23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased some items and a protection planfrom XXXX XX/XX/2022. On XX/XX/XXXX, the order was scheduled to be delivered on that date. My purchase was never delivered and someone had signed off on my signature. I was given a refund receipt implying that the item was delivered with no address marked and singed by " XXXX XXXX ''. Instead of completing my refund, my credit card company, XXXX, and XXXX to explain why or even make any attempts to correct the situation. I spoke with a supervisor, who did nothing to resolve the issue, instead telling me " a dispute will be filed and can take up to 120 days. I have received no calls or anyone trying to reach out to me in this frustrating time while I wait for my money to be deposited back to my account.I have also filed a police report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX XXXX : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$0.00} - tied
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FourSight Capital has received a payment in the form of a credit for the amount of {$2800.00} on XX/XX/2022. This payment was verified and credited to the account. I requested that the payment be applied as a normal payment. FourSight Capital has refused to apply the payment to both the principal and interest balances and will not code the credit as a payment to the account. FourSight Capitalan has fraudulently reported an incorrect late payment after receiving a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX  has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.
Product: Vehicle loan or lease

For 6 months in XXXX I took advantage of the deferred payment program chrysler financial offered during XXXXIn the fall of XXXX a woman from Chrysler financial gave me misinformation and told me my account was current even though online the bill showed a large amount due. She told me to make my regular payment and she told me what date to start it on. I paid as per her instructions. Continued making the instructed payment as per Chrysler employee even though the total amount due online was suggesting different amounts. Months later I saw a late payment on my credit report. 

So I filed a case XX/XX/XXXX. XXXX XXXX and XXXX XXXX confirmed on XX/XX/XXXX that the error was Chryslers fault and not mine and they confirmed they would contact all 3 credit bureaus and make sure the late payment was removed. They confirmed the employee gave me inaccurate information and the online billing showing odd amount due was because of the deferred payment program and many people are Chrylser were confused by it. 

XX/XX/XXXX late payment again for the SAME reason. Because deferred payment the amount due shown online was out of XXXX. It would show due {$1200.00} instead of the {$390.00} a month. So I called and the gentlemen told me what to pay and I paid it. 
He told me to pay a certain amount and there would be no late payments. He said again, because of the deferred payment program that the online amount due is not accurate. I did what he instructed and a couple months later I was given another late payment! 

I filed complaint and on XX/XX/XXXX chrysler reviewed the call and manager said recordings did not show that chrysler caller made a mistake. Even though it was exactly the same Mistake twice. I would like to listen to this call I always paid all my bills on time for 30 years. My history shows that. Even with jeep I paid all payments on time before and after this glitch in their accounting. I think the company had never dealt with the deferred payment for covid and their systems got mixed up. I took advantage of the XXXX  6 month deferral Program and that was my right, I shouldnt be penalized for their accounting error. They set a precedent by admitting to the first error so they need to admit to the second error as it was the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNT DO NOT BELONG TO ME XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report under the account with Midland Credit Management, account number XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. Additionally, 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information stipulates that if any item of information is found to be inaccurate or incomplete or can not be verified after a reinvestigation, it must be promptly deleted or modified, and the furnisher of that information must be notified. 

The following information on my credit report is inaccurate : - **Date opened : ** XX/XX/XXXX - **Status : ** Collection account, {$1100.00} past due as of XX/XX/XXXX - **Balance updated : ** XX/XX/XXXX - **Original creditor : ** XXXX Upon reviewing my records, I have found no basis for the account information provided, and I request that it be promptly deleted from my credit report. This disputed information is causing a significant negative impact on my credit score and is affecting my ability to obtain credit. 

Please investigate this matter and correct the inaccurate information or delete it from my file in accordance with the FCRA. Enclosed are copies of documents supporting my dispute : - Copy of my credit report with the disputed account highlighted. 
- Any relevant correspondence or records disproving the accuracy of the account information. 

I appreciate your prompt attention to this matter and request that you send me written confirmation once the investigation is complete and the necessary corrections have been made. This same alleged debt is being reported by XXXX. This is illegal. Midland Credit Management is trying to collect on the same account and they are both reporting how they were two different accounts and they are affecting my reputation with their bad practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, Equifax / XXXX / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XXXX  Balance : Balance : {$17000.00}. I believe it was reporting in error.
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. 
XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 suppose 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.

and according to 15 USC 1681s-2 they are suppose 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 inaccurate.

15 U.S.C. 1681B ( 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

On my profile there were XXXX hard Inquiries Date XX/XX/2024 described as auto loan With the companies name of XXXX XXXX CApital one auto finance XXXX XXXX XXXXXXXX XXXX XXXX Capital one auto finance. 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks
Product: Debt collection

This item showed up on my credit report and I have no knowledge of it.
Product: Credit reporting or other personal consumer reports

Requested detail billing from XXXX XXXX ( debt collector ) in reference to creditor ( XXXX XXXX XXXX ) I maid 2 payments on a {$650.00} XXXX  bill. One payment was for {$100.00} on XX/XX/XXXX XXXX and another payment if {$75.00} on XX/XX/XXXX. The {$650.00} balance was reported to Experian excluding my {$100.00} payment. I emailed proof of payment to XXXX XXXX and finally after 3 months was given the {$100.00} credit, but they reported the {$550.00} to Experian without my {$75.00} payment credit. I've been disputing with Experian since XXXX and all I get as a result is '' information accurate. '' I've even uploaded my payments to Experian and still nothing. Experian NEVER truly contacted the creditor nor debt collector because I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile seems to not exist even though I had an open US Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).
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 to privacy and confidentiality under 15 USD 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. 1681 section 602 a. states I have the right to privacy. 15 u.s.c 1681 section 604 a sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items 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 ) 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

