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

My issue is with XXXX and Transunion. I am submitting XXXX letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after XXXX calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to XXXX different representatives and XXXX different supervisors from each company ( XXXX people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the XXXX late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?
Product: Credit reporting or other personal consumer reports

I noticed an authorized account with adverse information on my reports from credit bureaus that I didnt initiate. 
XXXX XXXX  - authorized account- date opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX   XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXXXXXX  and XXXX XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im  TRYING TO BUY A HOUSE
Product: Mortgage

This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX.has continue to keep inaccurate information on credit report. Damaging my character. I will move forward to report Equifax, XXXX XXXX XXXX to ATTORNEY GENERAL 'S OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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 card

I contacted Prosper Credit Card after my account was closed due to nonpayment, explaining that I was experiencing financial hardship and requesting to enroll in a hardship program to pay off my debt. However, my email went unanswered, and I continue to receive negative marks on my credit report as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.
Product: Mortgage

I am SO grateful and thankful to the CFPB for your investigation of Ocwen. I have submitted a FOIA request asking for verification of Ocwen 's fulfillment of the XXXX payment requirements of the US District Court consent judgement. 
My complaint ; what about the additional Ocwen victims not covered in the US District Court Consent Judgement who were forced into unnecessary forced bankruptcies to avoid unsubstantiated foreclosure by Ocwen. Forced to spend money on attorney and bankruptcy fees, unsubstantiated costs while in bankruptcy and the consequences of a bankruptcy on one 's record. These victims have not been abetted. 
I think that if I started a blog requesting victims respond I am of the opinion numerous victims would respond. 
When forced to file my unnecessary bankruptcy the bankruptcy judge asked me " why are you filing bankruptcy with only 1 creditor ( Ocwen ) and all this money in the bank. '' I told her Ocwen refused to communicate with me even though I tried calling, emailing, mailing to no avail and that it was a culmination of a 20-year battle with Ocwen trying to steal my home. 
I can tell you if it was not for the CFPB and the Texas Attorney General 's office soliciting a response to my complaint about Ocwen while in bankruptcy, Ocwen would not have followed the provisions of my bankruptcy. They had already operated in the bankruptcy contrary to Consent Judgement Settlement Term Sheet, Paragraph 1 Foreclosure and Bankruptcy Information and Documentation and sent me numerous letters referencing actions and making demands that were contrary to the requirements of the bankruptcy. My complaint, once again what about the victims forced into unnecessary bankruptcies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Debt collection

I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX Support XXXX XXXX ( 2 hours ago ) to me This is an important message for XXXX. If you are not this person, please disregard and delete it. 

Hello XXXX, Thank you for reaching out. 
You currently have XXXX. 

XXXXaccount has an outstanding balance of {$1300.00} with XXXX XXXX XXXX that defaulted on XX/XX/2017. 

This account was originally from an online tribal lender and a separate complaint was made against XXXX  dba Blue Chip Financial back in XX/XX/2017. Apparently, XXXX dba Blue Chip Financial sold the account to XXXX XXXX XXXX who never contacted me, and now the account was sold to XXXX XXXX. 

I do not owe {$1300.00} and I originally discussed this with the original company who refused to acknowledge that they illegally engaged in payday loan practices with me living in California and they are a tribal lender.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion XXXX XXXX Subject : Credit Dispute Due to Identity Theft My name is XXXX XXXX, and I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report. I have recently become aware that I am a victim of identity theft. Upon reviewing my credit report, I noticed multiple unauthorized accounts, inquiries, and debts that I have no knowledge of, as I have never Utilized my credit. 

The following items are fraudulent and should be removed from my credit report immediately : Auto Loan : XXXX XXXX XXXX Outstanding balance : {$4800.00} XXXX XXXX : XXXX Bank : {$750.00} Capital XXXX : {$470.00} XXXXXXXX XXXX : {$700.00} Hard Inquiries : XXXX Auto : XX/XX/XXXX FlXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that all of these fraudulent accounts and inquiries be removed from my credit report. I have never authorized any of these accounts or inquiries, and they are the result of identity theft. 

