23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in mediation with Ocwen on my mortgage. I went to a housing counselor and she helped me submit a request for modification. Ocwen turned me down because they said there were numerous credit inquiries and collections on my credit report. I obtained a copy for myself and the information they said was there is not. The only bad account, other than the mortgage, is a doctor bill. The reason that was not paid by medicare is because the doctor 's office delayed to long to submit the charges. I have one credit card and the payment is listed as never late. I also had a small loan at the bank which was paid off years ago and it states that it was never late. I do n't think they even really considered my application because i received a denial letter one week after they said they had all the information. I am XXXX years old and sometimes i feel like they think I do n't know any better so they can do what ever they want.
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 U.S.C 1681 section 602 A. States I have the right to privacy.

Account name and Number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX DEPT education, XXXX # XXXX 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.
Product: Credit card or prepaid card

AMEX gave me a business card. I added my husband. He's been using the card for the business the most. Well they said that raised " suspicions ''. They told me when I got the card that it would be reliable. That I could depend on them. Well because I only used the card and have done nothing else wrong they've cost me thousands.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX will not respond to my letters or fraudulent inquiries of identity theft. I have numerous accounts that are a result of identity I have provided them with affidavits police reports and they are still violating my rights and reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have trying to correct the information on my report. Transunion refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Ive been having complications on getting the help thats needed these accounts arent mine and I have no connections with them. I reached out to the company and the credit bureaus but the credit bureaus never responded XXXX not sure if they got the letter I mailed but now Im trying this way. 

Please help correct this fraudulent information and accounts.
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX XXXX a wire transfer was made at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX FL XXXX to East West Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX. Due to incorrect instructions and information the transfer was cancelled in the amount of XXXX. XXXX XXXX and myself have asked for a return back to my checking account. East West Bank Said the matter is closed with no further action to be taken. No Funds or moneys have been returned after countless times asking for the refund. 
XXXX XXXX has sent emails to the East West Bank asking for the return of the Funds. 
Reference # XXXX Federal tracking Number XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from XXXX XX/XX/XXXX. Second inquiry is from Credit plus XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I filed a complainant through the portal after trying to resolve this on my own an they have yet to provide me with the info I ask to show proof I gave anyone of these companies or them written or verbal consent to share my alleged private trans actions and we are past the 30 time frame the law allows them to do reinventions. The first complaint number is XXXX to reference. Its 47 days later no response of proof of what I requested.
Product: Vehicle loan or lease

Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX is in violation of the 15 USC 1605 Truth in Lending ACT. XXXX didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. XXXX  purchased a fraudulent contract knowingly and willfully. I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via XXXX, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through XXXX. I applied for an apartment on XX/XX/XXXX at XXXX XXXX XXXX . in XXXX, CA who uses a company called CoreLogic ( Rental Property Solution ) to run credit reports through XXXX. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by XXXX. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that XXXX provide my report to CoreLogic, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/XXXX & XX/XX/XXXX ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my information was stolen from a data breach and accounts are being reported to the credit reporting agencies that I never opened. 
These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money Market account was advertised with an APY of 3.50 % but I am getting 0.01 %. Went to the bank on XX/XX/XXXX for this rate, called on XX/XX/XXXX to say I did not receive the rate.
Product: Money transfer, virtual currency, or money service

For some reason, I was unable to log in with my password and tried to reset the password, but when I try to continue with the 2-step verification, another phone number appears that does not belong to me. It seems that my password and other information have been changed, also I tried to contact them in customer service where they told me that my account had no money and to proceed to delete it and create another, not being able to recover the amount of {$1200.00} this was on Saturday XXXX around from XXXX XXXX  thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Medical Collection account with Equifax three times and have called Equifax letting them know that this account is in Litigation and that I have a XXXX until my medical case is closed! It got removed but then put straight back on my Equifax report one week later!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX CARD ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX CARD ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.
Product: Debt collection

After talking with them they continued to call after explaining I will make a payment on XX/XX/2019 they agreed now it's on my g credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to XXXX, XXXX, and transunion on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, XXXX, and transunion remove the accounts I disputed on XX/XX/21.
Product: Credit reporting or other personal consumer reports

my original complaint was i have 3 collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX  which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted. 

