23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.
Product: Credit card or prepaid card

Citibank homedepot credit card. 

I noticed a outrageously high finance charge with the credit cart I received from Home depot throught citibank. they  were charging me almost {$50.00} for the balance of {$390.00}. I called the Citibank about the issue, I disputed right away via home depot website. I made a payment of {$390.00} which is the amount that I owe to home depot Citibank credit card on XX/XX/2018. today, I spent 1 hour 15 minutes to find a solution for this matter, they  insisted that I need to pay that finance charge. I disputed this charge and late fee. I cancelled the credit card right away as of XX/XX/2018. 

They have to follow fair credit reporting act. I already made a payment of {$390.00} XX/XX/XXXX, {$390.00} pay off amount. 

{$64.00} finance charge they claim. 

{$27.00} late fee charge as of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This public record does not belong to me
Product: Debt collection

This debt is my daughters debt she pays it she takes full responsibility for it.. I never signed anything to be connected to these loans and they are hurting my future.. I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. XXXX never extended me any credit so I do not owe a balance. I utilized my own XXXXRN which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the FRNs used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS criminal investigation team for further review. 

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has incorrect information on it. 
There are so many inquiries and accounts that Ive never seen. Please remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has re-inserted years old fraudulent information/accounts. Accounts that have been disputed and removed are now reappearing without warning or new correspondence.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) ( ii ) -the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion I checked my report around XX/XX/2022 and seen the accounts reappear. I haven't received any information of accounts being reinserting in my file. Today is XX/XX/2022. 

I am sending them dispute documents, FTC Report, and the police report for these accounts. These accounts are result of ID Theft and need to be removed promptly. They are currently violating multiple FCRA regulations as well as failing to actively investigate disputes containing legal documents. I only get automated responses. Good luck getting justice with this Bureau, hope the CFPB can assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 XX/XX/2012
Product: Credit reporting or other personal consumer reports

Fathers information is connected to credit opened on my credit
Product: Checking or savings account

I received XXXX checks from The State of XXXX ( XXXX ) on XX/XX/XXXX. XXXX check is for XXXX dollars and the other check is for XXXX dollars. I electronically deposited the XXXX checks to my Chase account. The XXXX checks were placed on hold after a few days and then it cleared. I realized afterwards my account had locked me out. I contacted Chase and they said my account had been restricted because they needed to verify the XXXX checks. I contacted XXXX and asked if there was a number Chase can contact to directly get a hold of XXXX, but XXXX said they never heard about having to verify checks for a bank. I went to the Chase branch and explained my situation. The supervisor had advised me to call XXXX and have them cancel the XXXX checks and refile XXXX new checks and have them put it on a card instead so I wouldn't have this issue again. I called XXXX after and they told me they can not reissue XXXX new checks because it says it has already been cashed. I called Chase again and told them what XXXX had told me so I ask if they can just cancel the checks, but the supervisor of Chase informed me my account has now been closed and the money is considered fraudulent and I might not see the money for up to 3 years and there's nothing she can do until they verify the checks with the issuer. Nobody once informed me I had a time frame to get the XXXX checks verified or they would close my account and the money would be assumed fraudulent. I don't know what to do at this point. It has been XXXX weeks with this ongoing issue and I feel defeated.
Product: Credit reporting or other personal consumer reports

My credit was ran by XXXX XXXX  without authorization. This is caused a debt into my credit report. It is causing me pain to continue to deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, In the results of your Third investigation, you stated in writing that you verified that this item ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EQUIFAX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ;
Product: Student loan

In the fall of 2012, I took out private XXXX loans through XXXX ( now Aidvantage ) to attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to get a XXXX XXXX that would allow me to XXXX XXXXXXXX XXXX. My credit was not very good, so I had to ask my father if he would cosign with me, which he agreed to. XXXX loan was an unsubsidized direct loan for {$20000.00}. The other was a XXXX XXXX XXXX loan for {$10000.00}. 
After successfully completing XXXX year of XXXX school, I was informed that I was not eligible to take out further loans that would allow me to finish a XXXX year XXXX program, leaving me with {$30000.00} in debt and nothing to show for it. 
I dont understand why I was allowed to take out the initial loan if I wasnt going to be able to at least have the chance to finish and pursue the education career that I had intended. 
This experience has left me completely jaded towards the US education and loan system.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off listed on my credit report for the following account : Creditor Name : [ World finance ] Account Number : [ XXXX ] Charge-Off Date : [ XXXX XXXX ] 1.Lack of 1099-C Compliance ( IRS Requirement ) Under IRS regulations ( 26 U.S. Code 6050P ) , creditors are required to issue Form 1099-C for canceled debts. Since this debt was charged off in 2021, and I have not received a 1099-C, the debt may not have been legally canceled, or the creditor has failed to comply with IRS reporting rules. Therefore, the accuracy and legal status of this charge-off are questionable. 2. Fair Credit Reporting Act ( FCRA ) Violation According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reports must be accurate and verifiable. If the creditor has written off the debt and has not issued a 1099-C, then it is unclear whether they consider the debt fully canceled. If the account can not be verified with complete and accurate records, it must be removed from my credit report. 3.Failure to Validate the Debt ( FDCPA Violation, If Applicable ) Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), if this debt has been sold or transferred to a third party, I have the right to request full validation. If the debt has been sold, the original creditor should not continue reporting it as a charge-off. If no valid records exist, this charge-off must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and saw an account that does not belong to me.
Product: Debt collection

XX/XX/2017 Collection agency did not provide information to validate the debt. The debt was disputed as not belonging to the me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account on XX/XX/XXXX OnXX/XX/XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment untilXX/XX/XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXX its still reflecting as open and unpaid.
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 XXXXXXXX, 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 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: Bank account or service

Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. 
Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May  Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX XX/XX/XXXX ) 6. ( XXXX & XX/XX/XXXX ) 7. ( XXXX XXXX XXXX & XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Mortgage

Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Against TransUnion for Incorrect Credit Reporting and Violation of Consumer Rights To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to formally lodge a complaint against TransUnion regarding their handling of my credit report and the reporting of incorrect information that has adversely affected my credit score and overall livelihood. 

Background Information : I have recently discovered that my credit report contains multiple hard inquiries that were made without my consent due to identity theft. Despite providing evidence of this identity theft, TransUnion has informed me that they can not remove these hard inquiries until they contact the inquirers for verification. This process has not only been confusing but also misleading, as it seems to be an unnecessary hurdle that is preventing me from rectifying my credit report.

Issues Faced : Incorrect Hard Inquiries : The hard inquiries listed on my credit report are a result of identity theft. I have taken steps to dispute these inquiries with TransUnion ; however, they have failed to act promptly or effectively. 

Misleading Information : TransUnions communication regarding the removal of these inquiries has been unclear and contradictory. They have indicated that I must wait for them to verify with the inquirers before any action can be taken, which is not only frustrating but also feels like a violation of my rights as a consumer.

Impact on Credit Score : The presence of t
hese unauthorized hard inquiries has significantly lowered my credit score, which directly impacts my ability to secure loans and other financial products necessary for my livelihood.

Violation of Consumer Rights : I believe that TransUnions practices in this matter violate consumer protection laws designed to safeguard individuals from fraudulent activities and ensure accurate reporting. 


Additionally, I would appreciate guidance on how I can further protect myself against identity theft and ensure that such inaccuracies do not continue to hinder my financial stability. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

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

All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.