23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 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. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for XXXX form and was not provided that
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with either of these companies, and the information they reported on my credit report is completely inaccurate. Under XXXX XXXX. XXXX, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts were opened in my name without my authorization. I contacted all three major credit bureausXXXX, XXXX, and TransUnionto dispute these accounts and provided supporting documentation. 

XXXX and XXXX promptly investigated my disputes and removed the fraudulent accounts from my credit report. However, TransUnion continues to report the accounts as " verified '' despite my efforts to provide proof of identity theft. 

One of the fraudulent accounts is with XXXX. I recently received a letter from XXXX confirming that my name will be removed from the account due to the fraudulent nature of its creation. Despite this, TransUnion has not taken action to remove the account from my credit report. 

I have requested TransUnion provide documentation and the " method of verification '' for these accounts under my rights in the Fair Credit Reporting Act ( FCRA ), but they have not provided a satisfactory response. 

This inaccurate reporting by TransUnion is causing significant harm to my credit profile and adding undue stress. 

I request the CFPB 's assistance in ensuring that TransUnion : Conducts a thorough investigation into the disputed accounts. 
Removes all fraudulent accounts from my credit report, including the XXXX account. 
Provides a detailed " method of verification '' for how these accounts were verified.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Deposited check of {$1500.00} on XX/XX/year>. They placed a hold and was to make {$220.00} available on XX/XX/year>. They did not make money available. When called they had no answer. 
The remaining {$1200.00} is to be available on XX/XX/year>. I am a senior citizen trying to pay bills and buy groceries, bank apparently could care less.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I inherited an IRA from a parent, Merrill Lynch has made it nearly impossible to get the funds transferred into my name, there is no way they will do this without charging me to clean out the account, and I have been trying for about XXXX weeks to get the funds transferred into my other account at another financial institution. I have called Merrill about XXXX different times and each time I call they state I need to do something new and different from what they told me last time to transfer the funds, they made me fill out paperwork that they allege is not compatible and that it is the other bank 's fault. Despite being the sole beneficiary of the account, they won't move it into my name so that the funds can be transferred even though I filled out and had notarized an affidavit of domicile and all other required documentation with account information for the funds to be moved to XXXX XXXX. XXXX now states that they are using an automated system to transfer funds that they can not read whatever transfer requests, they also deny getting my requests to transfer the funds from XXXX and have chosen to ignore my paperwork submitted to Merrill. This is astonishing because there is a dedicated department for this, and it seems to be that they just do not want to transfer my funds after making me listen to their speech about leaving them there about XXXX different times. Every time I call, they have a new excuse and a new thing for me to do that they did not tell me last time in order to transfer my request. They want to charge me {$50.00} to transfer the funds to my name that are legally mine.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested via telephone and certified letters full validation and assignment contract. I did not received anything I requested
Product: Credit reporting or other personal consumer reports

There are inconsistencies reporting on my credit report, I've reached out to all agencies regarding the matter and have not received a response. I asked that a thorough investigation be conducted requesting for original signed documents with correct dates. 


Account info Account name XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Closed. {$13.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance - Terms XXXX  Months Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been asked to verify the accuracy of 8 accounts from XXXX XXXX XXXX on XX/XX/2021. Account XXXX XXXX has receive several documents from me over the last before XX/XX/2021 to include but not limited to Notice of Default and Opportunity to Cure where XXXX XXXX XXXX has failed to answer all doc sent by registered mail. Included in the documents they have received is Notice to Cease and Desist. At this point Both XXXX  and XXXX have removed these accounts because XXXX XXXX XXXX is one of the unscrupulous 3rd party debt collectors. Despite the Notice To Cease and Desist Equifax claims to have verified the accuracy of these 8 accounts. XXXX XXXX XXXX XXXX has violated my rights again by verifying these accounts or Equifax has not done an investigation as required by law upon request and is in violation.
Product: Credit card or prepaid card

I have been a credit card customer of HSBC for over 10 years. During that time I never had problems making payments earlier than those scheduled through autopay. Recently HSBC boasted that they had a new and improved platform. However, what has really happened is that it is impossible to make an early payment with the new format. This happened first last month and it took about 35 minutes on chat to get the payment made which was essentially the minimum amount from the checking account approved for autopay. Simply stated, rather than waiting for autopay to take the payment, I wanted to make it two week early to save interest. Again this month I was unable to make the early payment and after about 40 minutes and this time TWO ( 2 ) CUSTOMER SERVICE REPS they concluded it was not possible to make early payments once autopay was ON. 

