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

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

AMSHER COLLECTION SERVIC Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name SXXXX XXXX XXXX XXXX  Account number XXXX All debts owed is wrong cause I owe them no debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter by mail denying an application for credit I did not make. The lender was XXXX XXXX XXXX, I believe it is considered a payday lender. While it denied the application it did state that they could offer a small rloan of {$800.00}. I never applied at this company or any related companies. 

The letter states that they received my credit report and credit score, which they list, from XXXX XXXX. 

I have a credit freeze with the three credit reporting agncies, including Transunion. XXXX is owned by Transunion. I called XXXX and they state that they are separate companies, with separate data bases, and that I will need a freeze on their website also, yet upon typing in XXXX I am directed to Transunion. I can not find a way to put a credit freeze in place with XXXX, their phone assistance is abrupt and unhelpful. Repeated attempts to speak to someone at either Transunion or XXXX ended in utter frustration and an absence of answers. 

Everything I read on consumer safety recommends a freeze with the big three credit bureaus. Can there now be four? Are there even more? If Transunion releases credit reports despite a freeze being in place through a wholly owned separate company who can this serve except those attempting identity fraud?
Product: Mortgage

Capital One is processing a mortgage application for a condominium and demanding a totally irrational level of XXXX insurance. The association master policy provides cover for unit interior to original plans and specs. The master policy excludes improvements and betterments, which the XXXX policy should cover. The unit being purchased has no improvements and betterments ; it is the unit as conveyed to the original purchaser by the developer. Capital One 's requirement for {$290000.00} of XXXX coverage is completely baseless because there is not property of even a fraction of that value to insure. It is more than three times the coverage I would purchase that would include the value of personal property. Appropriate coverage would cost me about {$500.00} per year, not $ XXXX {$1500.00}.
Product: Student loan

I received a notification from XXXX XXXX that my account balance increased by {$24.00}. It also states my loans have been " deferred. '' My autopay appears to have been canceled because of this. I want to be very clear ... I never authorized these changes to my account.
Product: Credit card or prepaid card

I made a purchase from XXXX on XX/XX/XXXX using my Truist credit card. On XX/XX/XXXX, I returned the item to XXXX via XXXX delivery. XXXX has confirmed receipt of the item and advised me that they sent a credit of {$290.00} to my Truist card on XX/XX/XXXX. As of XX/XX/XXXX, Truist has not credited the amount to my card. I have contacted Truist several times asking them to research the issue and have not received resolution. I filed a dispute for this transaction with Truist 's Charge Back Department on XX/XX/XXXX ; they responded via US mail on XX/XX/XXXX, asking for additional documentation which I sent on XX/XX/XXXX. The letter states " Please return the requested information to our office by XX/XX/XXXX referencing your claim number so that we may provide you the best possible service ''. It does not indicate that my claim would adversely be affected if I did not reply by XX/XX/XXXX. I called to check the status on XX/XX/XXXX and was told a supervisor would return my call. On XX/XX/XXXX, a supervisor XXXX XXXX XXXX XXXX called to advise that the claim has been closed because I sent the documentation too late and that there is nothing more that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

A lot of hard inquiries was placed on my report without my consent, I tried multiple times to have equifax to resolve the issue but nothing has been done to fixed the problem.
Product: Student loan

My loan is serviced through Navient. On XX/XX/19 I made my regular payment on my account in the amount of {$170.00} applied toward both consolidation Loan # 1 and # 2. I then made a separate online payment in the amount of {$280.00} selecting Loan # 1 for application of payment per the website instructions. When Navient applied payment the {$280.00} was applied to loan # 2 not loan # 1. 

Loan # 1 has a balance of {$550.00} i am trying to pay-off this loan in full over the next two months so I paid just over half with the intention of paying the remaining balance during the month of XX/XX/XXXX. Over the years when I have made extra payments on this loan ( both w/Navient & the previous creditor ) the payments have always been misdirected to the larger balance to keep this account open and earning interest. The last time I made an overpayment some 8-9 years ago to pay-off the smaller balance I paid the full amount due and none if was applied to the first loan balance. This practice need to be stopped and lenders forced to accept the payment as made by the consumer. 

I recently learned from a friend that Navient was previously sued by the CFPB and they agreed to stop this bad practice however they are continuing to do it. I can provide proof showing the payments and i am prepared to give written sworn testimony. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It has been a nightmare dealing with Ocwen Loan Servicing for over 8 years for a possible loan modification. Ocwen Loan Servicing has denied my request for a loan modification incorrectly over 35 times by providing the deceptive response indicating that there is a problem with the title to the property that has nothing to do with the owner to the property but Ocwen Loan Servicing lien against the property that is considered to be invalid and void. Moreover ; Ocwen collected over {$80000.00} as a monthly Trial Period with the promise of finalizing a predominate loan modification and this is while the property was in an active foreclosure. Which is considered to be unlawful. 
There have been several correspondences from the Ocwen Loan Servicing attorney confirming the issue with the invalid lien. On  XX/XX/XXXX, XXXX XXXX XXXX the attorney representing Ocwen Loan Servicing in an email correspondence to my attorney indicated : The modification offered to XXXX XXXX is contingent on clear title to the property. Upon investigating the title report, we discovered that there is a {$290000.00} outstanding lien on this property from XX/XX/XXXX that was never released. I have attached a copy of the deed of trust evidencing this lien. The implementation of the modification is being held up due to this cloud on title, but we are working with the title company to try and resolve this matter. To be clear, the modification has not been declined but is instead pending clear title. While we continue to work on the title matter, would you please check with your client in case they have any documentation showing that this lien was paid off? Not sure if this attorney has any understanding that, as a homeowner, I would not have copies of the documents related to prior owners loan and release of lien. 
Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Regretfully ; Ocwen Loan Servicing the Debt Collector, Servicer is ignoring the California State Law! Ocwen Loan Servicing is obligated to postpone the foreclosure sale date that is scheduled for XX/XX/XXXX. Not sure how you can pursue the foreclosure sale when the debt collector Ocwen Loan Servicing does not have a valid lien against the subject property. We reserve the right to take legal action against Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DPT EDXXXX # 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. 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 states. I did not provide written consent to report them. List all accounts : 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 reporting or other personal consumer reports

Problem Description : XXXX XXXX has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations. 

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, XXXX XXXX is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that XXXX XXXX has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data. 
2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If XXXX XXXX has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by XXXX XXXX has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing credit.
Product: Credit card or prepaid card

Hello I do my monthly payments for my credit card, I always make a payment way before the deadline. My 6 months with no interest was going to end in XXXX, I called to let them know Im almost done paying and I havent seen that they charge me for interest yet. The person who I spooked to told me I had until XXXX to avoid the interest fee, as soon XXXX hit they charged me with a big interest fee and I try to avoid it and I been there loyal customer and they wont make a one time fee acceptation. I made paid off what I owe and the balance I have right now its the fee they added to my account and Im trying to get rid of that fee since I made all my monthly payment and Ive been a loyal customer to them.
Product: Debt collection

The company is D & A Services LLC. They're a debt collector. They called repeatedly and would leave voicemails. I called them and told them not to call me about this debt anymore, but they continued to call. I just received another call at XXXX. today, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax & XXXX credit report on XX/XX/XXXX 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 ( ii ) 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 or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Balance : {$480.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00}.
Product: Debt collection

In 2020 during Covid I was working with A debt consolidation company named " Americor '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with Americor and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX XXXX  In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.
Product: Mortgage

I aggressively made $ 8000 monthly payment ins XXXX to payoff loan by XXXX of XXXX. 

My final payment was made on XX/XX/XXXX, but I was told I could only pay up to 95 % of the principle online. To pay off the load I had to request a payoff and mail cashiers check, or wire the funds. Mr. Cooper moved amount I paid as additional principle to " Unapplied Funds. '' On XX/XX/XXXX I received a payoff quote for {$1000.00}. On XX/XX/XXXX, I mailed a certified check for {$1000.00}. 

On XX/XX/XXXX I called customer service and told the check was not received and lost in the mail. 

On XX/XX/XXXX I sent a message through the online portal and stated I was going to the bank on Monday to put a stop payment on the check and wire the funds. 

On XX/XX/XXXX I sent a message through the online portal that it was going to take 90-days to get the certified check funds back, and that I would request another payoff quote my next payday to wire the funds. 

On XX/XX/XXXX I received a payoff quote for {$1200.00}, with {$1000.00} in " Unapplied Funds '' ( that was not applied to principle ), and a principle balance of {$300.00}. XXXX. Statements show Mr. Cooper apply funds to future payments in XXXX and XXXX of XXXX. 

On XX/XX/XXXX I put a stop-payment on the cashiers check and wired {$1200.00} to included additional daily interest per payoff terms past date of quote. 

On XX/XX/XXXX my banked called and said Mr. Cooper cashed the check, but show my loan paid off on XX/XX/XXXX. 

I am owed {$1000.00} in Unapplied Funds. 

I am owed {$1200.00} for cashiers check that was cashed after loan was paid off. 

I am owed {$920.00} for the over-payment of loan principle wire transfer. 

I sent a message to Mr. Cooper stating my records show they owe me {$3200.00} and to provide documentation if the depute the amount. I can not determine from the payment history where my funds went and how much is owed. I was told all funds would be returned by check within 20 days of the payoff on XX/XX/XXXX. 

I have received a " Payoff Refund '' check for {$110.00} and a " Payoff Overages Reg M '' check for {$930.00}. 

I still show approximately XXXX XXXX dollars owed to me by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2024 Credit Karma duplicated hard inquiries that were already accounted for on my XXXX credit file. According Credit Karma these inquiries were made between XXXX XXXX and XXXX XX/XX/2024 XXXX confirmed via XXXX the correct number of inquiries on my credit file. 

Following inquiries were duplicated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding a charge off credit card and the card XXXX bank sent back information stating it was valid. I called to try to settle it on XXXX and they sent me to NAR collections stating they had it and to call them. I emailed NAR and they stated it wasn't with them anymore XXXX had it and that they were removing it from my credit. I am submitting the email and want to make sure it is removed and XXXX doesn't try to mess with me again as this is affecting some matters in my life and I tried to make it right.