XXXX  days have passed. With no response. Items are supposed to be removed as XXXX  days have now passed under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), Experian is required to notify consumers of the results of reinvestigation within XXXX  days
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - I paid XXXX XXXX of XXXX XXXX XXXX  {$900.00} through XXXX, by way of Bank of America for parts he claimed I needed for my home appliances. He was supposed to complete the repairs on XX/XX/2020 but cancelled the morning of. 

XX/XX/2020 - I received a 2nd opinion from another appliance repairman who informed me that the parts and services XXXX XXXX claimed I needed were false and unnecessary. He used deception to get me to pay him {$900.00} for services that were not needed. 

XX/XX/2020 - I called my bank, Bank of America, to report a XXXX transaction of {$900.00}. I was told by the Bank of America agent that it would be investigated and if it was determined to be fraud, then they would attempt to withdraw my funds from his account. 

XX/XX/2020 - I called Bank of America back to request an update for my claim. I was told by this agent that the first agent provided me with false information when she told me that Bank of America would make an attempt to retrieve my funds from the receivers bank account. This agent informed me that my claim was considered a scam rather than fraud and they could not retrieve my money. 

Bank of America did not make it clear that there is a difference between fraud and scams and XXXX offers no protections against scams. XXXX states on their website that consumers " may not be able to get your money back '' if the victim of a scam but that statement is not definitive. The first Bank of America agent I spoke to provided me with false information stating that an attempt to withdraw my money from the receivers account would be made. I don't understand how Bank of America could allow these things to happen to their customers and why there are no protections in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXas soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
Product: Debt collection

An employee called and also text me outside of work by violating my rights and threatened me through a text that's listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.
Product: Debt collection

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

Account name : EDFINANCIAL Last reported XX/XX/year>, Account name : EDFINANCIAL Last reported XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my XXXX 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 USe 1681e ( b ). And according to 15 USC 1681 5 suppose 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 incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reports contained in my credit file that are well over XXXX years old like World Finance and XXXX XXXX and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.
Product: Mortgage

I applied for a loan modification with a Ocwen Loan servicing in XXXX XXXX. My home had sale date set for XXXX XXXX XXXX while in the modification process. Which was finally postponed. I had a new sale date set for XXXX XXXX XXXX. Then on XXXX XXXX XXXX I received a modification which I was to review. The sale dates are totally a violation of my CALIFORNIA HOMEOWNER BILL OF RIGHTS. When the XXXX XXXX XXXX sale date was finally postponed a new sale date for XXXX XXXX XXXX was set. VIOLATION VIOLATION VIOLATION! Ocwen is still breaking the law of California while under investigation. The CALIFORNIA FINANCIAL PROTECTION BUREAU. The CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. Why does this keep happening to me and other people of California and the country. Ocwen has been fined by the state which means nothing. Because Ocwen seems to be above the law. What is going to be done for me the home owner for violations of California law. The attempts to foreclose on my home illegally. The law is suppose to protect me and other people of the state of California. The facts are true that Ocwen has violated the law many time in California and around the country. HOME OWNER BILL OF RIGHTS OF CALIFORNIA. CALIFORNIA STATE SUPREME COURT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WRONGFUL FORECLOSURE and cases prior to foreclosure. All the FRAUD from ROBO SIGNING to PHOTOSHOPPING to VOID FORECLOSURE SALE DATE NOTICES. Also PREDATORY LENDIND AND SUB PRIME LOANS and MORTGAGE BACK SECURITIES. My loan is a PREDATORY SUB PRIME LOAN. But the same FRAUD still going on today. STOP this now. GREED GREED GREED! Call it like actually is. I am not making this up. This kind of behavior has to me over and over again. I have health conditions be of what I am going through Ocwen. My so called modification I sent to me consist of a payment of XXXX. Which takes up 53 % of my net income. This is totally absurd. My monthly debt is around XXXX dollars a month. Ocwen has listed my net income at XXXX. Which I do n't know how Ocwen came up with that amount. My loan amount that Ocwen states that I owe is XXXX. My house value of today is only XXXX tops. By XXXX I would pay Ocwen XXXX plus a balloon payment of XXXX due XXXX. A total of XXXX in a total of 18 years. Totally RIDICULOUS amount. This not helping me with my payments or my loan amount. It is only in the best interests of Ocwen and XXXX XXXX. Let me make myself clear. It does not cost Ocwen and XXXX XXXX a dime to give me a modification I can actually afford. The government through the taxpayers have paid for it. The stimulus package back in XXXX and up until now. I did not get the bailout nor did the rest of the people of California and the country. The banks like XXXX XXXX and the rest of them. They get paid by the insurance companies like XXXX OR THE FEDERAL RESERVE when a house goes into foreclosure process. So when the servicing companies and banks foreclose on someone. What ever they get on the foreclosed property is all profit. Millions of WRONGFUL FORECLOSURES across the country.