Please investigate these claims and provide written confirmation that these items have been removed from my credit report. I appreciate your prompt attention to this matter to help restore the accuracy of my credit file. 

Thank you for your time and assistance. 

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

Subject : Equifax 's Failure to Properly Investigate Disputed Information Description : I am filing this formal complaint against Equifax for failing to conduct a proper investigation into disputed information on my credit report. Despite providing clear and detailed evidence of inaccuracies, Equifax relied solely on the information provided by the furnisher, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 

The dispute concerns an account from XXXX, account ending in XXXX. This account is reported as charged off, with a balance of {$430.00}, a credit limit of {$200.00}, and a delinquency first reported in XX/XX/XXXX. However, there are multiple inconsistencies and errors in the reported data : Charge-Off Amount Discrepancies : The account shows a charge-off amount of {$460.00}, yet the reported balance has been stagnant at {$430.00} since XX/XX/XXXX, despite no actual payments being recorded in this period. 
Inaccurate Payment History : The payment history shows inconsistent reporting, with {$25.00} recorded as an actual payment in XX/XX/XXXX, while no scheduled payments are listed for that time. 
Repeated Charge-Off Reporting : The account has been reported as " charged off '' every month since XXXX, which is misleading and detrimental to my credit report. A charge-off is a one-time accounting event, and its continued reporting month after month unfairly inflates the negative impact on my credit score. 
Delinquency was first reported XX/XX/XXXX despite the account being charged off since XXXX. 
Account was opened in XX/XX/XXXX yet there is no payment history from XXXX XXXX XXXX Account is a closed charged off account but yet the balance is reported as past due, Prolonged Inaccuracies in Reporting : Equifax failed XXXX verify or correct these inaccuracies despite my submission of supporting evidence. 
XXXX response to my dispute indicated no changes to the reported data, suggesting that no meaningful investigation was conducted. By ignoring the evidence I provided and solely relying on the furnishers response, Equifax failed to meet its duty under the FCRA to ensure accurate reporting and to conduct an independent review of disputed information. 


**Attachments : ** I am including my dispute documentation, along with a copy of my Equifax credit report, highlighting the inaccuracies in the XXXX account reporting.Desired Resolution :
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late. 

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) DISCOVER BANK Account Number XXXX XXXX Dates that need to be updated to current XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report
Product: Debt collection

CRME Financial Services , Inc is the debt collector. I have asked previously for them to not call me, which they call me non stop every day multiple times a day. 

Now they send a text message with MY persons information on it. Including a picture of the bill, and a link to the bill. I have not confirmed if it was me or not, but if it was not me I do not think it is right to share someone information through text message, when it could be the wrong number. That is my private information, and a violation of my privacy. 

Not only this but I have NEVER given written or any kind of consent to be contacted by text messages. Their text also does not include anything about an opt out option on there. 

My consent and no opt out is something they have to include regarding Regulation F. 

I called and asked for my number to be removed, they wont unless I confirm it is me or not. Which they stated they knew the law and it was basically okay for them to text any number with my info, they didnt need consent, or an opt out option.
Product: Credit card

Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.
Product: Mortgage

Late last year finances were getting tight. By XXXX we were 2 payments behind ( with the third due ) but I called in XXXX to make a payment. I was told that they would not accept XXXX payment but that I needed to make 2 payments in order for them to accept it.We were waiting on some funds so I could not make the two payments. They told me that it would be ok and to just wait until the funds came in and pay it as the two payments. I expressed concern about the house starting foreclosure. I was assured it wouldnt.

Two weeks later I had the two payments. I called and was once again denied now being told that I needed 3 payments in order for them to accept. I suspended all of my bills to get the three payments ready. This took me 2 more weeks.

I call to make the payments I am then told that they can not accept ANY payments unless I can pay all XXXX because the house is now in foreclosure. I didnt receive any written notice about it going into the foreclosure process, nor was I told when I was on the phone. I was told to submit documents for their loss mitigation program in order to save the house. I do so. 

