23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report XXXX is reporting that I made a late payment to Ocwen Loan Servicing XXXX XX/XX/XXXX XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on XX/XX/XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I reached out to Capital One Auto in regards to obtaining my title to refinance. The company stated there was no title on file. I purchased my car in XXXX of XXXX. I inquired why they would issue a loan if they did not have a physical title. No one knew the answer. I informed them I needed a copy of my title as I am entitled to it, in order to refinance my loan at a lower rate. I contacted them on XX/XX/XXXX and a rep stated they reached out to the car dealership and was looking into it. I called XX/XX/XXXX and a rep stated they have a copy of the title, but it would take some time switching the title from XXXX to XXXXXXXX XXXX. I also did not receive a copy of my loan terms in writing from the dealer of Capital One on XX/XX/XXXX when I financed the car. As of today, there has been no action taken by Capital One. However, I received an acknowledgement letter stating they are aware of my issue. They are dragging their feet with resolving my issue in a timely manner.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Debt collection

I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concernec about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that Experian has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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, I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of my report, Please investigate the following accounts as I don't believe the information to be accurate. XXXX. XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I don't believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. XXXX. XXXX XXXX XXXX # XXXX Please remove this account. Unverified inaccurate public records XXXX XXXX XXXXXXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Payday loan, title loan, or personal loan

i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this
Product: Vehicle loan or lease

I leased a XXXX XXXX in XX/XX/XXXX. At the end of the lease term, I secured an auto loan from BB & T to pay off the lease on XX/XX/XXXX and the lease was paid off ( XXXX XXXX ). However, the title from XXXX was sent to BB & T and was lost. 

I paid off the BB & T auto loan in XX/XX/XXXX. The BB & T lien was never recorded nor was the XXXX XXXX XXXX located. 

Over the past 27 months, I have struggled to get clear title and it finally was received last week. It cost me {$560.00} ( Ex A & B ). 

Thank you for sending me a refund of the out-of-pocket cost in your check for {$560.00} promptly.
Product: Debt collection

On XXXX19 phoned RMP LLC to pay off my medical debt upon talking with representative I was offered a 20 % discount because they were medical debt which I agreed & paid XXXX was given confirmation number XXXX all of the debt was removed dropping my score by 50 points at which time the 20 % of three of  them was put back on my report phoned RMP llc on XXXX19 was told needed to forward to her manager phoned for update on XXXX19 was told account is at XXXX when new update came through they were still on my credit report phoned RMP llc spoke to manger XXXX XXXX at which time I was told we only report once a month on 20 so its now XXXX19 & those 3 still remain on XX/XX/XXXX report they are off the other 2 agencys report also spoke to XX/XX/XXXX & was told had to deal with RMP llc for removal I feel as though Im getting the run around between RMP llc & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three XXXX XXXX XXXX XXXX Experian and Transunion because they agreed to remove these transactions they are now along with Transunion XXXX and XXXX in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a Dispute with Equifax to which they conducted " an investigation '' which did not consist of anything other than them contacting the creditor and getting information written on a screen whether that information was false or not Equifax did not care. Additional Equifax refused to accept any of the documents that I sent in as proof to include the letter from the creditor ( with the header and contact info ) that stated the information on my account was inaccurate as reported. On XX/XX/2019 I filed an additional dispute containing the same information as the original information to which was found in my favor to what Equifax has informed me of. This information was sent by Equifax to someone else 's email address other than mine. I called Equifax to get them to send the information to the correct email address. On XX/XX/2019 another dispute ( XXXX ) was created to send the information to my email address. This information was sent once again to the wrong email address. On XX/XX/2019 I called Equifax once again and the rep agreed to send a copy of the dispute to the correct email address, however, hung up on me. I have called back to ensure this was taken care of multiple times on XX/XX/2019 and spent over 3 hours on the phone without prevailing and was transferred over 10 times
Product: Credit reporting or other personal consumer reports

XXXX is continuing to be willfully They non compliance to the cfpb act. N Horrific XXXX  is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with XXXX  on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. XXXX not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time XXXX  has not processed my claim or request ending in a violation of my right.
Product: Debt collection

On XX/XX/XXXX I received a letter from Scheer, Green and Burke, Co. L.P.A. stating that I owe XXXX with an account number of XXXX to XXXX XXXX XXXX. 
I tried to call and make contact to verify the debt on XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. No calls were answered when my call was said to be 1st in line and I was eventually sent to voice mail. I left my name number and account number and there has been no attempt to call back from them. 

I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and discovered that my bill was paid in full when my check was cashed on XX/XX/2019. They told me I had to dispute the collection with the agency but, the agency doesn't seemed staffed to deal with people just a website designed to take payments. This is an aggressive design with no option other than forcing people to pay to salvage a mark against their credit.
Product: Debt collection

A debt verification letter was mailed to Amerifinacial solutions. In turn they mailed a bill which contained a diagnosis code of my visit. I did not authorize amerisolutions to obtain my health information and thus is said to be a HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.
Product: Credit card or prepaid card

I purchased the ticket on XXXX, itinerary XXXX, case # XXXX # XXXX. XXXX eventually told me they cant help and merchant has to be dealt with directly. 

