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

The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, XXXX Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen erroneous reported me as 30 late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with Ocwen and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
Product: Credit reporting or other personal consumer reports

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Product: Credit reporting or other personal consumer reports

Whenever I try to dispute information over the phone the guy says that, I can not place a dispute over the phone without a report number. I then ask him how do I get a report number, he says I can request a report by mail within 7-10 business days. I request a report by mail 7-10 business days have past, I received no report. I call again the guy tells me the same thing I have to request a report and wait 7-10 business days. Same thing over and over again, all for a simple incorrect address dispute. I find this policy to make ridiculously harder than it needs to be to dispute inaccurate information on my consumer report. Its has been over 30 days, guy who I speak to says there was no report requested even though it is the same guy who I requested the report from over 10 days ago. Its complete non-sense.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim oXXXX XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.
Product: Checking or savings account

XX/XX/XXXX couldn't recieve my regular weekly payment via zelle from my employer XX/XX/XXXX couldn't recieve regular weekly payment via zelle from a second employer. 
XX/XX/XXXX I tried logging in and my credentials wouldn't work so I called pnc customer service. I spoke to XXXX different people and was told my zelle was closed and no longer available and my online banking was closed. I asked if I could access my money and was told my account is on a security hold due to an inbound zelle transaction. I was not able to get any other information.histor using zelle fir XXXX is XXXX follows : I received a payment in the amount of {$3500.00} from a client after we finished a flooring job on XX/XX/XXXX. The payment cleared after 48 hours. I recieved a {$500.00} payment from the same client on XX/XX/XXXX the payment cleared immediately. My regular weekly jobs payments came in XX/XX/XXXX for {$84.00}, XX/XX/XXXX {$70.00}, XX/XX/XXXX {$77.00}. Prior to having the client sending me payments via zelle for {$500.00} then {$3500.00} the XXXX was being paid directly by the client via XXXX. XXXX held his money for 7 days which was unacceptable and slowed down production so the client, the XXXX and I agreed we would use my account to recieve payments for the job since the client and I both used XXXX. How is it zelle was able to freeze my entire bank account and access to my money, paying and recieving for any of these transactions that were all authorized, text messages and correspondence and regular activity to prove the transactions were authorized. I was told I can't even reach anyone to help me with the matter until Monday. I am unable to even get gas to make it to any of my jobs because of this, or get groceries for that matter. I have attached web receipts showing my first payment from the remodel job after XXXX held the money for 7 days in the amount of {$800.00}. Then receipts showing me paying the contractor after we agreed to start using my account to get paid using zelle .in the amounts of {$600.00} {$500.00}, {$800.00} went to our drywall employee out of the {$3500.00}. The client owed {$4200.00}. She claimed she could only send {$3500.00} at a time then refused to pay the balance for what was completed. We are taking her to court to get the balance she owes. I don't know if any of this has to do with my account being frozen but that is the history of XXXX with my XXXX transactions.XXXX  states in their terms that if you send money make sure you trust the person.. if something goes south you probably won't get your money back. It is secure and can't be reversed and doesn't even clear immediately if large amount. My last deposit was 10 days ago. How is it all of a sudden an inbound XXXX  transaction is holding me from accessing my pnc account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.
Product: Credit card

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Product: Debt collection

On XXXX, XXXX 2023, I, " " paid in full a previous balance of {$590.00} directly to XXXX for the purpose of resolving a outstanding debt to XXXX and to have my credit report to reflect paid in full by debt collector Jefferson Capitol Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) ( XXXX ) XXXX I called Jefferson Capitol Systems directly to advise that my debt to XXXX was paid directly to XXXX. Jefferson Capitol Systems attempts to force me to pay the debt twice before correcting my credit report. 
Whereas XXXX was paid directly, Jefferson Capitol Systems is not entitled to a duplicate payment of {$590.00} resulting in combined payment of {$1100.00} for the single debt of {$590.00}. 

