23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.
Product: Credit card or prepaid card

Problem is with the holding of payments for 2 to 3 days when purchases get deducted instantly.

I've also requested a line increase year over year for the past 5 years without success.

Capital One seems to be okay with processing charges on a minutes notice but my payments stay in transaction limbo for 24 to 72 hours and the only reason they give is, that there are transactions pending.
Product: Debt collection

I requested verification for this debt because I dont know where it came from and why its on my credit. Submitted disputes it was removed then added back to my credit. Opened XX/XX/2017 debt collector Phoenix collections in the amount of {$230.00}.
Product: Credit reporting or other personal consumer reports

All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. XXXXndividual Is constantly being harassed by debt collectors sent by certain lien holders. Sharing personal information is illegal and fraudulent.
Product: Student loan

I took out a student loan primarily using my relatives credit for the amount of XXXX dollars for the XXXX acedemic year. The issue is that I accidentally selected the option that does not defer the payments for the loan and now I have a XXXX bill every month which I can not afford so a few times I had to pay late. I have called them many times, but their general response is ask your brother for money. This is an issue however because first of all its my loan which is meant to be paid by me, there is only so many times I can ask for money, and second of all he has his own bills and expenses. I need a solution to this because right now I am scraping every cent I have to pay for that, and am left with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The lists of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRY NAMES : XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Debt collection

I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : ending on XXXX Also this account was delete and re inserted i have letter proof open attach.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Agency, I am writing to express my concern regarding a significant issue within the credit reporting system that adversely affects consumers. Specifically, there exists a pronounced lag between the time a debt payment is made and cleared, and when this update is reflected on consumers credit reports. This delay, often spanning two to three months, has a profound impact on credit scores, leading to unfair consequences such as inflated interest rates and restricted access to credit during this lag period. 

Issue at Hand When consumers pay down their debts, their intention is to improve their financial standing and, by extension, their credit scores. However, the current reporting framework creates a systemic delay. Credit bureaus rely on periodic updates from creditors, which may only occur once per billing cycle or longer. During this time, consumers credit scores remain artificially low, inaccurately reflecting their improved financial behavior. This disparity not only undermines trust in the credit scoring system but also imposes significant financial burdens on borrowers who are subjected to higher interest rates or even denied credit altogether based on outdated information. 

For instance, if an individual reduces their credit utilizationa major factor in credit scoringit can take months before their score reflects this positive change. In the interim, their ability to secure affordable financing or qualify for essential loans is hindered. Such lags disproportionately affect those striving to improve their credit standing, creating a cycle of disadvantage that could otherwise be avoided with more timely updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$17000.00} XXXX XXXX {$50000.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$320.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX i received a camera purchased from XXXX, the camera had defects and was not functionally operational as intended. I that weekend opened up a case with Citi and was provided a conditional credit a few days later. I provided description and proof. 
On XX/XX/XXXX Citi sent me that they will investigate the issue after the CFPB complaint On XX/XX/XXXX I provided the PDF below called proof.pdf that shows proof the item was damaged and was not functioning as intended On XX/XX/XXXX, less than 48 hours they sent me " We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor, since we have not received valid proof of what was expected versus received, and any proof of return. 
Please contact the merchant to pursue this matter further. 
We now consider this investigation complete. '' This is after providing the visual proof that they requested! 
I then contacted Citi again via phone and an agent said they would reopen the case as he saw the proof in the images. 
On XX/XX/XXXX I got " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit. '' Once again, referring to proof.pdf, XXXX refused to give me my money back and I could not refund the item. I then contacted Citi again and they said they would look at the case once more without the phone rep elaborating based on the proof i provided. 

On XX/XX/XXXX Citi closed the case for good with this note " We have reviewed the information you provided, as well as the information provided by the merchant. Unfortunately, we are unable to continue your dispute as we have determined the merchant is unwilling to issue a credit. 
We now consider this investigation complete. ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX was the first complaint and the response from company that items were fixed including only having one name, one address, one social and employer. Nothing was fixed. XX/XX/XXXX I contacted them once again and was told they received my ID but no other documents when all documents were sent together. I still don't have access to my credit report. I have an online account for with Experian and it refuses to allow me to change the phone number so I can update my password to login. I have contacted the company several times to fix this and all I get is automated services. I dialed this number XXXX, and I'm left on hold with no assistance. I have tried pulling my credit from other XXXX party sites that monitor your credit report, and it always comes back that Experian credit report can't be authorized. This is really frustrating and against the law for them to not fix the issues and reporting incorrect information on my credit report. I am ready to file a complaint with the court and sue Experian for this situation.
Product: Credit card

I was denied my consumer credit, and I know how to due business, I know how to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are showing up my account that I never signed up for or applied for. I wrote Transuion, XXXX and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXXXX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XXXXand did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Central XXXX XXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 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. 1681 s-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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen and my account had been used and i havent used any money from account. I want my money back
Product: Credit card

Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has said they will adjust the late payment on my credit report and it is not being removed