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

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureaus ) that you report to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been user of coinbase over 6 years. My account is verified and have 2 XXXX XXXX. Coinbase flagged my account for a manual review with no good reason, my account is unable to buy or sell asset. I have been working with their team and customer support, but they keep saying the same thing, keep me in a loop with no real progress. My case number is XXXX.
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights. 
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 XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed 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.

According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Debt collection

Please submit under the penalty of perjury on and for the record. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 
1.The name of the original creditor ; and 2. The address and phone number of the original creditor ; and 3. The name of the person who verified the dispute with the original creditor ; and 4. The cusip information for the application ; and 5. The True Books including : balance sheet, FAS 95, Thrift Finance Report ( TFR ), FR 2046 Balance Sheet, 1099-OID, S-3/A registration statement, 424-b5 prospectus, RC-S and RC-B call schedules. 
6. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 7. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 
8. Please furnish the license of the person collecting on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX  XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XXXX XXXX, XXXX, XXXX XXXX XXXX, Credit Control LLC, and XXXX XXXX XXXX XXXX XXXX are all trying to collect a debt, the same debt, that I am not responsible for. Each time I inform one of these companies that the debt is not mine and provide them with the letter from the original creditor, I receive a letter from one of the other companies trying to collect the same debt on behalf of XXXX XXXX, XXXX. 

In XX/XX/XXXX, the original creditor of this debt, XXXX XXXX XXXX, performed an investigation and determined that I was not responsible for any previous or further balance on this account. ( Letter from XXXX XXXX XXXX Attached ) I notified the above companies of this on multiple occasions and included the letter from XXXX XXXX XXXX on the following dates. Tracking numbers are included XX/XX/2020 Notified via certified mail ( XXXX ) and fax XXXX XXXX, XXXX  XX/XX/2020 Notified via priority mail ( XXXX ) XXXX XXXX XXXX  XX/XX/2020 Notified via priority mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via mail XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX ) Credit Control , LLC XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX Each of the above were responses to letters I received from the above companies attempting to collect the same debt. 

I have also filed multiple disputes with the credit reporting agencies against this debt. Each time the debt comes back verified by XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have appeared on my credit report, as I did not authorize them. These inquiries were made without my permission, and I believe they are incorrect or fraudulent. I request that you immediately investigate and remove these unauthorized inquiries from my credit report to ensure the accuracy of my credit information. Unauthorized inquiries can negatively impact my credit score, and I expect prompt action to rectify this matter. Please confirm the removal of these inquiries and provide me with an updated copy of my credit report once the issue has been resolved. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, due to my wifes health complications, I applied for a VA Loan Forbearance. The forbearance was extended through XXXX of XXXX, at my request. I notified my mortgage servicer, Pennymac Loan Services , LLC at the end of XXXX that I was able to resume my regularly scheduled payments but that I could not make a lump sum payment for the months in forbearance. I provided a request and detailed reference to the applicable VA Covid Relief program that I was qualified for but Pennymac refused to make such application. Pennymac later stated that the program I requested, the VAPCP, had been discontinued and they were not screening applications after XX/XX/XXXX. This contradicts the official VA website which lists the last date for accepting applications as XXXX, XXXX of XXXX. 

Instead, Pennymac pushed my application toward two other programs which stood to benefit their interest over those of me, the Veteran. This was in direct conflict with the requirements of the VA that the best financial interest of the veteran come first. Many other VA loan holders have told similar stories on various media, including this CFPB website. 

When I recounted my story on a XXXXXXXX XXXX dedicated to complaints about Pennymac 's blatant disregard for those they claim to serve, I was contacted the following day by a representative who said they were going to look into the situation that ended up adding over $ XXXX in payments and taking my loan rate from 3.0 % to 7.65 % and extended my term to 457 months ( I will be over XXXX XXXX XXXX at loan maturity! ).
Product: Credit reporting or other personal consumer reports

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, 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: Mortgage

When we refinanced our mortgage loan with Mr. Cooper, on XX/XX/year>, the mortgage company failed to submit the " Satisfaction of Security Instrument '' to the office of the Register of Deeds of XXXX XXXX, XXXX XXXX  I have reached out to their customer service with no resolution and no one seems to know what department can assist. We need this document on file ASAP in order to move forward with the sale of our house.
Product: Bank account or service

I opened an account in apx XX/XX/XXXX and was told due to my credit history I needed a Opportunity Checking and had to pay a monthly maintance fee for 12 months. I agreed and once I completed 12 months in good standings my checking account was converted to a normal checking account with out monthly fees. XX/XX/XXXX I got a phone call from a fraud unit officer asking if I had knowledge of someone from out of state depositing a large check into my account. I stated no, they told me I was possibly hacked and they would research and call me back. I was called a few days later told yahoo or somewhere had a large breach and my account was compromised. I was told my account would be closed and I could just have a new one opened. I went to start the process of having one open and now im being told that I owe Webster money from XX/XX/XXXX. They are unable to tell me why or any details. I am told I need a Opportunity checking again and I have to pay a monthly fee. I disputed this because I do not agree that I owe money to Webster. I also pointed out I have had a open account for almost 2 years in good standings. The manager said he was going to call me back but never did, when I called back he did no research and said he thought he already told me I need a opportunity checking, I said yes and I disagreed asking for that to be fixed. I called customer service and asked the manager on more than 3 request to have the office of the president or corporate call me to discus this issue and I was refused to be able to speak with anyone. I told the manager I would be filing a complaint and he said go ahead.
Product: Debt collection

Dear Hunter Warfield Inc ; Sir/Madam, These alleged debt of {$10000.00} that i'm not aware of. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Never my addresses : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent. 

