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

USAA Savings Bank is reporting a late for XXXX, XXXX, XXXX. Due to Covid, I was having a really difficult time keeping up with all my bills since my hours were cut dramatically. I have slowly gotten back on my feet and am now preparing to buy a home. I have been a long time customer with USAA and ask that they please take leniency on these lates.
Product: Credit reporting or other personal consumer reports

Certainly, here 's a template for a dispute statement regarding the incorrect credit card information on your Experian report : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Card Information To Whom It May Concern, I am writing to formally dispute and request correction of inaccurate credit card information on my Experian credit report. The information in question is as follows : - Creditor Name : [ Credit Card Company Name ] - Account Number : [ Account Number ] - Date of Inaccuracy : [ Date ] I have made diligent efforts to rectify this issue, including providing Experian with a statement reflecting the correct information regarding my credit card account. Despite my attempts, Experian has thus far failed to correct the inaccurate reporting. 

I request a thorough investigation into this matter and urge Experian to promptly correct the inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. A copy of my recent statement from [ clearly showing the accurate account details. 
XXXX. Proof of my identity, including a copy of my driver 's license and Social Security card. 
XXXX. Any additional information or evidence that may assist in the resolution of this dispute. 

.
Product: Credit card

XXXX XXXX Requested balance transfer of {$49000.00} from Bank of America ( BOA ) to XXXX as a corresponding bank to be paid into a subsidiary bank account. 
BOA representative indicated the XXXX account number on the check, but indicated the subsidiary account number on the address line ; so, the recipient had not received the funds to date. 
XXXX XXXX BOA checked cashed by XXXX as attached. 
From XXXX  to date, I have requested BOA multiple times to recall the cashed funds from XXXX, since the recipient never received the funds. 
I continue to make regular payments on the loan to BOA, and BOA insists the recipient should deal with XXXX, which is holding on to the funds, and not returning the funds to BOA.
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. 

Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express credit card account show unknown charges and american express pulled copy of my credit report to make a unfair decision while i was still in dispute. They would not honor my rights for being a victom of identity theft and fraud. They made a decision on my acct before taking the dispute investigation is still ongoing instead they violated my rights by closing my account do to fraudulent charges that i did not give permission and or dont recognize on my acct. My social security card and passport has been lost or stolen
Product: Debt collection

XXXX XXXX Account # XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with Metro 2 Compliance Standards. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX was sent to me dated XXXX from Experian Consumer reporting agency in regards to a fraudulent dispute I submitted to Experian for accounts XXXX XXXX  acct # XXXX and XXXX # XXXX. This is the 3 attempt in the past 2 months someone has opened a fraudulent loan account in my name. After realizing my identity once again had been compromised I immediately followed specific instructions from the local authorities and completed and identity theft report which also included fraudulent inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. My file still contains fraudulent addresses that were disputed over a year ago which are XXXX XXXX XXXX and XXXX XXXX XXXX. In addition to identity theft report I specifically requested Experian to remove all other fraudulent addresses from my credit file which are still currently displaying as of today. Experian has deliberately ignored my request after receiving all necessary supporting documentation and has the audacity to include on the dispute results page 1 of 8 " If you believe you were a victim of fraud, you may contact your local law enforcement agency to make an identity theft report '' which is exactly what i did. Experian has and continues to violate Sections 605b, by not blocking the fraudulent associated accounts after being notified within 4 days, section 609, and 611 of The Fair Credit Reporting Act. I find this totally unacceptable as a consumer and If this issue is not resolved I will be forced to file suit. Any individual who has access to my personal information would be able to portray themselves as myself and Experian has failed to provide any significant physical verification obligating me to the fraudulent accounts, addresses, and inquiries listed above. The data furnisher or e-oscar automated verification is not considered to accurate verification just verifying a consumers name, address, and social security number.
Product: Student loan

My loan was finally transferred back in early XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) from MOHELA ( should never have went to MOHELA in the first place ) and MOHELA is still showing a balance on their website, and is demanding a payment to them, when they don't have the loan. I've already started making payments to XXXX since it was correctly sent back to them. 