This is fraud. The idea of autopay is to avoid the absurd and obscene late charges that HSBC seems to love. To prevent people from paying early seems to feed the greed of HSBC. From the recent position statement of the CFPB, it seems the Bureau is interested in all this sly and dirty dealing done by banks. This is a prime example. It is greed that prompted HSBC to institute this " new and improved '' platform. More lies.
Product: Debt collection

Can not collect on a discharged debt. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF
Product: Checking or savings account

I had Wells Fargo since XXXX  and it was alright at first but after awhile I start getting charged overdraft fees for no reason back to back and I also and a automatic payment coming out for XXXX and I cancelled that and they still took my money and I put me in a bad situation
Product: Debt collection

According to XXXX v Transunion 1997. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY.This account violates these laws : 15 USC 16811, 15 USC 1681s2. 15 USC 168115, 15 USC 168leb. Delete ACCOUNT ]
Product: Debt collection

Dear Sir/Madam ; Out of the clear blue I received a DEMAND FOR PAYMENT letter from a XXXX  law firm called Linebarger Goggan Blair & Sampson, based in TX but with an office in XXXX CO. The letter screamed SCAM. They claim that I owe money for a toll on XXXX. I do not believe that I have ever even been on XXXX in my life, they want {$83.00} for what I assume is a $ XXXX dollar toll. They claim that they have made previous notices to me but not how or when and I have never in my life even heard of this company. 

The letter reeked of being a scam so I googled the company and discovered a very long list of complaints about this organization and their unscrupulous business practices. 

If I did incur a toll I would be happy to pay it, but not {$83.00} for a scammer. 

Can you please investigate this firm?
Product: Credit card

My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 
There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. 
Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. 

If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. 
" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!
Product: Debt collection

Complete credit solution is the collection agency the original creditor is XXXX XXXX. I took the loan out for XXXX dollars and complete credit solutions is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out XXXX  years ago so the reporting on that was inaccurate also.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Update Missing Rental Payments Dear TransUnion, I am writing to address an issue with my rental payment history reflected in your records. Upon reviewing my TransUnion credit report, I noticed that my rental payments for XXXX and XX/XX/XXXX under the account with XXXX have not been updated. 

I have included a copy of my rental ledger, which confirms that payments for these months were made in full and on time. The details of the rental account in question are as follows : Account Name : XXXX Account Number : XXXX Rental Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I kindly request that your company investigate this matter and update my rental payment history accordingly. 

I would appreciate confirmation once the update has been processed. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, Experian and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.
Product: Credit card

There were checks deposited into my account through an ATM. Each check was worth between $ XXXX- {$650.00}. XXXX checks were deposited. As soon as they were deposited, they were immediately withdrawn from my account through an ATM. The checks were then returned, and then my account was overdraft and charged {$12.00} for each returned check. I filed a claim with the bank, but they denied my claim because they said that I did not file a claim soon enough. The activity started on Tuesday XXXX XXXX, 2015 and I filed the claim on Thursday XXXX XXXX, 2015. My account is now at - {$7000.00}. I live in XXXX, XXXX. the checks were deposited and withdrawn at an ATM in XXXX. I have never been to XXXX. I can provide evidence to show where I was during the time of these deposits and withdraws. If they looked through my banking history, since I have been with them for 5 years, they would have realized that this was not normal activity on my account. The fact that they let some withdraw {$3000.00} from the ATM in one transaction is beyond me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and sale failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I had an account with XXXX  and a ticket for XXXX was bought through them by a family member, that was to pay off the debt but didn't XXXX went ahead an charge off the debt then write off the debt and also sold it to a third party, you can not write a debt off your account and then sold it to a third party to collect the funds for you it is fraud and taking from the government .by law if an account is writingoff I suppose to get a XXXX form. And I did not.
Product: Credit card or prepaid card

In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Delete. I've proactively remembered this report for 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 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