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

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX XXXX Summary of Issue : On XXXX XXXX, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the XXXX  system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Mortgage

XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Hi, I decided to change my address on upgrade on XX/XX/XXXX, I was told my new debit card would be sent there and had photos that were approve for verification. I ask if I needed any proof of verification for my address and they said no. I later receive a email of my debit card canceled and I call to ask whats wrong but said to ignore the email and that my card is coming. Since XX/XX/XXXX I have received emails stating my card is coming in the email and no card so I called on XXXX XXXX and I got answers that I needed more verification and I am like no one has called me or emailed me anything and how am I suppose to know. Nobody reach out and I got mad at them cause they werent helping so I talk to the head person of the whole dept and told him he needs to gets his dept in line and not lie and this is false advertising of my debit card coming and I have a pay coming in and I cant use it and I have bills due on wed and they dont care. I am really upset and refuse to send it faster for their fault. So I be contacting XXXX XXXX  XXXX  to tell them what upgrade has done and never reach out and lied about the debit card and never sent no email about them asking anything and they all can say is sorry and refuse to send it to corporate. Now, I have more emotional stress than before and I get sorry. They have no care for our situations. I love corporate to reach out cause this isnt right. Banks should be reaching out to tell you about more info to get the debit card send but rather you wait and send emails lying that your card is coming into the email. They rather me send a letter to their legal team than fix it.
Product: Debt collection

The entire amount was immediately paid in full upon recognizing debt was owed ( XX/XX/year> for about XXXX dollars. ) When I asked beforehand if the account would be removed from my account if I paid, they refused to give me a direct answer.
Product: Credit card or prepaid card

I noticed on my account webpage 3 charges that I did not make. As soon as I noticed these charges, I alerted Bank of America. The charges were made XX/XX/22 and XX/XX/22. I explained that my credit card number was stolen, stated that I did not make the charges, and asked for a new account number and credit card to be mailed to me. The representative issued me a new account number and told me that a new credit card would be mailed to me. A temporary refund was made for the disputed charges. 

Today, I received a letter stating that my charge dispute was denied and that I would have to pay the {$710.00} and that it would appear on my next statement. The reason issued was that the goods were delivered and, therefore, I had to pay for them. 

These goods might have been delivered but they were not delivered to my address. Every online purchase that I make is always delivered to my home address and these items were not delivered to my home address. 

I am extremely upset that my charge dispute was denied. I have not made prior purchases at these retailers at which my card was fraudulently used : XXXX XXXX, XXXX XXXX and XXXX. 

All of these transactions were identified as online transactions and, therefore, no signature was captured for any of them. 

Bank of America is holding firm that I made these charges and I absolutely did NOT make these charges. I use the credit card frequently and have placed many, many charges on it. I did not, however, make these charges. 

I hope this issue can be resolved and that Bank of America will acknowledge that I did NOT make these charges and that these items were never delivered to my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX 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, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. JPMCB Auto Finance XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I have contacted the following companies and they referred me to the credit bureau for this issue. They would not remove the hard inquires. I have stated that I did not apply or give them authorization to pull my credit. 

Please validate this information with these companies and provide me with copies of documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 b 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. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights.

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
Product: Debt collection

This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

I did not open an account i might have been hacked and i now have {$530.00} balance and now have 2 late payments on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from Amex. I believe that one of them is a duplicate inquiry. Please help me remove them from XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Mortgage

I impound my property taxes in my escrow account with my mortgage at 5/3 Bank. I noticed my second installment of my property taxes had not been paid in XXXX and contacted 5/3 Bank several times. Each time a representative said the property taxes would be paid on time. However, 5/3 Bank failed to pay my property taxes on time and I was charged an interest fee of {$100.00} by XXXX XXXX County, MD. I had to pay more money in taxes as a result of their negligence. After I paid my second installment of my property taxes out of pocket, 5/3 bank emailed me saying their research showed they had made an error and they would be correcting it for next year ( this is irrelevant since I am refinancing to another lender anyway ). However, 5/3 Bank knew the full amount due of my property taxes due because they had to adjust my escrow fees and withholding for calendar year XXXX. The full amount of my property taxes was known and documented in my Annual Mortgage Escrow Statement ( page 3 ) dated XX/XX/XXXX, so there was no reason my property taxes should not have been paid on time. I was charged interest fees on my taxes as a result of their mistake.
Product: Debt collection

A tradeline was placed on my credit reports on XX/XX/XXXX by Wakefield & Associates for an alleged debt originally owed to XXXX XXXX XXXX  XXXX XXXX for an amount of {$930.00}. A duplicate tradeline for this same alleged debt was placed on my credit reports by XXXX XXXX XXXX XXXX in XXXX of XXXX. I requested debt validation from both companies in XXXX XXXX XXXX XXXX XXXX XXXX with the attached letters stating that XXXX XXXX XXXX XXXX is the creditor and owner of this debt and removed their tradeline. Wakefield & Associates has maintained their tradeline and has increased the balance in small increments of $ XXXX {$5.00} frequently. 

I have attempted to receive validation from Wakefield & Associates to no avail, and I have attempted to dispute this. I am requesting that Wakefield & Associates delete this tradeline from my credit reports as they have failed to provide proof that they own this debt, and I have proof that a different creditor currently owns it.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened an account with Capital One. The account was last updated on XX/XX/XXXX. I got a derogatory remark on my XXXX  Credit Report, XXXX, and XXXX. I filed a dispute for both XXXX and XXXX a year ago and had this account successfully resolved for both credit bureaus. This account still shows a derogatory remark on my XXXX Credit Report. I would like to address this immediately, either pay off this debt or get this negative remark removed.
Product: Credit reporting or other personal consumer reports

Sharecropping- I'm tired of being racially discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6900.00}, {$5400.00}, {$11000.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.
Product: Vehicle loan or lease

I went in to trade in my vehicle. They tricked me as if I was trading it, until it was time for me to leave and then said they couldnt trade it. Thats after they ran my credit report and took my down payment. When I told them off their wing doing the lady told me to let my other car get repossessed, she guess. I started a new XXXX XXXX XXXX XXXX  and made them aware of it. Ive been paying the last 3 maybe 4 payments the week after they was due. Every other payment since I had the car that they completely violated my consumer rights to get me in, had been on time. My payment was due this past Friday and they just cut the car off when I stopped to pick up some signs for work. I called to make sure they was the reason for the humiliation and they said yes and I told them they can come get it due to the fact I recently got out the hospital in XXXX and Im not able to take the stress. Since they put me in this financial bind by violating my consumer rights, Im requesting that all of my payments, including the down payment be returned to me and any damage that has been or will be done they take full responsibility. I spoke with XXXX after speaking with 2 others and she said Id have to send an request via email to the payment center to get the account number and the payment history. Then sent an email to get an extension.
Product: Checking or savings account

Some time in XXXX of XXXX I received mail at an old address ( my parent 's address ) with a debit card from USAA. The card has my old name ( last name changed after getting married ). My name is very unusual and it is extremely unlikely that someone would accidentally open an account in my name, especially since it went to my parent 's address where I used to live. Early in XXXX of XXXX my parents received another letter from USAA saying the account address was being changed. We tried twice to contact USAA but end up being disconnected after waiting on hold for long periods of time bouncing between people who didn't know what to do. I am not eligible for any form of USAA account at all so it is even stranger to see one opened fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.
Product: Debt collection

I am receiving a bill for a loan that I never authorized or received against my house. I have no knowledge of this debt. My original loan servicer still holds the mortgage on my house