I then contacted the merchant XXXX on XX/XX/21 ( Feedback ID XXXX ), I have not heard from them yet. 
Flight was with XXXX XXXX but I was told XXXX is the company that owns them. 

Confirmation number was XXXX Passenger was XXXX XXXX Ticket was purchased online on XXXX and was paid for with my Chase freedom Scheduled dates of travel were XX/XX/21 from XXXX to XXXX Return trip was XX/XX/21 from XXXX to XXXX We did not cancel the ticket. 
Other tickets were also purchased but had different dates to fly. 
We did not change or want to change the ticket for the passenger above. 

We were interrupted in XXXX and were told that XXXX XXXX cant continue with us. She had a valid US visa, Covid vaccine paperwork and a negative covid test. We were told it was due to new covid regulations she cant continue to us with us. We even emailed the embassy in XXXX to make sure she can travel and we were informed that XXXX  citizens can travel to US with a valid US visa. XXXX XXXX staff was shown ALL of these documents at the gate and they photographed and sent them to their superiors. Decision was still made to INVOLUNTARILY remove her from the flight and not allow her to board. As a result, my wife and daughter had to stay with her and find her a flight home that day. This caused them to miss their flight to US and spend that night sleeping at the airport terminal. Nobody told us at any point that additional authorization would be needed on top of a valid visa and all the required covid conditions which were a vaccine and a negative covid test. 

Absolutely terrible treatment by all around. XXXX  for doing this and XXXX for avoiding to help even though ticket was bought through them. I will attach email response we had from the embassy in XXXX several days before the trip. 

Nothing was disclosed to me about the travel. When the ticket was bought for this passenger, he citizenship and passport number were input and where from and where to she is traveling, yet nobody told us anything. They checked us in XXXX and then halfway around the world decided she must come back. This passenger is XXXX XXXX and has XXXX XXXX as well so leaving her to fend for herself to find a way back home was not an option. 

Two separate disputes filed with chase were both resolved in the favor of the airline. The airline rebuttal was that the visa was not valid due to covid regulations and based on that they ruled against us. Visa was valid and was issued prior to covid pandemic. Pictures were provided to the Chase credit dispute team. This traveler also had a covid vaccine and negative covid test. 

CLAIM ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a FULL transaction history of the account reporting on my credit report ( XXXX ). First the account is reporting a date opened on my credit report of XX/XX/2018 which I do not believe is correct. Additionally, this is showing as a business credit card which the documents attached shows that I am not an officer or owner of this business. Additionally, I was XXXX when this account was opened and used so again, this is a fraudulent account. You will find attached my identity theft report and a copy of the secretary of state report showing that I am not a listed officer or owner of that particular business. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am AGAIN requesting a FULL TRANSACTION history of this account including the date that it opened and the last charge/transaction made on this account. That includes contracts or service agreements with my wet signature.
Product: Debt collection

XX/XX/2020 received voicemail from XXXX XXXX stating that proceedings in XXXX County court are being processed and they would contact my employer. left number XXXX. 

They also contacted my brother who lives out of state and said there were legal proceedings in XXXX county and wanted info.

When I contacted the phone number I asked who I was speaking with and was told Assurance and they represent a network of attorneys. when I asked for the other party in alleged matter, I was placed on hold and then a representative named XXXX XXXX told me that they're just a middle man and that 3 charges are pending processing regarding a financial transaction with EMoneyUsa ( whom I've never entered into business with ) when I asked that a validation of debt be sent, I was told to contact the EMoneyUsa directly and that she would inform counsel that I had no knowledge and assured me there was evidence in the legal file and I would need to inform the judge if I hadn't received any information about this debt. 

She also denied that they contact my brother, something about they would just leave their number, and it was more than likely a person who was hired by XXXX county to locate me. 

All kinds of weirdness, not to mention violation of fCRa.
Product: Debt collection

An account that is not my personal account was placed on my credit report in XX/XX/23. I disputed said account with XXXX and was notified a week later stating that the account was verified. The FCRA states that they have to provide a signed original consumer contract t show proof of this account being personally mine. That was never provided to me. This is a 3rd party collection agency that claims to have both this account from another 3rd party collection agency.
Product: Checking or savings account

Suntrust processed an ACH debit on our acct in error. The Suntrust representative confirmed our account name was not on the ACH transaction and connected me to account security to file a claim. Fast forward one day, Suntrust ( Truist ) has now closed two of our personal accounts and a business account. They gave no reason and said we don't have access to our funds for 15 days while the acct is under review. We have near perfect credit, never bounced a check and run a standard bank account. There should be no reason to close our accounts and hold our money. We have bills that are due and can't pay them now because we have no money. They also will not allow any debits or pending checks to be processed which means these pending payments will be returned. We are very concerned the returned checks will affect our credit as we have always paid on time. We are shocked at the way this is being handled especially during these difficult times. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO 7 YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY! 

2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiry on my credit reports on XX/XX/22. I did not give them permission to run my credit, and my credit score has gone down. I want this removed and for the company to provide me with how they obtained my personal information.
Product: Credit reporting or other personal consumer reports

15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT COMENITY CAPITAL BANK/XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.