The required documents kept changing of what was required. I submitted everything that was requested. After about 2 - 3 weeks, they finally had everything. By XXXX of this year my husband received his XXXX and was granted retro pay. We had enough to make all of the payments in one lump sum. So We called and after being given the run around of why they couldnt accept the payments, we finally were able to speak to a representative and make the required payments. We paid the full amount of what was due. We were told that it was pulled out of the loss mitigation program and going forward we would be able to resume normal payments. 

XXXX comes and Im not able to pay my bill through their website, app, or automated phone, and extremely high wait times. Because of this great inconvenience, my payment was late. After a few days I am finally able to reach a representative. The payment is made, including late fees. I am told that everything is now up to date and I can resume normal payments again. 

Come this month, XXXX, I am met with the same issues as last month. I am now told that I have additional fees of {$2000.00} that also need to be made on top of my normal mortgage amount. The fees can not be detailed. The representatives are being uncooperative and saying that they can not accept payment for the mortgage until I speak with 'customer service ' that is opened XXXXsometime ' tomorrow. I asked to speak to someone else, a manager.. I am being denied. I asked to file a complaint. Im not allowed to do so .... 

We did not pick this mortgage company. Our mortgage was sold to them. 

This treatment, this practice is unfair and should be criminal. It seems they are doing everything to force people out of their homes by denying payments. 

The mortgage company is CitizensOne.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFRB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help.
Product: Credit reporting or other personal consumer reports

I received a statement that my payment history was inconsistent with the credit bureaus. My lease with XXXX XXXX was paid in full and satisfied on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a letter from XXXX stating that I had been charged {$420.00} for an unknown amount. After contacting XXXX, XXXX of their representatives stated, " The payment is for some type of state taxesXXXX XXXX The representative went on to say the credit bureau XXXX was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX XXXX XXXX. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from XXXX XXXX. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Product: Checking or savings account

On XX/XX/XXXX @ XXXX i received an notice in my email from Ally bank stating they were going to close all my accounts on XX/XX/XXXX. There was no reason for the closure listed. That night I spoke with 2 different representative, both of whom, could not find any reason for the closure either. I was instructed to call back during the day. I called back on XX/XX/XXXX @ XXXX and spoke with another representative who again could find no reason. She then said she could speak with the " back office '' and they would know. After a long time on hold she returned and stated the " back office '' refused to state why my accounts were being closed, but did say it was a compliance issue. That is all the information they would tell me. 
I requested an extension prior to them closing my accounts because I am XXXX and recieve XXXX XXXX on the XXXX of every month. I had already switched my direct deposit info for my SXXXX XXXX but it takes 30 to 60 days to go through. Ally told me that was my problem and that no matter what my accounts were being closed on XX/XX/XXXX. The representative then said she couldn't have me any further and hung up. So now I am left in a huge situation financially and I have no valid reason for any closure. I have been with Ally since XXXX. I have never received a warning or been told there was any problem with my accounts. This is a devastating situation for me XXXX Ally could care less.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received notifications from the moneylion app that there were multiple transactions that took place in the early evening. These transactions were not from me nor were they approved by me. XXXX of them were instacash payments in the amount of {$100.00} each. And XXXX in the form of a credit builder loan which I also did not approve of or request in the amount of {$1000.00} which {$350.00} was sent to an individual I do not know. Also this person signed up for an account that was {$10.00}. In total these fraudulent transactions were for the total amount of {$750.00} that I did not request nor approve.
Product: Credit card or prepaid card

My credit cards and debit cards were used for cash advances at XXXX XXXX in XXXX ca for over XXXX. U.S. Bank will not look further into the transactions because they state the embargo chip was present during purchase. 
My cards are unsigned and voided and the merchant still took them against VISA regulation 1.4.3.4. I spoke to the merchant and even did a test transaction with a someone elses id, and signed no and they still gave me XXXX dollars. Blatant negligence in protecting the consumer.