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

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the XXXX pandemic, following XXXX XXXX XXXX due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to XXXXXXXX XXXX XXXX 

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

We are sending a Notice of Error as noted below. 
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. 
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. 
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. 
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account
Product: Debt collection

this debt collection company Portifolio Recovery in the amount of {$620.00}. Identify as the original creditor, as such, I have not had any account which a portifolio recovery company that was opened XX/XX/year> ( 4 years, XXXX ) ago. I was critical ill during this period of time where I was hospitalized in intensive care by that XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting or other personal consumer reports

I am writing this letter as a follow-up to my initial complaint expressing my deep dissatisfaction and heightened frustration with the ongoing presence of fraudulent items on my credit report. Despite my earlier efforts to rectify this issue, the persistence of these inaccuracies is causing significant financial distress and emotional turmoil. 

My previous correspondence detailed the fraudulent items identified on my credit report, along with the supporting documentation and evidence substantiating my claims. Regrettably, my first attempt to rectify this matter has not yielded the desired result, and the fraudulent entries continue to mar my credit history. 

This situation is not only unacceptable but also indicative of a systemic failure in your dispute resolution process. The consequences of these persistent inaccuracies extend beyond mere inconvenience ; they threaten the very fabric of my financial well-being and credibility. 

I demand an immediate and comprehensive reevaluation of this matter, with a specific focus on expeditiously removing the fraudulent items from my credit report. Additionally, I insist on a detailed and unambiguous explanation for the continued failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and pursue legal remedies to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Card is advertised as doubling the credit limit in 6 months. Called multiple times and told that is not an option.
Product: Debt collection

I received a communication from Resurgent Capital Services, acting on behalf of LVNV Funding, regarding an alleged utility debt associated with Account Number XXXX. The stated amount owed was {$930.00}. The communication included billing statements but lacked comprehensive documentation to validate the debt. 

In response, I sent a formal dispute letter to Resurgent/LVNV Funding, requesting complete and verifiable documentation to confirm the validity and legality of the accounts reporting. Specifically, I requested : Full Double-Entry Accounting Records : Authenticated records detailing all charges, payments, and credits applied to the account, with a clear breakdown of how the {$930.00} balance was calculated and tied to me. 
Legal Documentation Establishing the Right to Collect and Report : The original service agreement or contract between myself and the original creditor ( XXXX XXXX XXXX XXXXXXXX. ), and if the debt was transferred or purchased, the full chain of title showing XXXX 's legal right to collect and report this debt. 
IRS Form XXXX ( if Applicable ) : A copy of the XXXX form submitted to the IRS, as required for canceled debt exceeding {$600.00}, if the debt was canceled, forgiven, or settled for less than the full amount. 
I requested a written response within 30 days, confirming whether Resurgent/LVNV Funding would validate the account or delete it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to file a complaint with Experian once again regarding a XXXX credit card they keep reporting a late payment on. The credit card has been in charge off status - it is past the legal time line for the company to attempt to collect what is owed, and that has been cleared up with XXXX. You have those documents between me & XXXX regarding them not coming after me for the debt. However, Experian is the only credit reporting agency that keeps reporting it as a late payment. XXXX  has taken it off my report since they are no longer coming after me for the debt. XXXX doesnt even keep showing late payment. Its time for Experian to quit reporting it as a late payment making my credit report suffer. They need to go back ever since they investigated this last year and remove any reported late payments and quit labeling any others as late payments since they are not. Experian refuses to accept another complaint on this card because, It has already investigated once, and they are not obligated to investigate again. I dont need them to investigate the credit card company, just their own credit reporting actions and the negative impact it has on the consumer when in fact their is no late payment and the account has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am paying for Experian Boost. Im a single XXXX mother of XXXX son. We lost our home, small resume preparation business, our car due to the Pandemic. We have both been very ill with the virus. I realize it isnt pertinent to Experian but it is to us. I am trying to raise my credit score to buy a home. Experian is reporting as if they are connected to my checking account but due to a glitch they admitted via email is on their end, they are not connected. They are reporting my income as {$780.00} vs expenses of {$2600.00}. I have no idea where they came up that figure. I have no credit card or any debt except student loans that have been deferred for years. My debt ratio is about 4 %. Its really hard to get a live person on the toll free number and their reps say different things. One rep told me if I cancel my Experian membership it will lower my credit score. I get paid and pay my bills via my XXXX XXXX XXXX for my XXXX payments. Experian can not help me connect my XXXX XXXX card to their system. They also wont accept any verification of accounts for Experian Boost except auto pay. I can not email or mail verification of my utility bills. The other problem that causes is if I dont always pay my utilities consecutively with auto pay they only show the payments they see. Experian is my lowest credit score. Im paying for Boost and they are incorrectly gathering and reporting my information.
Product: Credit reporting or other personal consumer reports

