened, number of terms, high credit amounts, dates last reported, dates opened, dates last active, and dates of last payment, totaling 8 violations in total. 

As a consumer, I am entitled to accurate and fair reporting of my credit information, as outlined in the FCRA. The failure of XXXX and TransUnion to address these violations in a timely and appropriate manner constitutes a clear violation of my rights under the FCRA. 

I demand immediate action to rectify the inaccuracies in my credit report and provide compensation for the violations committed. Pursuant to the FCRA, I am entitled to {$1000.00} in compensation for each violation. Based on the number of violations found, I request compensation totaling {$8000.00} for the 8 violations identified.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the reinvestgation under XXXX of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or XXXX be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the accuracy of acceptance Now on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since 2020. There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Checking or savings account

The bank froze my account and I demand it to be closed I tried numerous times to close my account and I just cant find a way
Product: Checking or savings account

On XX/XX/2023 XXXX  bank stole {$3000.00} of my money and refused to return it the same day. They automatically debited my account 3 separate times. The first one was authorized but the next 2 were stolen. This is a crime and they need to be prosecuted for it. I am reaching out to you first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, U S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, And according to the FRCA 15 USC 1681everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX, XXXX, and TransUnion for their ongoing, willful failure to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Their actions demonstrate a blatant disregard for consumer rights, as evidenced by my repeated attempts to resolve these issues through proper channels. Despite providing ample time and all necessary documentation to address the issues in my dispute, the credit bureaus have not corrected the inaccuracies on my credit report, nor have they addressed the issues in a lawful and timely manner. 

Additionally, I have attached a police report pursuant to the FCRA as part of the evidence provided. This police report further supports my claims of inaccuracies, unauthorized accounts, or fraudulent information on my credit report. Despite providing this formal evidence, the credit bureaus have continued to fail in their legal obligations under federal law.
Product: Debt collection

Spring Oaks Capital SPV , LLC has violated 15 USC 1692 c ( c ) in attempting to collect the debt after I sent a letter containing a cease and desist. All proof and documents are provided below in the attachments.
Product: Debt collection

I been victimized with identity theft and communicated this with the companies they still harassing me