23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am beyond frustrated with the complete lack of accountability and communication on the part of XXXX in the handling of my escrow account/property tax bills. I have been given no reason to believe that they are capable of appropriately managing my account and have no faith that they will follow through with their commitments in a timely and/or accurate manner due to my experience in attempting to work with them. Details below : XX/XX/2022 - XXXX received notice from the township that the winter property tax bill had not been payed on our property. 


XX/XX/XXXX- I reached out to our mortgage servicer, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, via phone to enquire further. The representative requested that I send a copy of the notice/tax bill to their customer service email address and that it would take two days for them to receive the message ( for an email? ) after which a representative would be reaching out to me with an update. 


XX/XX/XXXX- I sent a Notice of Error via email to their customer service email address ( XXXX ) including a copy of the notice of delinquency and the updated property tax bill with late fees. I specifically requested that they contact me with any questions and notify me immediately of any updates. 

WEEK OF XX/XX/XXXX- I called customer service again to follow-up on the issue as I had not received any communication and did not see any indication of a payment being issued in the online account information. I was told that they had received the documentation and were working on a resolution and the payment would be issued to the township shortly. 

XX/XX/XXXX- I received notice that the township had passed the tax bill over to the county for collection and additional fees had been assessed. 

XX/XX/XXXX- I again called customer service and was assured that they were working on the issue and they asked that I submit a copy of the new notice/bill from the county. I immediately sent these documents via email to the specified customer service address and again requested that they keep me apprised of any updates. 

XX/XX/XXXX - In absence of any communication I once again reached out to customer service via phone on XX/XX/XXXX and was told that a work order was pending and that the bill should be paid on XX/XX/XXXX. 

XX/XX/XXXX - I finally received communication initiated by XXXX in the form of a letter that simply stating their appreciation for bringing a non-descript issue to their attention and their assurances that they were working on a resolution. 

XX/XX/XXXX - I again called the customer service line to confirm that the payment had been issued and was told that there was now another work order for payment with a scheduled completion date of XX/XX/XXXX that did not include any specifics concerning the amount to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file.
Product: Mortgage

I have a mortgage loan with Ocwen Loan Servicing LLC, bearing loan # XXXX, I applied for a loan modification recently and instead of reducing my payments, they increased my payments, I wanted to dispute the increase in payments, they said that because my property is not under water, hence they ca n't give me a principal reduction and also ca n't reduce my monthly payments. 

Ocwen has my property value as {$460000.00} ( Property Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX ), and my loan balance with them is close to {$420000.00}, I got a certified appraisal done the value of my property mentioned in the appraisal report was {$380000.00}, I sent the copy of the appraisal to Ocwen about a month back and to date they have not done anything on this issue. 

I request CFPB to intervene and do the needful to help me save my home.
Product: Debt collection

I sent the company a certified letter and they did not respond with any information that I requested
Product: Credit card or prepaid card

I recently submitted 56 ( 2 ) for Bank of America/ XXXX XXXX dba Secretary of Treasury ... 2848 ... 1099A ... ... Escrow Release ... 1040/1041V ... ..POA ... remit coupon for balance on account ... .also sent copy to IRS. The company responded with this letter and closed the account. Why would they make up some bs to close the account after I had taken control as the Lender/Creditor.FRAUD!!!! They are t

he Borrower. I filed this paperwork so they would STOP double dipping into my trust account to prevent the FRAUD that is currently happening. Seems they were caugh
t and tried to close the account so they can collect on the 1099A instead.
Product: Vehicle loan or lease

I contacted Acima In regards to my lease, After filing my bankruptcy Acima Abruptly close my account and Im unable to see what I owe on the lease in fool Because I have been quoted different amounts in the beginning of my lease. Now they are saying that I owe a different amount for the item which is over {$5000.00} that was not quoted to me in the beginning of me signing the lease. I felt like it was very deceptive very misleading to the agreement I had originally signed. they also ended the lease agreement early and are still trying to charge me over {$5000.00} for this item which is completely unfair and illegal also they changed the amount of so whatever you signed for the amount is very misleading Using predatory business practices to lower customers into leasing items because if I know I would have been paying that amount I would have never least the item. they also terminated my lease agreement before it was due and theyre saying I still owe {$5000.00} which is incorrect if you terminated it, you broke the contract therefore I dont owe over {$5000.00} for this item
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXXXXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to XXXX and Equifax with inaccurate and obsolete information thats shows on all XXXX credit bureaus and they will not remove it.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit agency has been flagging my purchases and credit applications with FALSE fraud alerts since 2022. I have repeatedly been embarrassed by declined transactions while making purchases with my own credit card, in my own zip code, in stores I visit regularly, for as little as {$99.00}. This, despite having a FICO score of XXXX and a number of open accounts, a mortgage, paid-off vehicles and no late or derogatory payment data. 
I have asked Trans Union to REMOVE the fraud alert from my credit file. They have NOT successfully identified an actual fraudulent transaction or credit application. They have interfered in my shopping, purchasing, travel and gift-giving with false positive flags. 
My rights as a consumer and credit customer include the right to transact business without interference or undue embarrassment. XXXX, a digital fraud prevention company, reported a cost of {$2.00} XXXX for e-commerce merchants in the USA alone due to false positives. False positives erode customer trust and adversely impact reputational image when a legitimate sale is lost. 
Allowing consumers to initiate a fraud alert should not prevent that legitimate purchaser from doing business as usual. Unless and until Trans Union adopts a more accurate and complete verification protocol, I will be adding statements like these to my credit file and posting online in financial, news and security forums about the unreasonable inconvenience and interference this agency is forcing on legitimate consumers.
Product: Checking or savings account

