23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just reported our payment as XXXX days late, which isn't at all correct, as our last payment as we are not behind at all. 

Additionally, we are completely unable to make our payment anywhere. We upgraded our consumer account to a business account with XXXX, which resulted in our XXXX XXXX account disappearing from our XXXX account, which meant we were wholly unable to make the payment through normal means. We also contacted paypal and they know about the issue at hand and have known about it for multiple years, as their own customer help forum indicates. Several customers had this issue and XXXX has done nothing to assist in resolving the matter, as they love collecting the late fees that come in from customers paying late. I have no way of even accessing any of my account information, as XXXX says my account is Restricted when calling in and that they can't provide any information or even accept a payment. I can't make a payment through the mail because I don't know my account number and I can't make a payment through their IVR because it immediately transfers me to a representative when typing in my personal identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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: Debt collection

Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
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. 

Account NamXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment - XXXX XXXX XXXX ( Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXXXXXX  Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased an item from XXXX in XXXX and returned it in XXXX. XXXX sent me an email dated XX/XX/XXXX stating they processed a refund for the item in the amount of {$34.00} to my original form of payment which was Discover card ending in XXXX. I waited a month to allow sufficient time for Discover to post the credit to my current account. When this did not happen, I called Discover on XX/XX/XXXX. Discover said their records only go back to XXXX, so since the card is from XXXX they do not have the record and therefore can not issue the credit. I subsequently called XXXX on XX/XX/XXXX and asked if they could process the refund to my current Discover card, but they said they could only credit to the card used, XXXX. 

I feel the responsibility for issuing the credit to me lies with Discover. Since Discover closed my XXXX account, it is their responsibility to transfer any credit from the XXXX account to my current account. The merchant, XXXX abided by their return policy and issued the refund back to my original form of payment. The transaction successfully went through to Discover and they have my money, but is unwilling to transfer it to my current account. Discover has a history of not transferring credits from my closed accounts to my current account unless I call to initiate the process. This has occurred several times in the past. I feel Discover is using deceptive practices to avoid crediting consumer accounts. I then filed a complaint with CFPB on XX/XX/XXXX against Discover. 

Discover responded to the complaint on XX/XX/XXXX stating they will not return my money because they don't have a record of my Discover card ending in XXXX. Discover stated in their response that they maintain records for up to 7 years, but the card in question is 6 years old. So why they don't have a record of the card does not make sense. 

Whether Discover still have the record of my XXXX card is irrelevant. I used the XXXX Discover card to pay for the item. XXXX has a record of this Discover card transaction. I paid Discover cash for the credit used. Since XXXX sent the credit to Discover and Discover no longer have the XXXX account record, they should have issued me a check. 

I made an error on the XX/XX/XXXX complaint that XXXX issued me a gift card. XXXX did not issue me a gift card for this item. XXXX confirmed that they issued a credit to the Discover card that I used to pay with. Discover did not do their due diligence in investigating my complaint. Discover is using this error to avoid returning my money. I have already paid cash to Discover for this item in XXXX. For Discover not to credit my account or send me a check for the amount is theft.
Product: Debt collection

Subject : Debt Validation Request for Account I am writing in response to your recent communication regarding the alleged debt an account. I do not acknowledge this debt and am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Please provide the following information : 1. The original creditors name, address, and account number.

2. A detailed explanation of how the debt amount was calculated, including fees and interest.

3. Copies of any original agreement or original contract proving that I am legally obligated to pay this debt.

4. Proof that your agency is authorized to collect this debt on behalf of the original creditor.

5. A copy of any judgment, if applicable. 

While this debt is under dispute, you are required to cease all collection activities, including reporting this account to credit bureaus or pursuing legal action, until you provide the requested validation. 

If you can not provide sufficient validation, I request that you stop all collection efforts and remove any negative information related to this account from my credit report. 

Thank you for your cooperation. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a letter on XXXX and sent it on XXXX to Equifax tracking # XXXX, XXXX  tracking # XXXX, XXXX tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : 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

This is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX Balance : {$85000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.
Product: Credit reporting or other personal consumer reports

Under the FCRA, this creditor has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 section 604a section 2 also states a CRA can only furnish an account with my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose. See attached notice.
Product: Debt collection

malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/XXXX and paid off closed on XX/XX/XXXX. now I debt collector hayt hayt landau p, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with XXXX  XXXX XXXX and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account
Product: Student loan

My settlement request has been continuously denied since the early 2022. My most recent request that was submitted on XX/XX/2022 has yet to be responded to. XXXX should have notified me with a decision or some sort of feedback within 5 business days.

I have contacted them several times for an update and have yet to recieve one. 

Each time I submit a request they take longer and longer to respond. XXXX is mismanaging my account that I am struggling to keep compliant.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX. 

The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information. 

On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call. 

On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim. 

Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.
Product: Mortgage

Ocwen XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have violated the Homeowner bill or Rights in its foreclosure proceeding on a loan that I have inherited and have extended myself to Ocwen to find a viable solution. Without Properly foreclosing on the home XXXX and its affiliates have Broken into my home taken my personal belongings and changed my locks. 

Ocwen was notified on XXXX XXXX 2015 that I gained ownership of home by foreclosing on a XXXX XXXX deed by following proper procedure of foreclosure laws for non-payment of prior owner. I also had to evict them and fight off a frivolous lawsuit. At the same time I applied to Ocwen to get some type of short payoff on existing XXXX loan that I inherited during takin of ownership that was taken out by prior owners. In the process of negotiations they have violated my rights. 

1. As Ocwen and its service providers have broken into my home changed locks and have stolen personal property including material and tools for the pending construction. Estimated value of materials $ XXXX {$5700.00}. ( blatant violation of my rights ) 2. During the process of contacting Ocwen I have left voicemails and emails sent to contact in XXXX which I have encountered language barrier and script reading that besides denying a shot payoff request once has not provided any other alternative of resolving my inherited issue ( Runaround and failure to provide Notification of Foreclosure Alternatives ) 3. the Notice Of Trustee 's Sale recorded XXXX is not against current owner and this is enforcement of Prior owner without proper notice to current owner that Ocwen will peruse the foreclosure ( Restriction against Dual Tracking ) 4. I feel that Ocwen has not implemented regulations set by XXXX XXXX and enforced by CFPB to protect homeowners like me and is not offering ( Fair review Process ). 
I ask that that the notice of sale dated XXXX XXXX 2015 to be postponed immediately and a Representative of Ocwen that has authority to negotiate from the Unites state contact me so I can understand my option and also explain myself properly. Ocwen has blatantly walked over the Homeowners bill of Rights in their handling of this process and I firmly believe this is an every day occurrence in their dealings.
Product: Credit reporting or other personal consumer reports

I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is not XXXX  years later and still showing on my credit report.