23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have lived in our home for 15 years and have never missed a payment on our mortgage to Ocwen Loan Servicing, LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
However, interestingly enough, we have been sending our payments to an address in XXXX XXXX, IL. 
This month 's invoice dated XX/XX/XXXX, includes a charge for {$240.00} for " Past Due Fees/Other Charges. '' Since we have never missed a payment or been  delinquent in any manner, we were puzzled. We called Ocwen ( not certain of the date ) and asked about this charge. They told us it was some kind of processing charge from 2013. Still puzzled, we called them to ask for some authentication of this fee. 
They sent what they called a Payment History. It is essentially a spreadsheet with 52 items on it, none of which we can understand. However, it does end with a - {$240.00}. It is of no help in understanding their claim. 
So now our questions are : 1. Is this a legal charge? 
2. Is it legal to go back 5 years and tell a client she has a charge she has no way of understanding? 
3. What are our rights in this situation. 
I have decided to do this : I am sending this months payment with a check, not electronically as I usually do. I will send a letter with it explaining I have filed a complaint with the Consumer Financial Protection Bureau and I will not pay this extra amount until the cast is resolved.
Product: Credit card or prepaid card

My credit limit was for XXXX $ so I pay them on time every month. Last month in XXXX I noticed that they took 3 payments from me. On the XXXX XXXX and the XXXX. I never authorized the ones on the XXXX and XXXX. So when I called them they sent me a revered payment back for the XXXX of XXXX $ but then they also charged me XXXX $ for a check not clearing i don't right checks. And if I did they already had the 3 payments. I what its can down too is because they had too send my my XXXX $ back that I did not authorize them too so then they charged me XXXX $ for sending me the XXXX back. Then even tho they still had the payment from the XXXX and XXXX they turned me into the credit bureau when I made my payment on time. They have me down for reseving 5 reversal payments but the only one I ever received was the XXXX $ they took. I have paid them XXXX $ so far. In XXXX it show that i owed still XXXX $ and in XXXX my new balance is XXXX XXXX I tore this card up 8 months ago so I ask them how is it I've made all my payment of XXXX $ I haven't used my card in month but my balance now is only XXXX she had a million excuses for everything. Last month wasn't the first time they took more then one payment they hit me a few more times. As u can see in XXXX they got there payment on time but tried 2 more times and still turned me into the credit bureau. Now they show me as in minus XXXX something dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to get an update on my credit report from XXXX, XXXX and Equifax and have yet received a response.
Product: Credit reporting or other personal consumer reports

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. 3. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.
Product: Checking or savings account

I opened a new account with Sun Trust bank on XX/XX/19. I deposited {$1000.00} in cash and a check from XXXX XXXX for {$3500.00} for a total deposit of {$4500.00}. I asked if the check would be " held '' since it was a new account and was told there was no way to know but to check my online account on XX/XX/19.  When I attempted to open my online account, I got a message that said the system was " temporarily not available and try again later ''. After attempting that for several hours, I called Sun Trust and was informed that the account was under review to be closed and they had the right to close the account for any reason or no reason and that was part of a disclosure I would have signed to open the account. I was also informed that it would be 7 to 10 business days before I could get this resolved. I went to the local branch that same morning and spoke to the customer service associate who had assisted me on XX/XX/19. He informed me that the check had been flagged as possibly fraudulent by some entity that all banks belong to. He said the account had been placed in a " no deposit/no withdrawal '' status and there was nothing he could do. OnXX/XX/19, I called the customer assistance line and spoke to a supervisor who essentially said there was nothing she could do but she would refer it to the appropriate department. I called XXXX XXXX on XX/XX/19 and  asked them if they know of any reason there would be a problem with the check. They said no but they would get back to me. On XX/XX/19, I got a voice mail message from Sun Trust  providing me with the name of an individual who was going to work on my case and gave me the phone number to call to speak with her. I called daily and left messages but no response. Also, on XX/XX/19, XXXX  XXXX  called and informed me the check had cleared their bank and been paid. So at this point, Sun Trust has {$4500.00} of my money but refuses to even discuss the situation with me other than to say they are following their rules and procedures. On XX/XX/19, I received a letter via US mail that stated the check was being held because the bank had " confidential information '' that the check may or may not  be paid. On XX/XX/19, I had another conversation with a Sun Trust supervisor who told me the check had not cleared, that the account was under review to be closed and it could be 25 days before it is resolved. On XX/XX/19, I went back to the local branch and spoke to the branch manager. I  provided him with a copy of the check showing that it had cleared and other documentation. He stated he would attempt to get this resolved but couldn't guarantee it. 

Bottom line, I deposit {$4500.00} in good faith and Sun Trust is holding the funds even though {$1000.00} was deposited in cash and the check cleared on XX/XX/19.  They are currently stating the account is " under review '' to be closed and once that is decided they will start the process to potential return my funds but it could take 25 days.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ACCOUNTS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that XXXX, XXXX cease reporting the account referenced above to the credit reporting agencies due to the inaccuracies and inconsistencies in the reported payment dates. It has come to my attention that the payment dates for this account differ significantly across the XXXX major credit reporting agencies ( XXXX, Equifax, and XXXX ). These discrepancies are misleading, and as such, the information being reported is false and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that any information you report to credit bureaus is accurate and complete. Since the reported information is neither, I am exercising my right to dispute this inaccurate reporting and request that you immediately cease reporting this account until the discrepancies are resolved. 