On XX/XX/year>, I was charged by XXXX for transactions on my Truist account that I did not authorize, one for {$160.00} and the other for {$580.00}. There was also a singular transaction before the XXXX transactions for around {$12.00} that was for another state, for some reason it was not picked up by their fraud system. I tried to lock the card that was used, but their unreliable service was down for maintenance. Went to sleep so that I could dispute the transaction when I woke up. Disputed it, only later to find out that the XXXX XXXX transaction disputes were denied because " I previously have done business with them ''. They put the entire claim under the first transaction and called it a day, more than likely not even seen by a human. So around XX/XX/XXXX, I called and went down to the nearest branch to dispute the denial, only to be told entirely separate things between on the phone and at the branch. Both told me either side could fix my problem and to talk to them. Despite this, I was told to also email evidence that this was not a transaction made by me via my XXXX order history to their claims department. So I did that and was first informed that I would receive response before XXXX was over. That did not happen, so I called in XXXX to ask what is going on, and so far I keep getting the same response that someone will look into within the next XXXX business days and I'll get a response. So far, I have not received e-mail, mail, call, or text about anything happening with my case. Honestly, so far I think they denied it first time around so they did not have to give me credit while they investigated, and are dragging their heels when it comes to my claim, if there has been any investigation going on at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 any purpose.
Product: Debt collection

I have disputed this unauthorized inquiry on multiple occasions, yet it remains on my credit report. As per FCRA laws, hard inquiries require my written consent, which I never provided tXXXX XXXX Because this inquiry was not authorized by me, it constitutes a violation of federal law and must be removed immediately.
Product: Credit card

Customer service interactions are pushed too long with unrelated or unrequested scripts full of information that is not relevant to the prompts or related speech and can not be cut off with relevant commands. Persons continue such programmed harassment, if such is the case, with continuing to attempt to make comedic the bad experience witnessed, e.g. XX/XX/year> mocking the actual speech emitted along with silence from the person but not all other background noises to resemble the unresponsiveness of the prompts despite stating the relevant information needed to move on. Problem exists for over ten years, with customer service calls lasting usually up to one hour when such calls can be completed in less than five minutes and are with other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have paid two credit repair companies to fix my credit. My credit is at XXXX as of today. I am trying to purchase a home, I was in injured on the job in 2015 and am unable to work, the thousands of dollars these companies took could've helped my housing situation. Most of the items on my credit are closed and some aren't even mine and that is all they were supposed to do is get them removed.
Product: Checking or savings account

On Wednesday XX/XX/2018 at approximately XXXX XXXX  CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.
Product: Credit card or prepaid card

About two years ago i discovered that i have been a victim of identity theft, I discovered that someone unknown to me had used my personal information to get few credit cards under my name and one of these accounts happened to be with BANK OF AMERICA. at that time i had field a police report and had sent the dispute to the bureaus and bank of america and the other credit card company. Both items were deleted from my credit report immediately and i never heard from either companies till a year later when i tried to purchase a vehicle i noticed the same account from bank of america has appeared on my credit report. I immediately disputed the accounts with the bureau and bank of america and the account was removed and put back on my report again. Finally i came to this site to get help to resolve this matter once for all.
Product: Vehicle loan or lease

I was overcharged interest rates being that I was military personnel. I sent in copies of my XXXX and no action was taken, resulting in garnishments and negative impact to my credit.
Product: Bank account or service

My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.
Product: Debt collection

I sent a letter verifying my debt on XX/XX/XXXX. Haven't received anything.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX  XXXX XXXX Date Filed : XXXX XXXX, XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : Capital XXXX Auto finance Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX Filed : XXXX : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Date Filed : XXXX : XXXX. XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Reason : unverified account
Product: Credit reporting or other personal consumer reports

Sent this debt collector a validation request and they failed to provide it as required under the FDCPA. Because of this failure to properly validate this debt, they need to immediately either provide all requested documentation or delete this collection account from my credit report.