Jefferson Capitol Systems continue to refuse to update my credit report although the XXXX XXXX is paid in full and is verifiable through XXXX.
Product: Consumer Loan

We applied for an auto loan online with XXXX XXXX XXXX. Received an email saying that they received our application and attached a copy to the email. We were unable to open the attached application. Moments later we received another email saying a decision had been made. We followed the link ... no decision was accessible. Called XXXX number and they referred us to the dealership to get the information. Called dealership.. they had problems opening the file also. Five days later called dealership and they said application was denied and that the trade-in information was not on the application. The dealership felt that that was probably the issue in the denial. Both XXXX XXXX and dealership wanted us to resubmit our application. We do not want to resubmit because that would put another inquiry on our credit reports. XXXX XXXX not only did XXXX inquiry but XXXX! XXXX by : CHASE AUTO XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX We are very upset that they did XXXX inquiries on our credit report. They were not given permission to do so. We tried working with JPMorgan but kept getting transferred to different offices. We would like to get a copy of the application to see what they based their denial on. From what the dealership says the application they saw was incomplete. Please help.
Product: Debt collection

On XX/XX/XXXX @ XXXX XXXX  this communication was received from XXXX XXXX : regarding our conversation on XX/XX/XXXX, about the proof of payment for the XXXX payments you madethe clear dates you provided me, match the payments made to another account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to move a credit from another account that was meant for yours, but one of the 5 payments made to his account was refunded to another account, which is the reason for the {$30.00} balance due remaining on your account XXXX  phone records will attest many failed phone-call attempts to receive XXXX XXXX  evidence of the alleged attached never received {$30.00} refund : attached as : Status UNPAID Date of First Delinquency XX/XX/XXXX XXXX XXXX office staff refused to read the above communication @ XXXX XX/XX/XXXX. XXXX XXXX alleged XXXX Manager XXXX XXXX refused to provide an email address to receive the above communication during her XX/XX/XXXX XXXX initiated phone call. XXXX XXXX additionally called XXXX XX/XX/XXXX from XXXX with voice message : Hello Mr. XXXX XXXX XXXX XXXX returning your call. Ill try later. 

The above XXXX XXXX, XXXX call was in response to my phone call to XXXX XXXX XXXX , chief executive officer for XXXX XXXX , the reported XXXX XXXX legal owner. 

As the above {$30.00} refund has never been received by me, the {$30.00} falsely alleged due XX/XX/XXXX represented by XXXX XXXX remains paid. The attached is the XXXX-account provided by XXXX XXXX to make the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reported payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

XX/XX/year> requested cashiers check. XX/XX/year> confirmation of cashiers check and sent to receipient via XXXX XXXX. XX/XX/year> Received email from fraud protection to call them. Spoke with fraud protection, verified all of the information and then was informed I was too late because a stop payment was put on the check and I should inform the receipient to not attempt to cash the check and to destroy it. The funds would be replaced in 3 business days. XX/XX/year> Called to find out the status of replacing the funds and was told it should be by XX/XX/year>. She asked me about the physical check and I informed her it had been destroyed as requested. XX/XX/year> Received email requesting an an affidavit be notorized and returned to them before my funds would be retstored. Called to find out what was going on as I had followed all of the instructions and was told this is what i have to do to get my funds back and it will take an additional 5-7 Business days after receipt of the affidavit, which means they will have had my money for over two weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have four fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I attempted to contact Nelnet via email. I will include my message to them at the end of this section. I had my loans transferred from Great Lakes. I had set up an account on XX/XX/year> and could log in at the beginning to see a SAVE plan with {$0.00} payments. Nothing has changed in my circumstances, and I received no communication indicating a change, but suddenly my payments are {$330.00} a month. I am receiving automatic emails from Nelnet and Dept of Ed that action is needed on my account. However I am unable to reach anyone via phone due to unrealistic wait times and I am not able to get an email response from them. At this point I am so frustrated and distrustful that I would prefer only email communication from them for the sake of having a paper trail. I do not see why I need to pay back incorrect or misguided amounts ( or really owe them anything at all ) if they are not upholding their responsibility as a loan servicer and actually servicing the loan. All research Ive done online points to zero solutions and many others struggling with the loan servicer failing to service loans. 

My goal is to rectify the account to reflect having a {$0.00} payment, erase the negative balance and consequences from this, and make Nelnet understand I can only uphold my end of this if they also do their job. Not only do I find these loans predatory in the first place, but this is absolute torture. 

The email was as follows : I am writing to rectify an issue with my Nelnet account. 

Upon making my account after my loans were transferred from Great Lakes, the website indicated I was on the SAVE plan with {$0.00} payments. I expect this information to be correct simply as a bare minimum expectation per the agreement of the borrower and loan servicer. However, this is additionally important due to extenuating circumstances I have faced this year. 

I have now received correspondence that my account is past due. The notice is dated XX/XX/year>. 

I expect this balance to be corrected, for interest accrued to be adjusted accordingly, and for the SAVE plan to be verified on the account. The account upon set up was in SAVE status per the website, so additional payments and processes should not be necessary. The account was set up XX/XX/year>. To reiterate, the balance and interest to be corrected. I will keep documentation of these correspondences, including the ones incorrectly indicating I have payments due. I will conduct all correspondence in writing to later verify my efforts to keep my account correct if necessary, as I am displeased with the transfer of my loans to a servicer that does not seem to be organized or respectful of the borrowers time and money. 

Thank you for your prompt attention to this matter. I look forward to having this promptly resolved and having a straightforward relationship between borrower and servicer in the future. 

XXXX XXXX
Product: Mortgage

Previous complaint number XXXX Dovenmuehle Mortgage has reported to the credit bureaus a Major Derogatory again for the month of XX/XX/XXXX. According to the Coronavirus Aid Relief and Economic Security ( CARES ) Act if my loan was current prior to the forbearance the loan will report current. My loan was in fact current and had been since its inception. This is unacceptable! 
As a good faith effort on my part I paid my payment for the Month of XX/XX/XXXX on XX/XX/XXXX because their prior excuse for this was that I was making payments later than the XXXX of the month ( but before it was actually late, so prior to the XXXX of any month ), and that was complicating my " status '' in their system to show me as 19 months overdue. An excuse I find totally unacceptable. 
As stated in my original complaint I have been requesting deferral paperwork to rectify my loan since I resumed payments in XXXX of XXXX. So for 11 months Dovenmuehle Mortgage has been who is delinquent not me. 
At this point their actions are affecting how other companies view my credit as one company has already lowered my credit with them to reduce my ability to run my business from that card as I have done when needed in the past. I am forced at this point to explore my legal options because of the careless actions of Dovenmuehle Mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EQUIFAX REPORT IS SAYING NOT MORE THAN TWO DAYS LATE WHICH I DONT HAVE ANY LATE PAYMENTS ON MY XXXX XXXX ACCOUNT.
Product: Debt collection

On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX on XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX on XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. 

Now in XXXX, I am receiving this notice out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was paid in full, but still shows on my credit file. Please remove from credit file immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I sent {$400.00} via XXXX with Wells Fargo to someone by the name of XXXX XXXX at the email XXXX ( a friend who was registered with XXXX and he was not ), who claimed to have football tickets I was looking for, and he even emailed confirmation of the tickets, which I now know is fake. When I realized this was a scam, I called Wells Fargo and to my astonishment there is absolutely nothing they can do. I thought at the least they could dispute the transaction or file a claim. I feel very unsecure now with my own bank, and am at a loss as to where to turn. Being able to feel helped and secure by a bank is very important to me. I am just a have never been scammed before and being my first time, Wells Fargo has not be helpful in the least bit.