23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house
Product: Credit reporting

Every time i try to check my credit score it says my personal information is incorrect. I put in all my old addresses and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I reached out to experian, XXXX  and XXXX regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.
Product: Consumer Loan

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand.
Product: Credit card

I found there was an unknown transaction of {$380.00} from my Bank of America credit card on XX/XX/year>. And I couldnt find this credit card. So I reported to Bank of America about the card lost and fraud transaction. Claim ID : XXXX. But after several days, BOA denied and closed this claim. They stated that they received the receipt and shipping documentation from the seller. But from the documents, the customer 's name, phone, email, address, purchase IP address are not mine.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and have no history with XXXX XXXX. Direct communication with the bank confirms no record of my association. Information suggesting otherwise is inaccurate and tied to fraudulent activities. I'm actively resolving this issue, reported to authorities. Kindly assist in rectifying any erroneous XXXX XXXX-related records.
Product: Credit card or prepaid card

I was an authorized user on a BofA credit card and it is reporting to my credit as a bad account. I have requested removal and for them to take it off my credit since I am not financially responsible but they have failed to do so.
Product: Debt collection

This debt was attempted to be collected by XXXX XXXX and after working with the original company they could not verify the debt and removed all collections and flags in XXXX of 2019. And A letter followed for confirmation. In XXXX of 2019 DCI collections has been attempting to collect this debt and originally flagged my bureau with no calls and/or written notification. The day after my bureaus were flagged I provided the letter from the previous agency and this debt was then lifted from my bureau in XXXX of 2019. However in XXXX I am receiving calls regarding this debt from XXXX XXXX XXXX once more. Attached is the resolution letter now provided to DCI twice and copies of their most recent calls to me. No other action has been provided by this agency.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving repetitive calls from THE DELEGATES GROUP to collect dept that has been already paid. They have called my family and my empllyer to obtain information. They are rude and very pushy on the phone not even introducing themselves professionally. When I asked for a debt collection request through mail they refused to provided it. On multiple occassions they said they have Comenity bank on the other line but never connected me with them. They ask personal questions that a debt collector should not be asking. When I asked that they do not bother me while I am at work they were rude and refused to call after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and  605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Mortgage

We used a purchase money second in XXXX of {$150000.00} to avoid property mortgage insurance. Both predatory loans originated with XXXX, transferred to XXXX, and then XXXX went to XXXX and XXXX to Specialized Loan Servicing. XXXX modified our XXXX and said they were doing the XXXX. We received a welcome letter from XXXX bank and called XXXX to ask about our modification. XXXX told us to shred welcome letter and that it was a scam. Reassured us that XXXX was in for modification. XXXX said we needed to file a bankruptcy in order to initiate modification of our XXXX. We filed a Chapter XXXX in XXXX, called SLS in XXXX to resolve situation of modification with them. They wanted a lump sum buyout and would n't talk to us due to bankruptcy even though our attorneys sent in an authorization for them to speak directly with us and even though BAC did modification on our XXXX when we already filed bankruptcy. SLS capitalized the interest on the loan to where it 's approximately {$40000.00} above the original {$150000.00} borrowed loan amount. After our discharge on XXXX/XXXX/XXXX, XXXX offered a structured settlement to pay back approximately {$190000.00}, but they have n't put offer in writing. We 've requested a QWR and a forensic audit of the file from date of inception of loan, and XXXX has refused in writing to supply this documentation. Please see lengthy attached paperwork including letters to XXXX Office of the President, Office of Comptroller of the Currency, XXXX XXXX 's office to try and resolve our mortgage issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I contacted XXXX, XXXX & Equifax notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my credit card account number XXXX my credit card was cutoff because of the primary was XXXX
Product: Debt collection

I requested the original consumer contract with my signature that you have on file to verify if this debt is accurate. By law you need to DELETE accounts that are inaccurate, incomplete or unverifiable. 
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The company responded with the following actions taken on my credit file : " You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-UPDATED XXXX XXXX XXXX. 
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Complaint I.D # XXXX. 
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No original contract was given or sent via mail : account was not verified.

Please view 15 USC 1681i and 15 USC1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen in XX/XX/XXXX, and Trans union HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, Transition : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense.

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.
Product: Mortgage

I have had an issue contacting my mortgage company NewRez LLC. They have a ton of different phone numbers listed on their website, mortgage statement, etc. and none of them work and haven't over the past month. I have been trying to call to discuss my escrow account and every line is disconnected along with them not responding to my secured online messages. They have different addresses listed as well. 
Newrez LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX None are functioning phone numbers and I am worried this is a total scam! I pay my mortgage every month and I don't know how they can not talk to their customers. This is just scary!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 )
Product: Credit reporting

I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending XXXX ).
Product: Credit card

On XXXX XXXX website there is advertising that if you apply for the Citi card and you are approved, that you will get {$200.00} statement credit XXXX bonus miles and there is a graphic subtracting {$200.00} the amount of the ticket you are in the process of purchasing. After applying it says that you will be redirected back to the page and you can use your temporary Citi card to pay for the flight. 

