23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )
Product: Credit card or prepaid card

USAA closed my credit card account without proper notice on or around XX/XX/XXXX. This cancelled my access to XXXX credit card points. When I called to inquire, the woman on the phone said I had 90 days to use points after a credit card was closed. However after a credit card is closed, you lose all access to those points. When I mentioned this, she apologized and said she would let her superiors know. I asked to speak to someone above her and was placed on hold for XXXX minutes at which time I had to go back to work. No one has called me back or sent an email/mail. I still have not received a letter stating my credit card was closed. 

In addition, USAA continues to be the number one advertiser under the XXXX search " business credit card ''. I have attached documentation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX onemain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

BK OF AMER ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BK OF AMER or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BK OF AMER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ XXXX time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. 

The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.
Product: Credit card

Capital One is predatory ....

I was advised that the interest rates are variated by the government and that Capital One has no control over the interest rates the agent has no control over the interest rates and no one there can adjust interest rates. They are fixed APRs according to the government..

I was advised that if you want a lower interest rate you will have to do the following which I consider to be predatory hostile and detrimental to one 's credit. If one were to do these actions it would involve damaging one 's credit score.

To lower your interest rates you will have to do the following Make sure your card is paid off and then cancel the line of credit which will hit your credit as a canceled line it will hit your credit as lowered available credit and it will hit your credit as available credit.

Once the damage is done reapply to Capital One for a new card and hopefully we'll give you a lower credit interest rate..

No guarantees .... But you'll have to cancel the other lines of credit before we can issue these new lines of credit and possibly lower interest rates...

Capital One says we're just apply for a new credit card the Capital One won't let me apply for new credit card it says I have too many accounts they say that's not possible that must be an error in their system ....

I have a stellar credit rating I have four cards of Capital One right now two of which are paid off One is below 25 % and one is below 15 %.

All four credit cards are approximately 30 % interest respectively XXXX and change XXXX and change XXXX and change and almost 30 %. 

so to get a better credit rating I would have to cancel a card take the hit on my credit score reapply to Capital One take the hit on the credit score and hopefully get a credit card with a lower interest rate that sounds very predatory.

So there's no way to adjust the credit rate to reapply to fix modify an account that's already existing according to Capital One no ....

In perspective to other cards that are in my pocket XXXX cards are arranging between XXXX and 20 % XXXX  are ranging between XXXX and 20 % and a XXXX XXXX XXXX is approximately 19 % so why is Capital One at 30 %... 

I have placed a hold in a freeze in all four lines of credit with Capital One I will continue to migrate the debts over to a different line of credit and I will file to to either remove or close these accounts once I receive confirmation from the CFBP that this complaint is filed.

So Capital One is advising me at this time to hurt my credit to get a new line of credit with a better interest rates because they can't adjust their own interest rates.
Product: Debt collection

After selling a product on XXXX  and using XXXX as a payment form, the buyer of the product stated false claims and after 2 months of use wanted his money back resulting in a negative balance for {$670.00} plis {$15.00} Processing fee on my XXXX account. 

I offered resolution as to a partial refund to the buyer and got no reply. Right now the buyer STILL has my product and never returned it for a refund and I am out {$680.00}. 

Meanwhile as I am striving to build me credit I did get a letter from a credit bureau claiming this money which I DO NOT OWE. 

I have attached the list of conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car through XXXX XXXX, a buy-here-pay-here car dealership in XXXX PA in XX/XX/XXXX. My car note was for the most part always paid on time, however had been towed twice previously due to lapse in insurance. Dealership towed car XX/XX/XXXX due to late payment, expired inspection and accused me of selling drugs. Advised the company that I had attempted to get information on warranty and getting car serviced several times but their service center would never return calls and repairs were too expensive. Visited Dealership XX/XX/XXXX to try to bring account current and work with company on an agreement to get car inspection fixed, but company stated the " owner '' wanted remaining balance paid in full. Car loan was 35 % of the way paid off, and no late payments ever reported. I was not willing to pay XXXX on car, took what I could from my car and left. Nearly 2 months later, I have attempted to dispute credit reporting twice and the company has not reported on the car since and has not updated it on my credit further preventing me from getting another car.
Product: Credit reporting, credit repair services, 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 account listed without my expressed written consent. 

These were the following items : Hard Inquiry : XXXX  Credit Card Reason : This account is not related to any transaction made by the consumer and needs to be deleted. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is discharged through a XXXX XXXX  bankruptcy. This item is inaccurate because it shows different dates opened, reporting as XX/XX/2021 on Transunion and XX/XX/2021 on both XXXX and XXXX. 

Public Record : XXXX XXXX XXXX CA XXXX Record type : Bankruptcy XXXX XXXX discharged Reference Number : XXXX Reason : The bankruptcy court stated they do not give bankruptcy information to consumer reporting agencies so this needs to be deleted. This account was reported without my written consent and therefore is a result of identity theft and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.
Product: Debt collection

Portfolio Recovery Associates has been calling for months using spoofed local area code phone numbers. Local area code spoofing is not legal. They use an autodialer and on multiple occasions the call will disconnect once answered. They do not leave messages or identify themselves. The numbers used are not able to be called and connect back to the origin caller. I have call logs and screenshots of calls going back several months. The numbers used were ( 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 reporting, credit repair services, or other personal consumer reports

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

CAPITAL ONE AUTO FINAN ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me
Product: Credit card or prepaid card

I have a roommate that I live with for 20 years who is using my identity getting fake accounts in my name getting phones in my name she had a ID with my name in her face. I contacted Bank of America to let them know that she had use all of my EDD which receipts of {$20000.00} which has three different disputes Ive sent documents I sent my receipt I sent my XXXX report, I said my police report my claim was denied over and over again please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Kindly Correct or removed the following items immediately : 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 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 USC 1681. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX : Acct # XXXX XXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX has violated my rights. Please remove all of these.

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 an 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 
I have reached out to all of the companies within this list via certified mail and received no response XXXX  XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 Please provide any application supporting this inquires.
Product: Debt collection

My credit report has a delinquent account listed under creditor SOUTHWEST CREDIT SYSTEMS, L.P. original creditor listed as XXXX in the amount of {$580.00} opened on XX/XX/XXXX. I have contacted the creditor twice in the month of XX/XX/XXXX trying to settle this debt however they were unable to find an account under my social security number in their system. I have no recollection of opening this account in XXXX or ever in my name.
Product: Credit reporting, credit repair services, 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 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name XXXX XXXXXXXX : # XXXX. However, they 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 suppose to modify accounts that isn't reporting correctly. This has been a ongoing issue since 2020. Despite the attempts they have still 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. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. XXXX rep assured me payment processed. XXXX made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per XXXX that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. XXXX rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was XXXX rep failure to listen to customer and the facts. I feel I did due diligence in communicating with XXXX, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are reporting as late but were never late due to a retro active forbearance.
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 USC 1681. 

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 has violated my rights. Or list of inquiries 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. 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.