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX  credit report ( Report Number XXXX hard copy ). The results of XXXX  investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX  to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. 

How could XXXX  report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.
Product: Mortgage

This is a summary and overview of my complaint against Ocwen Loan Servicing and its subsidiaries PHHXXXX XXXX as well as XXXX XXXX  XXXX My complaint contains multiple severe and egregious actions by the aforementioned entities. The complaints are as follows ; XXXX. Tax fraud- In XXXX  Ocwen modified my mortgage as under the terms of the XXXX CFPB Consent judgement. A principal reduction of {$47000.00} was done on my loan. A 1099 Cancelation of Debt in this amount was issued to me for the XXXX Tax year. Ocwen did not reduce my mortgage and has subsequently attempted to collect the full amount. They treat it as deferred debt. I do have a civil lawsuit against them and this a claim listed. Given the circumstances of the XXXX Consent Judgment it is crucial that this matter is investigated on a broader scale as it is highly likely that this is not the only occurrence and other consumers may be adversely effected. Please see attached 1099 XXXX  In addition Ocwen and its subsidiaries have committed violations of the Fair Debt Collections Practices Act- A. I am a consumer under 15 U.S.C.1962a ( 3 ) or U.S.C.1692c ( d ) B. My Debt is a consumer deby under 15 U.S.C. 1692a ( 5 ) C. The Plaintiff is a debt collector under 15 U.S.C 1692a ( b ) D. The violation is under 15 U.S.C. 1692f. 
XXXX. More disturbingly on XX/XX/XXXX the above named companies committed a criminal felony act by intentionally instructing a contractor to break in to my home, while knowing I occupied the home. There was a criminal case in the District Court of XXXX XXXX, Kansas. The case XXXX resulted in a conviction of the XXXX XXXX. There will be additional charges filed as other individuals have been implicated. 
I would implore you to review and investigate these companies for additional violations of the XXXX Consent Judgment as well as potential harm to other consumers. I have litigation currently in the District Court of XXXX XXXX case # XXXX. Additionally I am working with the Internal Revenue Service and the Kansas Attorney Generals office with their investigations of this matter.
Product: Credit card

I have had a Home Depot card for 3 years which is run by Citi - who Ive had countless issues with on personal cards. I rarely use my HD card any longer and always check bank statements and payments along with making payments on their app. 
In XXXX or XXXX, I tried making a payment ( Im still unable to check my statements through the app ) and their entire system was down, for multiple days. After being unable to review my payments, statement not being able to review anything, I could not remember if I had owed anything on the card due to making purchases rarely on the card. Just a few days ago, I received a text informing me of a payment due. Again, I went to my app, and the price was steep, yet I was unable to view my statements to review any charges. Upon calling HD, the first rep removed XXXX of XXXX late fees which are incredibly excessive and together were more than what I owed. She could not remove the second fee so she transferred me. I had to state all my info again only to be told that it could not be removed by her either and was now transferred to a XXXX XXXX XXXX Customer service rep, only to be hung up on. I was on the phone for XXXX minutes. I called back and had to go through the process all over again but this time when I was transferred from the initial rep, this woman was horribly rude. She talked over me, refused to allow me to finish statements and was rudely sarcastic and intentionally slow to make a point that I had not spent enough time on the phone. She told me no one could remove the fee and there was nothing I could do. How terrible to inform a loyal customer that has spent XXXX of thousands with HD that I could do nothing. I told her I did not enjoy paying for errors of Citis and how they have collected millions on excessive late fees from customers. Since this is Citis error with their inability to design a working app and the inability to inform their customers that they May experience issues, I feel I should be fully compensated.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times and reached out asking where is my authorized signature stating my consent to do business with them. They never send my signature meaning they illegally obtained my information from a bank or another consumer via internet or third party organizations. I asked to deleted off my credit report for it is affecting my score and other means of business.

15 USC 6802 illegally obtaining my information. 15 USC 1681B still havent received written verification of my signature stating I opened up an account with this business. 18 USC 1028A no lawful authority to use my info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX phone : XXXX date : XX/XX/year> ssn : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Credit Reporting Errors Dear CFPB, I am filing a formal complaint against the reporting practices of XXXX, Experian XXXX and XXXX regarding the following inaccuracies on my credit reports : Accounts in Question XXXX. XXXX XXXX XXXX XXXX charge-off status and balance discrepancies. 

Requested documentation and validation of debt not provided. 

XXXX. XXXX XXXX XXXX Unverifiable collection account reported without proper validation. 

These errors violate federal laws designed to protect consumers : FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must verify disputed information within 30 days.

FDCPA Sections 807 & 809 ( 15 U.S.C. 1692e & 1692g ) : Debt collectors are required to provide debt validation and avoid deceptive reporting practices.

I request the CFPB to investigate these violations and ensure the credit bureaus comply with their legal obligations. These inaccuracies have caused undue harm to my financial well-being, and I seek timely resolution. 

Thank you for your assistance. Please let me know if additional information is required. 

Sincerely, XXXX XXXX