When checking my credit report, I noticed hard inquiries to companies I did not apply to. The suspicious inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove these inquiries from my report. I am also attaching my identity theft report.
Product: Consumer Loan

In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to ucc-11 Ref # 008497 I owe nothing. Please take all items off my personal credit. With all major Bureau
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX XXXXXXXX ... .. Account # XXXX ... Account Name... XXXX XXXX XXXX  .... Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXX XXXX XXXXXXXX .... XXXX XXXX XXXX.. XXXX XXXX ... 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. 15 u.s.c. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education, XXXX, XXXX, and also Equifax continue to refuse to correct information placed on my credit report, during a Pandemic, covered by The Cares Act, stating borrowers payments would pause and continue to be reported as paid. This has destroyed my credit, I can not get anyone to help, and I have hired an attorney as well as contacted The White House.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I had used my spouse bank card ending in XXXX of {$160.00} with the conformation # XXXX I went online to pay the {$160.00} and it gave me a conformation # and when i check it again it had a balance of {$200.00} so when the XX/XX/2022 came I pay the other half of that {$200.00} with my card ending in XXXX along with the conformation # XXXX, and the only reason why I used my spouse bank card is because I had a bad cold and my purse was in the trunk of my car I been fussing with Westlake financial services about this for 3 and half weeks and they think I am lying about this which I am not because they did this to me the first time and I believe that this company is stealing people money because I seen the reviews and when I pay the {$160.00} they gave me an conformation number and I am on the phone with them now and they giving me the run around and trying to keep on lying about it and the customers are always right I have evidence stating that I pay of {$160.00} and the conformation # for that and the conformation # for the {$200.00} and they have me on hold and haven't came back to the phone yet I don't know if their doing fraud things on my account or some else.
Product: Credit reporting

Both of the collection accounts with Equifax have been previously disputed and removed form my report. Now they are back on the credit report. These need to be permanently removed.
Product: Debt collection

This company is furnishing information to consumer reporting agencies with an data incompleteness payment history and this allege debt has not been verified. A certified letter was sent out XX/XX/XXXX  with no follow up, negligently fails to comply with the terms of the FCRA law. This company is furnishing inaccurate information without my permission.
Product: Mortgage

Attempted to pay the mortgage payment online. Was informed on phone that payment would have to be made tomorrow. In view of the past reputation of Wells Fargo concerning how they treat their customers, how is this allowed? XXXX had no problem accepting an auto loan payment today, as it appears they have do not have to earn another day 's interest on the payment amount.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and Transunion 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 ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN AND EQUIFAX alleging systemic 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, Equifax, and Transunion has neither corrected nor removed disputed items despite 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, Equifax, and Transunion inaction violate federal law and my rights as a consumer.
Product: Debt collection

I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.
Product: Student loan

Our Loan is with Navient. We have never missed a payment on the load. We may have been late a few times but never missed a payment. 
I made the payment on the morning of the XXXX. My Son who has the loan has gotten 2 call from them and I myself have gotten 2 calls from them before XXXX on the XXXX even through we have already made the payment. They keep calling and hounding us for the payment.
Product: Mortgage

CFPB Once again Arvest Bank, Arvest Mortgage, Central Mortgage and their LIES on how much they received from Insurance Claim checks of {$41000.00} on XXXX/XXXX/XXXX, a claim check of {$35000.00} on XXXX/XXXX/XXXX, and a claim check of {$10000.00} on XXXX/XXXX/XXXX. There is an additional Claim check for the amount of {$2000.00} with date XXXX/XXXX/XXXX that you received from XXXX XXXX XXXX XXXX that you have not reported {$2000.00} with a total of {$89000.00} not {$87000.00} ( That will be consider Insurance FRAUD ). They say Attorney XXXX XXXX has a check of {$58000.00} that is not true as well. How once again Arvest Bank is playing with the Government and the money from XXXX XXXX XXXX XXXX. Now they are being greedy and keeping the extra {$2000.00} or the whereabouts of proceeds putting it into their pockets. ( How convenient ) but now at least they reported the lie in case number XXXX I will like for you to please contact XXXX XXXX to confirm my allegations at XXXX XXXX, XXXX |Senior Claim Representative | XXXX | XXXX Fax | XXXXXXXXXXXX |. For I do not know how they got the monies situation Arvest Bank has 3 copies of three different General contractors as well as 2 cleaning crew companies witch was referred by XXXX XXXX in her email dated XXXX/XXXX/XXXX please see attached as they requested from me for the amount as follows XXXX CEN CONSTRUCTION and another for {$120000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX signed and Notarized by me with XXXX for the amount of {$130000.00} and he said that he will match the numbers of XXXX. Arvest Bank never made payments to XXXX as stipulated in his contract another violation of contract. The Insurance company started with a low number of the amount shown above dated XXXX/XXXX/XXXX for amount {$41000.00} after going back and fourth and having their Contractors lfor 6 months then they issue a second check for {$2000.00} XXXX/XXXX/XXXX an a third XXXX/XXXX/XXXX for {$35000.00} and fourth claim check for {$10000.00} on XXXX/XXXX/XXXX. Now he has put a lien on my house for {$120000.00} he has been paid {$19000.00} plus {$10000.00} leaves and amount of {$91000.00} minus the missing check of {$58000.00} + {$2000.00}. I do n't care how they get to an agreement all I want is to be able to do a loan Modification I wo n't be able to do so until this Lien issue is resolved. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose XXXX XXXX XXXX father passes away XXXX XXXX House burns down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
Product: Mortgage

In XX/XX/year> I filed XXXX XXXX XXXX protection resulting from fraudulent XXXX filings. My XXXX filed false tax returns using my information that resulted in federal tax debt and state tax debt for the states of Maryland and Virginia. Once discovered I was advised by the XXXX to seek fraud protection and XXXX XXXX  attorney to file bankruptcy for protection from any subsequent filings. 

Up to that date I'd paid {$42000.00} to the bankruptcy court. When I began the process of relocation and purchasing a new home I found that there was roughly {$16000.00} left to be paid to the bankruptcy court to finalize my XXXX XXXXXXXX. I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay off the bankruptcy or have it dismissed in order to move forward with a purchase. Upon contacting the court for payoff instructions I was advised that paying off the bankruptcy would result in a 45-60 day processing time for dismissal, but if granted by the Judge a dismissal would be immediate based on payment history and amount paid to date. The Lender called Underwriting then directed me to move forward with the dismissal so we could close. My attorney filed and the Judge granted the dismissal. 

Once the dismissal was granted by the judge, XXXX XXXX then denied my loan stating that a dismissal was not the same as a discharge. Which is what was needed. They, XXXX XXXX, advised me to file the dismal which resulted in me NOT being able to purchase that home or any home for 2 years. XXXX XXXX XXXX  XXXX has a XXXX non-use penalty for a bankrupcy dismissal ) During this loan process I was also advised to pay off almost {$46000.00} in personal debt which included XXXX of XXXX XXXX XXXX  debts who was not an applicant on the loan. Those were unnecessary liquidations for loan approval. XXXX XXXX directed those payments to prepare the loan for sale to a third party as opposed to an approval and mortgage. This was misleading. When questioned XXXX closed my files and stated I was no longer a client.