23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a lowes account since XXXX. I have paid the same date, through my bank since that time. I was charged a late fee on XXXX/XXXX/16 for XXXX, despite having paid well over the minimum requested payment, as I always do. Again, payments are automatically posted on the XXXX ( depending on business day of that month ). 

XXXX in Lowes customer service ( XXXX ) was completely unhelpful or apologetic ; told me I am paying too early and I should be changing my payment to " the XXXX '' to avoid the issue. Again, in 1 years time, this is the first time they have charged me a late fee ... ..
Product: Mortgage

- I've been trying to close this loan for 3 months after I was pre-qualified and provided income payment stubs, statements of accounts and taxes forms. I work as both employee for a XXXX XXXX and also XXXX as XXXX in XXXX XXXX. 
- I formally applied on XX/XX/XXXX under PenFed ( Loan Number XXXX ) - PenFed asked me to provide proof of precedence of several deposits in my statement of account which I did ( all deposits were checks and one transfer between my accounts ). 
- Now PenFed is asking me to provide invoices for legal services I rendered related to checks deposits registered in my account. I can not provide details or copy of my invoices because I provided services as lawyer and that will violate attorney-client privilege ) - None of the deposits exceed {$7000.00} and I reported and paid taxes for my professional services rendered XXXX. 
- I believe PenFed is going beyond what is needed to evaluate my income and payment capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681C - REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.
Product: Mortgage

Ocwen Purchased my mortgage in XXXX XXXX from IndyMac per notice mailed to me in XXXX XXXX upon purchase I was behind a total of {$18000.00}. If you check the attached files that I screen shot from IndyMac/Ocwen you will see that I was Ch XXXX and IndyMac rcvd regular payments on a regular schedule from XXXX XXXX XXXX ( XXXX Payments of XXXX ) of an agreed payment arrangement on a past due balance of {$18000.00} in the amount of {$590.00} in addition to the regular scheduled monthly payments and escrow. In XXXX when the agreement was made they was a SURPLUS amount of {$540.00} escrow and no late fees or interest was allowed to be charged per the agreement. In XXXX XXXX I lost my job and was dismissed from Ch XXXX and could no longer make the {$1600.00} a month payments. I begin to work on a modification with IndyMac and a few months later they sold the loan to Ocwen. IF you subtract XXXX x XXXX {$14000.00} from the total arrears, that only leaves {$3800.00}. If you add payments for XXXX XXXX XXXX ( XXXX ) {$2900.00}. Totaling {$6800.00} That is far cry from {$18000.00}. When I sent the dispute information to Ocwen it was ignored. I have spent the last 3 year fighting for my home and requesting modifications and adjustments to just be shut down and have had game after paperwork game thrown my way. Enough is enough. I just want a credit for the {$11000.00} to the account and modification the additional arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innnovis has blocked my ability to order my consumer report from my online access without any notices of why I am not able to request my consumer report.
Product: Debt collection

XXXX XXXX  started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from Patenaude & Felix, A.P.C. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.
Product: Credit reporting or other personal consumer reports

Well over the the last XXXX years i havent been monitering my personal credit i noticed accounts that i did not authourize i reached out to the companies for documentation or showing me any type of agreement signed or giving to them by me they never responded back with any correspondence.
Product: Credit reporting or other personal consumer reports

From the Desk of XXXX XXXX Consumer Financial Protection Bureau XX/XX/2024 Dear Consumer Financial Protection Bureau, Per the FCRA, As a Federal Protected consumer, I am NOW OPT- OUT of ANY AND ALL authorization ; I the consumer may have given you written or unwritten, verbal and non- verbal Per 15 USC 6802. 



Regards, XXXX XXXX XXXX XXXX : BENEFICIARY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfers

On XX/XX/2016, we submitted an online wire transfer from our company, XXXX XXXX XXXX, to The XXXX XXXX as prepayment for a truckload of methanol that was going out the next day. This payment was seized by either our bank ( Bank of America ), or by the receiving bank ( XXXX XXXX ). It is difficult to tell just who had our money, as each bank said they did not have our money, and that the other bank was responsible. We were told that it was flagged by the Office of Foreign Asset Control ( OFAC ) as somehow being a foreign transaction, or suspicious in some way. The transaction was neither foreign, nor suspicious, as we only do domestic business selling methanol ( a fuel ) to US destinations. ( This one was XXXX to XXXX. ) We ( XXXX XXXX ) have been doing online wire transfers for several years in the normal course of our business as methanol brokers, which is well known to Bank of America. The intended recipient of this payment, The XXXX XXXX, is a major supplier of methanol, and does a large volume of business with this commodity -- much larger than ours by far -- and is thus well-known in this capacity by its bank, XXXX XXXX. The day after this seizure, we provided our bank with all of the information they asked for ( invoice, purchase order, etc ), as well as talking to multiple bank representatives, multiple times. Two days later ( XX/XX/XXXX ), the funds were still being held, so we submitted a replacement wire transfer online. This payment, too, was seized. At this point, our supplier, The XXXX XXXX, believed we had failed to pay for the XXXX loads that had gone out to us during that time, and so we paid them AGAIN for the same XXXX loads of methanol. This amounted to {$8100.00} that we paid twice, so {$16000.00} total. Some companies in our same situation may very well have lost the entire account -- and we would have lost this important account as well -- had we been unable to replace the funds ourselves while we waited for our funds to be released, which took TWO WEEKS. The second payment was released only today, XX/XX/2016, which is 16 days after the first payment was seized. At this writing, we have been able to salvage this new account by sending payments overnight in the mail, bypassing the wire process altogether. This new account will generate significant revenue for us, assuming these bureaucrats do n't succeed in killing it for us. The reason I am reporting this incident is because I believe one or both banks are systematically misappropriating funds that they hold and/or use at their discretion without just cause, while causing serious harm to the business interests of their customers ( eg - our company, and other companies like us. ) These people were given all the information they needed to make a determination as to the nature of the transaction on the FIRST day they asked for it, and yet, they continued to hold our funds for 14 more days. This is outrageous! These banks should be monitored and/or investigated for abuse / misuse of their customer 's money.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

XXXX. XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( XXXX XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Product: Credit reporting or other personal consumer reports

I noticed since XX/XX/XXXX that you have charged off my loan on my XXXX XXXX XXXX, but I never received a 1099 for the balance you reported to the IRS in the amount {$6400.00}. Could you please forward a 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, XXXX and Experian to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.
Product: Credit reporting

The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX
Product: Mortgage

XX/XX/XXXX Started Forbearance due to COVID. End of XXXX started process for a loan modification. Loan mod was excepted and a 3 month Trial Plan Agreement was set up for XXXX, XXXX and XXXX of XXXX of {$2400.00}. All XXXX payments were made timely. Paper work for the new agreement was sent to me. I signed and sent pack with a notary 's signature. XX/XX/XXXX first payment on the new loan agreement was made on XX/XX/XXXX for the NEW mortgage payment of {$2300.00}. On XX/XX/XXXX I called to make my second payment of the new loan when I was told that my new loan was rejected due to the notary 's signature not being approved by the lender. I never received any correspondence from the lender of the signature rejection. I still made the second payment of {$2300.00} on that day but was out of town ( XXXX XXXX was a Friday ) due to a death in the family and was unable to receive and re-sign new loan docs with a notary. I had to wait until I returned home ( Monday, XXXX XXXX ) to contact the lender again about my options. Again, no correspondence or any time had been sent to me explaining the rejection. When I called back the lender said my first loan mod was void and I had to start all over again. So I filled out another loan modification in XX/XX/XXXX and waited to hear from the lender on their decision. XXXX went by and I heard nothing. XX/XX/XXXX came and I called, again nothing. XX/XX/XXXX I called and was told to watch for something to come in the mail and nothing did. Called beginning of XX/XX/XXXX and requested the whatever info to be emailed because I never received anything in the mail still. When I was on the phone with the lender he made the comment when looking at my file that he confirmed nothing had ever been sent still. XX/XX/XXXX the first letter came from the lender dated XX/XX/XXXX saying my loan mod was approved and my trial payments are for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$2500.00}. I made the first payment on XX/XX/XXXX but was unable to come up with the funds to cover XXXX with the timing of the notice. At that point I contacted my local Housing Authorities and Legal Aid. Legal Aid informed me that I do have a case on XXXX counts but I would have to hire a lawyer. I do not have funds to do that. My husband has struggled for the past year and a half with LONG Haulers due to contracting COVID-19 between his first and second immunizations. He has been unable to work because of his symptoms and a difficult school schedule with our children, also due to covid. I lost my second job that I made approximately {$20000.00} a year due to COVID. That loss is now permanent. I am not able to replace it with a new second job with the schedule of my primary salaried job.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a 30 day late payment posted in XX/XX/2016. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction or permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the unresolved issue of late open accounts associated with my account. Despite previous attempts to rectify this matter, I have observed a significant delay in the correction process, which is causing undue inconvenience and frustration. 

The presence of these late open accounts is not only detrimental to my financial standing but also reflects poorly on the efficiency and reliability of your organization 's account management systems. I expect prompt and effective resolution of such issues to maintain trust and confidence in your services. 

Furthermore, I have noticed negative items associated with these late open accounts, which are impacting my credit profile unfairly. It is imperative that these negative items be removed promptly upon the correction of the late open accounts, as they inaccurately represent my financial history and may have adverse consequences on my financial well-being. 

I request immediate action to correct the late open accounts and ensure the removal of any associated negative items from my account. Additionally, I expect clear communication and regular updates on the progress of this matter until it is satisfactorily resolved. 

Failure to address this issue promptly and adequately will compel me to explore alternative options and escalate this matter further as necessary. With this, I am asking for your assisstance to remove or correct these items in my credit file : 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 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 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 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 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 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