To support my dispute, I have included copies of my credit reports from the XXXX major credit reporting agencies that highlight the inconsistencies. 

If XXXX XXXX XXXX is unable to verify the accuracy of the information you are reporting, I request that you delete this account from all reporting to credit bureaus, as required under the FCRA. 

Please confirm in writing that the requested actions have been taken or provide verification of the accuracy of the reported information. I expect a response to this matter within 30 days of your receipt of this letter, as outlined by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXUS sold my credit information on or around XX/XX/2014 to the three major credit Bureaus and other companies, and this is hurting my credit score, and I'm not receiving a fair chance at credit worthiness. The original company does not report bankruptcies to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/2022 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

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.
Product: Credit reporting or other personal consumer reports

I have spoken with the student loan companies to inquire about the situation. They requested that I provide my ID, which I have done, yet nothing has been resolved. Instead, they have merely added a note indicating " aka, '' which is incorrect. I am a woman and have never identified as a man. I am extremely upset about this matter, as I believe I have rights that should be respected. I demand that this situation be addressed in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX  Keeps stating in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My government student loans ( through Nelnet ) have been transferred to a new servicer XXXX XXXX XXXX  where I have been paying them monthly regardless of the Covid rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of Ed/Nelnet , they show as in default. I also was told, they would never go to default on my credit report due to the Covid issues, but they did anyway. 

They refuse to remove the Nelnet lines on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

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

On XX/XX/XXXX, Equifax received my Method of Verification letter. Today, on XX/XX/XXXX, I received a canned response on how they go about verifying accounts that they list. I did not ask for a canned response, I asked for detailed information that they received during their dispute process. I asked for hard copies of all the communication that took place for the two items that were disputed under Dispute Confirmation # XXXX. Those accounts are as follows : 1. XXXX XXXX 2. XXXX XXXX XXXX They failed to provide me with the communications and evidence that they used to verify these accounts as I requested per my rights under the under FCRA 611. 

Today ( XX/XX/XXXX ) I called Equifax to see about getting them to send the information I requested that they did not send, and they refused. I called at XXXX XXXX  and I was on the phone for 47 minutes and 15 seconds. I spoke with one lady, and then asked to be transferred to her supervisor. The woman supervisor I was transferred to said all they could do was send me the results of the investigation, but refused to send me the method of verification/ detailed copies of the communications used to get the result they got for the dispute. She said she was unable to send me that information nor could she delete it. Under my rights, if they can not furnish that information, they MUST delete those items. Not doing so is a violation of my rights under FCRA. 

According to the law, it is my right to receive proof of the verification, and if that proof is missing, to have the inaccurate entry deleted. If the debt validation is absent or unsatisfactory, I can dispute it again or file suit in court. 

The letter they sent me did not tell me any information about my personal dispute. It did not tell me who they contacted, nor did they send me the proof or copies of the people they contacted during the investigation. 

When I call, they refuse to send me any information they received during the dispute investigations, and they refuse to delete. My rights say they can't refuse both. They either have to furnish me with that information or they have to delete it. 

This has been a headache for almost 2 months. Sending letters, and making call after call after call, and now, multiple disputes. Now I am incurring fees to mail my letters by certified return receipt mail so that I have my proof documented. I have wasted countless hours of my time and energy and a lot of headaches trying to deal with this. If they can not show hard documented proof that they contacted a human during the investigation of my dispute, they need to delete both of the mentioned tradelines.

If they still refuse to offer proof of the method of verification, or details about it, I will be forced to sue them for non-compliance under section 616 of the FCRA.

I do not want to have to waste more time going this route, but I will gladly resort to that if all else fails. I refuse to give up and continue to allow them to disregard my rights and the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened an account with XXXX. 
On XX/XX/XXXX I made an order for {$500.00} to buy stock XXXX On XX/XX/XXXX, I bought {$500.00} more of XXXX On XX/XX/XXXX I transferred {$500.00}. A portion was used to cover a deficit? 
On XX/XX/XXXX I bought {$500.00} of XXXX On XX/XX/XXXX I ordered to buy {$490.00} XXXX On XX/XX/XXXX Account Temporary hold. I verified my identity. 
I continued checking my investment until XXXX of XXXX when I was not allowed to have access to my account anymore. I tried to contact the company by email, phone but nobody responded. The only way to communicate with them is login into your account. I presented a complaint to BBB and they told me Robinhood never answers the complaints. Around XXXX, I was able to login but my account was in ceros. If I want to contact them I have to invest more money. In addition, I had authorized Robinhood to withdraw money from my bank accounts. During this time I have to report fraudulent transactions to my XXXX XXXX and XXXX XXXX XXXXXXXX accounts. I also mailed a letter to the office address I found on the internet. No answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my friend XXXX XXXX filed a complaint about a joint account that i have with him about that will be referenced in this complaint witch you guys concluded that you will remove a 30 day late from the account and some how on my credit report it still appears if you can please update the reporting it will really help my as you have done to XXXX
Product: Debt collection

My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Wells Fargo Dealer Services NOTICE OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my XXXX and XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Wells Fargo Dealer Services. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Wells Fargo Dealer Services for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.