Equifax came back stating XXXX XXXX the accounts were mine. I never stated the accounts were not mine. i was disputing the fact that they had already been removed from my credit file under the affirm name, now they are reappering under XXXXXXXX XXXX. i never had any obligation to XXXXXXXX XXXX and need these removed from my credit file.
Product: Credit reporting

I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.
Product: Debt collection

XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$3100.00} Keep reporting that i owe them i didnt owe i didnt do this i did rent i never live here
Product: Credit card

First of all, a big XXXX you to everyone at Barclays who was involved. The issue is pasted here. As I work for XXXX XXXX, management is also aware, they are reconsidering partnering with Barclays in the future. To Whom It May Concern at Barclays Bank/not that you actually care : I am beyond frustrated with the complete incompetence and mismanagement of my account. After being blocked on XX/XX/XXXX due to address, phone number, and PIN updates, I submitted all required documents to your fraud detection team. On XX/XX/XXXX, these documents were verified, I passed all security checks during an outbound call to the verified number on file ( XXXX ), and my account was unblocked. I was even able to make multiple purchases, proving that everything was cleared. Yet, on XX/XX/XXXX, my account was blocked again for the exact same reasons, despite having already been approved. This repeated blocking is unacceptable and highlights a lack of coordination and accuracy in your internal processes. 

Your team has blatantly disregarded the fact that I completed all verifications. Notes on my account are inaccurate, and it appears a XXXX from XXXX XXXX, XXXX, overstepped her authority by re-blocking my account in ultra-blocked mode simply because she did not like the documents providedeven though the verifications team already approved them. Her hostility and interference are completely unprofessional, and her actions need to be investigated. Furthermore, I was able to reach a XXXX XXXX XXXX on XX/XX/XXXX, but now I am forced to wait for callbacks, which is entirely inconvenient as I do not answer unfamiliar calls. 

I demand immediate resolution of this issue. If this is not addressed promptly, I will escalate further by filing complaints with XXXX XXXX, the FTC, and other relevant regulatory bodies. Barclays must stop delaying and solve this matter now. 
Have the day you deserve. Which isn't good.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting LVNV Funding LLC account number XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on XXXX for failure to investigate as Im a federally protected consumer. I will also be reporting both XXXX and LVNV Funding LLC to the IRS filing out form XXXX XXXX information referral for unreported income since XXXX gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. LVNV Funding LLC isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also will be filing to sue both companies for defamation of character. They are making me look non creditworthy to other lender and I have been denied credit due to this matter. It has caused me great 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 these XXXX companies has caused. I know that LVNV Funding LLC pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed.

As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, Transunion, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit for the first first time in 5 years and I found fraudulent AMEX accounts on my credit report. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a account from XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!
Product: Credit card or prepaid card

During XX/XX/XXXX - XXXX, XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX Washington, XXXX. The costs were prepaid by my employer in advance of my stay ( see attached PDF ). However, I had to use my personal credit card for security hold/incidentals. Since no purchases, damages, or incidentals occurred during my stay, I was told by the clerk the that {$140.00} hold should be dropped from my card. It is now XX/XX/2022. The {$140.00} pending hold is showing up on my credit card. 

I reached out to the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and the XXXX. I left a message with " XXXX '', the manager. I finally reached XXXX on XX/XX/2022. He claims reaffirms what the clerk had told me on XX/XX/XXXX, that the hold of {$140.00} was released. 

Also, on XX/XX/2022, I contacted Citi XXXX XXXX via chat ( see the attached screenshots ). After I was bounced over to a supervisor due to the gross incompetence of the representative ( Incident # XXXX ), I was told that there was nothing they could do and that the hotel would have to manually remove the hold. I did offer to do a three-way phone call with Citibank and XXXX hotel. As noted by the chat messages, the supervisor told me they no longer do three-way calls to remove pending holds. 

At that point, I called back the XXXX XXXX XXXX XXXX and spoke to " XXXX '' again. After informing him that he would have to manually remove the hold, I was informed was already removed on XX/XX/2022. Furthermore, he does not understand why XXXX and Citibank are keeping the pending hold. There is no open claim to the funds. 

Afterwards, I contacted Citi AAdvantage XXXX customer service by phone. I got the same run-around again that I did with chat representatives.
Product: Vehicle loan or lease

I am being told that I have a late payment. This is false .... I have never made a late payment on this car ever. I reached out to the finance company but they never seem to fix this problem