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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I bought an auto in XX/XX/XXXX and financed with BMO Harris. My first payment which was set up as auto pay apparently never came out of my account due to their error in XX/XX/XXXX. So for 2.5 years it has been paid at 30 days past due without my knowledge. It did not hit my credit as it never reached 31 days. I called several times in the last 2.5 years to get a payoff and various things. NO ONE ever once mentioned the loan was being paid a month behind. 
In XXXX I was granted 3 payment skips. They only skipped 2 because I was behind one but was never told even when they drew up the agreement that I would not have to make a payment for XXXX, XXXX and XX/XX/XXXX. A payment came out on XX/XX/XXXX anyway. I called several times. They were rude and horrible and treated me like a loser because " I should have know 2.5 years ago ( supposedly ) they had my check account in wrong and the very first payment was never made.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Product: Debt collection

This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? 
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
Product: Debt collection

NATIONAL CREDIT SYSTEM is reporting a collection on my consumer credit. They have not validated this debt and is committing fraud by reporting any information to my consumer report without contract or my authorization.
Product: Bank account or service

I had Macy 's account before. I always paid all the dues/charges I purchased at Macy 's but it always showed {$2.00} balance in the next month 's statement. I called and complaint this many times to them and finally I closed Macy 's account and never bought anything from Macy 's. 
But Macy 's showed these {$2.00} balance on my credit report and reverse effect my rating. It 's not right. I hope this authority can help me correct it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. All three credit bureaus are reporting different payment history, different delinquency, different balances, and this was verify how clearly it was not verified because all three credit bills are reporting something different. 
Here are the account. 
XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

The company has charged off the debt then sold to collection agency. Then it was again sold to a collections agency. 
One Main charged off the debt. Never sent the 1099c.

I want it removed from my credit report as an owed balance and I would like the 1099c so that I can report it to the IRS.
Product: Credit card or prepaid card

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

The USAA Cashback Rewards Plus American Express is a credit card issued by USAA. It says you should get 5 % back on military base purchases. For example, at the XXXX ( military grocery store ). I got this reward until mid XXXX 2019 since I opened the card in XXXX. However, suddenly I stopped getting it and then started to only get 2 %. I had not reached the {$3000.00} limit for rewards yet. 

This is false advertising. I called USAA and they said they have no control over the merchant codes. However, this is unfair. Regardless of the merchant codes of the XXXX, I should continue to get my 5 % cashback. Shopping for 5 % at the XXXX is one of the main benefits of this card ( a place that military shop very frequently ) that has suddenly been taken away. 

See attachment for evidence : XXXX XXXX stopped getting 5 % back around XXXX XXXX XXXX XXXX XXXX stopped getting 5 % back in XXXX XXXX XXXX XXXX never got 5 % back which is particularly egregious because it was a military clothing store at XXXX XXXX XXXX XXXX
Product: Credit card

Past due fees has been reduced from {$40.00} to {$25.00}, since the Credit Card Penalty Fees Final Rule effective date XXXX XXXX XXXX XXXX XXXX  past due fee of {$25.00}, XX/XX/XXXX past due fee of {$25.00}, and XX/XX/XXXX past due fee of {$25.00} has been applied. With the action that was taken by the company, they fall short of the new ruling implementations for Regulation Z amended XXXX XXXX XXXX I am requesting the company adjusts said past due fees to reflect the new ruling for Regulation Z with effective date XXXX XXXX XXXX 

Credit Card Penalty Fees Final Rule cited below from CFPB 's website. 
The Consumer Financial Protection Bureau ( CFPB or Bureau ) amends Regulation Z, which implements the Truth in Lending Act ( TILA ), to address late fees charged by card issuers that together with their affiliates have XXXX XXXX or more open credit card accounts ( referred to as Larger Card Issuers herein ). This final rule adopts a late fee safe harbor threshold of {$8.00} for those issuers and provides that the annual adjustments to reflect changes in the XXXX XXXX XXXX ( XXXX ) do not apply to this {$8.00} amount.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX, XXXX XXXXXXXX ; Inquiry : XXXX XXXX Inquiry DateXXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 American Express XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Mortgage

It is impossible to get anyone on the phone. No matter what number you press when you call you are directed to a fully automated system and there is no way to get transferred to a live human. I want to refinance my loan and had to call a completely different number to finally get a human and was of course transferred. I am currently on hold and have been on hold for 2 hours and 35 minutes and counting! There system doesn't tell you how long the wait time is or what place I am in line so I have no idea if or when I will ever speak to someone. I had to hang up as I could not wait any longer. I need to speak to a human that can help me with refinancing ASAP. 

If you have the misfortune of having your loan transferred to this company I suggest you refinance with a different company and get out as fast as you can!
Product: Credit reporting

the XXXX sold me a car later they do n't want to financial more for this reason they took a car and report y my credit report involuntary repossession but contradictory they report no missed payment in my credit report, but a few day I call this company so they talk it is not their fault.
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 violate 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 proce 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: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt collection

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

I had a payment due on my Citi card. My account is set up for auto debit. I made more than the minimum payment due of {$7100.00}. I called to make sure they would NOT also debit my checking account. Citi accepted my payment of {$10000.00}. I was told on call number one that they would NOT also debit my checking account. 

Today - they debited my checking account, causing a $ 5000+ overdraft. I can not reach anyone at Citi who is helpful. Despite the fact that they see and have seen the payment, I am told it will take 3 - 5 business days to resolve. I am told there are no supervisors above the person I spoke with for 20 minutes. 

I have other checks coming through, which will bounce, fees, service charges and on and on and on. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX  to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in it.