But Citi Bank never sends you the temporary card information and you can not use the card, and therefore cant get the statement credit and discount that their advertising implies you will get in order to incentivize you to apply for the card. You are also locked out of your Citi account because it asks you for the credit card number they never sent you. 

I called customer service and they had a speech prepared telling me there was nothing they could do to help me it was very clear this complaint was not new. I checked online and found several people complaining about this experience, so Citi Bank is aware of it and has done nothing to fix it. This is false advertising and it is bait and switch advertising.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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

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

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

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

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

Cavalry SPV hired XXXX XXXX XXXX XXXX to collect my deb, XXXX hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then XXXX XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.
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 involved in the process. Upon reviewing my updates, incorrect personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

A XXXX XXXX XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.
Product: Student loan

NAVIENT continues to call and threaten to show negatively on my credit report when their is a student loan forbearance that the President signed until at least XX/XX/2023. They continuously call and harass me for payment. Their number is XXXX i have called and advised of this and they continue to call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by XXXX XXXX that it was removed but it still on my credit report Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I spoke with Bank of America and they said it's not showing anything on there end
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for its ongoing violations of the Fair Credit Reporting Act ( FCRA ), refusal to remove fraudulent accounts, failure to correct inaccurate addresses, and its role in perpetuating harm to my credit profile. These issues have caused significant financial and emotional harm, including denials of loans, credit cards, and other opportunities, all stemming from Experians mishandling of my credit report. 

Since late XXXX I have sent multiple notices to Experian disputing fraudulent accounts and inaccurate information on my credit report. Despite providing clear documentation, including affidavits of dishonor, notary certificates, and other evidence, Experian has failed to fulfill its obligations under the FCRA ( 15 U.S.C. 1681i ) to investigate and remove the disputed information within the required 30-day period. Instead, I have received only generic responses or no response at all, leaving unresolved inaccuracies that continue to damage my credit. 

Moreover, Experian has failed to remove outdated and inaccurate addresses from my credit profile, leaving me vulnerable to further data breaches and unauthorized activity. This negligence is particularly concerning, given the history of data breaches that have already compromised my sensitive information. By refusing to address these issues, Experian is perpetuating harm and exposing me to additional risks. 

The consequences of Experians actions, or lack thereof, have been severe : Denial of credit opportunities, including loans, credit cards, and vehicle purchases.

Continued harm to my credit standing due to the presence of fraudulent and inaccurate information.

Emotional and financial distress caused by Experians negligence and disregard for its obligations under the FCRA.

A lack of just compensation despite Experians clear violations and the harm I have endured for over three years.

I respectfully request that your office investigate Experians noncompliance with the FCRA, as well as its failure to protect consumer data and address disputes responsibly. Specifically, I am seeking : The immediate removal of all disputed accounts and inaccurate addresses from my credit report. 
Written assurances that Experian will implement measures to prevent further vulnerabilities to data breaches. 
Compensation for the financial losses and emotional distress caused by Experians actions.

Accountability and enforcement measures to ensure Experian complies with its legal obligations moving forward.

Experians failure to correct these issues has caused irreparable damage to my financial stability and opportunities. I trust your office will take action to hold Experian accountable for its violations and ensure that it fulfills its duties to consumers under the law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

[ Discover Financial Services , Inc. ] [ Discover Card, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ] IN REGARDS TO ACCOUNT # XXXX I am writing to notify you of a grave violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of my transaction history with your institution to consumer reporting agencies [ XXXX XXXX XXXX XXXX XXXX XXXX, and others 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681a The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my consumer report, I was dismayed to discover that your institution has purposefully included transaction and experience information that should not be reported, as delineated in the FCRA. This violation directly contravenes U.S. Code 1681a, which explicitly excludes from the definition of a " consumer report '' any report containing information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity furnishing the report ( your institution ).

Furthermore, I demand that you ensure my payment history accurately reflects the provisions outlined in U.S. Code 1666b. This statute mandates that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement, including requisite information, is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I hereby demand immediate corrective action to rectify this violation. Specifically, I request that you remove the unauthorized transaction and experience information from my consumer report and ensure that my payment history adheres to the timing requirements stipulated in U.S. Code 1666b. 

Failure to comply with these demands within [ XXXX business days ] will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As stipulated by the FCRA, violations of consumer rights may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief.

Your institution 's expeditious attention to and resolution of this matter are imperative. I anticipate receiving confirmation of the corrective measures taken within the specified timeframe. Your cooperation in rectifying this violation promptly is greatly appreciated.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX