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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX  XXXX Experian Account # : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Experian Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX XXXX , Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a {$730000.00} wire transfer to a XXXX brokerage account for investing. It was made with a teller inside a Chase bank branch. I provided all the information requested. 

Within an hour the funds were withdrawn from my Chase private client account, but not deposited into XXXX. I contacted XXXX and informed the funds were held at their interim financial institution - XXXX - pending receipt of a for the credit of client account number. I was directed to contact Chase to forward that information to them asap for the transaction to be finalized. I then called Chase and remained on hold with their Wire Transfer division until receiving confirmation the XXXX message request was complete and sent to XXXX. 

On XX/XX/year> the funds were still not in either XXXX or Chase. Chase contacted XXXX, who advised them the refund wire was sent that day. Chase said to allow 24hrs for deposit into my account. ( I still dont understand why the wire transfer did not complete as directed into XXXX ). 

On XX/XX/year> the funds still remain unaccounted for. I called Chase again, and this time I was told to allow XXXX 3-5 business days for wire transfers to complete. Thats unacceptable so I filed a CFPB complaint. 

On XX/XX/year>, XXXX responded to the Complaint that they wired Chase the money XX/XX/year>. Chase advised me that was untrue and they had only just received the funds XX/XX/year>. 

I went into a local Chase branch where it was confirmed they did in fact receive the {$730000.00} on XX/XX/year>. One of the banks, or both of them, is not being truthful or transparent. 

TODAY, XX/XX/scrub>XXXX MY {$730000.00} REMAINS UNACCOUNTED FOR!!! 
This money was for an investment. I have lost 10 days of interest and compounded interest while massive financial institutions earn money off on their clients backs. Is it not illegal to hold peoples money? Wires are instant. Theyre electronic. The money goes out of your account the minute you pay for something it does not take 10 days to return my money. Please, CFPB, Dont just accept an answer like XXXX gave you that says we transferred the money- have some oversight - make somebody accountable here. That money is award money from my mothers accident and meant to last a lifetime - but if banks are permitted to continue legally stealing like this from everyday people? My sons and I will have nothing very quickly.
Product: Credit card or prepaid card

I have a PayPal Master card via Sychrony Bank. I have had the card for about a year. I have a {$14000.00} credit limit. I was as heading out of the  USA on XX/XX/XXXX so I paid my {$13000.00} bill online XX/XX/XXXX. The money left my bank account on this date. While out of the USA I attempted to use the MasterCard on XX/XX/XXXX and the charges were declined forcing me to later use an alternative payment. 5 calls to Sychrony Bank provided no relief. I was told that large payments are on hold to verify and that my credit line would not be restored until XXXX XXXX. I asked where is the {$13000.00} that left my account on XX/XX/XXXX. They replied it is on hold as it is a large payment. I consider this to be a dishonest business practice to use my funds for 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. Mr. XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, Mr. XXXX always continued to make his payment with fail.

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to Mr. XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for Mr. XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead Mr. XXXX received agreement in mid to late XXXX. Upon receiving Mr. XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with MrXXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

4 ) Mr. XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of Mr. XXXX for the delayed return.

5 ) When Mr. XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) The actions of PHH Mortgage are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH Mortgage violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement. This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

7 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by PHH Mortgage and continued to honor his payment commitment. However, a foreclosure sale date was scheduled, and final modification cancelled. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account on my credit report from XXXX from XXXXXXXX XXXX  the company was bought out by XXXX XXXX in XX/XX/XXXX. XXXX XXXX  is now reporting a balance owed. I've inquired with XXXX XXXX  to provide documents 3x proving balances, statements, any documentation regarding my personal information associated with this debt. i've received 3 letters stating, " For further verification please forward documentation reflecting any bank error along with the loan account number and social security number. '' Sincerely XXXX XXXX ( XXXX XXXX loan operations administrator XXXX XXXXXXXX XXXX
Product: Debt collection

This Complaint is related to a debt collection practice by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and collection firm XXXX XXXX XXXX XXXX ) which has the potential to effect hundreds of consumers. 

I returned home from a lengthy vacation in early XXXX. At that time, I had several correspondences- XXXX of which was from the XXXX XXXX XXXX XXXX XXXX. The correspondence indicated I owed {$XXXX}, that the payment was due by XX/XX/XXXX and provided methods of payment. The amount owed included late fees, interest and a collection fee as I was past due on my quarterly payments for the year. Given the property XXXX sent a letter directly to me with methods of payment ( none of which mentioned the collection firm ), I responded to same. I sent a money order for {$XXXX} on XX/XX/XXXX to the address provided in the letter in compliance with the directives provided. I have proof that the money order was received by the property management company on XX/XX/XXXX ( attached ). 

The money order was subsequently returned to me by the collection firm in late XXXX ( well after the due date ) indicating they were in control of my debt as of XX/XX/XXXX. They further indicated they sent a letter on XX/XX/XXXX which indicated I actually owed {$XXXX}. This letter was sent prior to the letter I received from the property management company which indicated I owed {$XXXX}. As such, I formerly disputed the alleged amount owed and I advised the firm that I received a subsequent correspondence from the debtor itself which conflicted with the collection firm 's claimed amount owed. I further stated that I sent the money order for the full amount owed which included late fees, interest and collection costs to the property management company in response to a letter that I received from them. Candidly, I believe the collection firm is attempting to collect additional fees it is not entitled to. I did not receive any further correspondence from the collection firm after I sent this letter. 

Since that time, the XXXX XXXX has sent me an additional bill dated XX/XX/XXXX. I called the XXXX XXXX today indicating I have been trying to pay the bill, but they have yet to cash the money order for the alleged amount owed. I have XXXX open tickets showing contacts between XXXX and today. I indicated today that I intended to file a Complaint given the XXXX XXXX continued to send me bills but had not accepted my money order for the amount they claimed I owed. Just a few hours later, a Complaint was left at my residence. In the Complaint, the collection firm alleges the debt that is owed to XXXX XXXX is {$380.00}. They further allege they are entitled to attorneys fees and costs for the filing of the Complaint in the amount of approximately {$800.00}. I attempted to pay the alleged debt owed well before the filing of any Complaint. I believe the filing of the Complaint is another attempt to collect additional fees to which the collection firm is not entitled by contract or law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A 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. 

( B ) Reporting information after notice and confirmation of A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! 

By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IS A FURNISHER of information to a consumer reporting agency. 

Therefore they are prohibited to furnish inaccurate information.
Product: Student loan

Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!
Product: Credit card or prepaid card

Hello, I was issued a prepaid card for {$750.00} from my employer with ADPMoneyNetwork, and when I called the number to activate it, there is only XXXX on it. Also, I am not able to register for an account on the website or app, moneynetwork.com. All of the information I entered is correct. 

I called customer service at XXXX and provided my information, then I was told that my birthday information was wrong and I need to send a copy of an ID with a birthdate on it to a fax number, which is XXXX. When I asked why my birthday information was incorrect I was told that I have to send that document or my account would be closed and I would lose my funds. I was just told that my birthday was the wrong month so I needed to send them a document proving otherwise. I never gave them this information in the first place so I don't know how they got it wrong. 

I can not get through to anyone on the phone or on the website.