This is affecting my credit in a negative way, as the loan is being double counted, and furthermore MOHELA is saying a payment is due, when they don't hold the loan any longer since early XXXX. They even took a payment on XX/XX/XXXX after the loan had been transferred back to XXXX. What happened to this payment of XXXX? Should it come back to me or was it sent to XXXX to be taken off the loan balance Again, I've already started repaying to XXXX this month, an MOHELA is still showing the loan balance and payment owed on their side.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX on On XXXX. On my Experian report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Name of Account : BANK OF AMERICA Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Police report proving theft and ID report filed and sent via mail. The company even agreed to errors and theft. Now I have XXXX more unfamiliar accounts from the same company that don't even have details. See attached
Product: Debt collection

LVNV Funding has not provided any form of signature or valid documentation that I signed for debt. You have continued to report an account that has already been removed by XXXX, XXXX and XXXX as it was proven to be incorrect. You are continuing to report an incorrect debt to XXXX with XXXX proof of validation. FCRA violations have continued despite the fact that you have been notified of incorrect debt. You have no legal right to hold a fraudulent debt to my account that has previously been removed by all other reporting agencies
Product: Credit reporting or other personal consumer reports

This is not a verification dispute. XXXX Account # XXXX is old and is reporting 10 years on my credit report. XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX Account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 card or prepaid card

A US Bank card was sent to my parents address in XXXX  with my name on it. It is a " Relia-card '' for unemployment benefits. I was shocked when they told me because I live in XXXX  state and never applied for unemployment in XXXX. I have called the fraud hotline in XXXX  and notified them but was advised I would not hear back for 2-4 weeks. I am very confused how 1 ) an unemployment claim could be taken out in my name without my personal information and 2 ) how US Bank is not doing more extensive security checks before issuing these debit cards. I did have to apply for and use unemployment for a few months in the beginning of the Covid break out, but have since gone back to work. The unemployment I applied for was in XXXX  state AND I ALWAYS do direct deposit. I NEVER use the debit card option. I would like to leave this complaint as an official report of fraud and to get some sort of confirmation that this is being watched or taken care or/ help with what to do next. 
Please contact me as soon as possible. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes so their has been 2 accounts on my credit score that have been showing up one is  AFNI and the other is XXXX XXXX, these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX  I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
Product: Mortgage

I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. 

After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. 

After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. 

On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. 

One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. 

Is there anything you can do to assist us in getting payoff requirements? 


XXXX XXXX
Product: Mortgage

We have had a mortgage with State Home Mortgage for 5 years. We have never missed a single payment during that time. We are now trying to sell our property and buy a new home. In order to process our new mortgage, we need the most recent statement from the mortgage we hold with State Home Mortgage. I attempted to download a statement from the user portal, but that option is not available. I have called State Home Mortgage several times, and each time I sat on hold for over 30 minutes before being routed to a voicemail. I left a voicemail each time requesting a callback. I also emailed every email address available for State Home Mortgage, including : XXXX XXXX XXXX XXXX I have not received an email back from any of these communication attempts.
Product: Money transfer, virtual currency, or money service

My Zelle feature through my XXXX XXXX account did not use to have a warning message before attempting to transfer my money.
Product: Debt collection

I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING.I have a a unverified account from CMI GROUP # XXXX. I had previously disputed this account. I have never done business with CMI GROUP # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI GROUP # XXXX I DEMAND THIS ACCOUNT BE DELETED UNTIL PROOF OF CLAIM IS PROVIDED.
Product: Credit card

I had a credit card with Discover like 5 years ago and they closed it for no reason and I had a balance on that card but it was paid in full. Since that every time I apply for a new card, I get the same message : We cant approve you at this time because of the last credit card you had with us. I dont know what the problem because they closed the card and I pay it in full. I had called several times and they dont want to give me an explanation.
Product: Mortgage

On XX/XX/2019 I made a change to my automatic payment process. This change was done online with my mortgage holder Freedom Mortgage on their website. The change was to draft from a different bank account as the current one they were drafting from was from a credit union that was going through a merger and would no longer exists so the account was going to be closed. They continued to draft from a closed account three more times adding NSF fee to my account on every failed attempt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Each attempt added a {$20.00} fee. Over a 4 week time period I had called the company on three different occasions to try and straighten things out. In the meantime they did not continue with the bi-weekly auto payments out of the new account. They added a {$19.00} late fee. I believe after the third phone call they did remove two of the NSF fee and the late fee but somewhere along the line they added another NSF fee making a total of four on my account but removing two. Today 's date is XX/XX/19. They have not gotten back to me regarding any of my complaints. Anytime I get an answer is when I call them again and again, usually because they are closed. I am in the process of refinancing and should be closing in the next couple days. I believe because of this they are in no hurry to address the problem hoping it will just go away. I had also requested to have my PMI removed on XX/XX/19 with the new appraisal from the refinancing. I currently have 29 % equity in my home and had shown proof with a written request to have it removed. Two weeks went by and on XX/XX/19 they mailed out a form that I must complete and send them {$100.00} fee for a broker 's price opinion although they received the new appraisal on XX/XX/19. Again now in XXXX 's monthly payment I have to pay an extra {$140.00} for something that by law should have been required to be removed and proof was shown. I know they have received a payoff request from the new financial institution so I think they are dragging their feet hoping it goes away with the sale of their loan.
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. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. 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 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also according to 15 USC 1681s-2, they are not supposed to 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.