23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

National Mortgage Settlement : XX/XX/XXXX. My home loan is currently being serviced by Ocwen loan Servicing and prior to this Homeward Residential Holdings and American Home Mortgage. I was not aware of the National Mortgage Settlement and still being abused by Ocwen which they are committing FRAUD. My loan was constantly falling behind and all they did for me was approve me for an In-House modification which did nothing for me and was forced to sign forms under duress. did my home fall into foreclosure, NO. Was I offered a principal reduction, Yes but it was added to the end of the loan and my HOME from XX/XX/XXXX is still under water. Attach is the current information on the settlement that I found and want answers and WANT OCWEN citied again for illegal practices. 

I AM NOT ACCEPTING THEIR ATTACHED REVIEW THAT WAS PERFORMED IN A THIRD WORLD COUNTRY AND WILL ONLY ACCEPT THE MODIFICATION UPON ACCEPTABLE TERMS OF THE HAMP AT 31 % OF MY INCOME. OCWEN DOES NOT DESERVE ANYTHING MORE THAN 31 %
Product: Credit reporting or other personal consumer reports

XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXXXXXX has violated my rights. Or list of inquiries 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

I spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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
Product: Vehicle loan or lease

XXXX XXXX and Wells Fargo Auto are threatening me with correspondences stating that they will take my vehicle if I don't pay them, but I don't have a contract with either party.I asked for the original contract and an XXXX XXXX of all accounting including the source of origination from where the lawful money was taken and given to me, but XXXX XXXX stated that she couldn't provide either to me on XX/XX/23 when we spoke on the phone. The note that she provide on XX/XX/23 appeared to be a forgery and I attest that the signature does not belong to me. I feel there XXXX have been a mistake because they didn't give me anything of value therefore I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; if any. I was forced to make complaints to the Attorney General, the XXXX XXXX XXXX  the police department, the FDIC and the Office of the Comptroller of the Currency. I also attached a copy of the forged note that XXXX XXXX sent on behalf of Wells Fargo
Product: Vehicle loan or lease

XXXX the the first letter was send to the CFO. I am writing to file a formal complaint regarding to violation of my rights under Federal Reserve Regulations 16 and 29 by Bank of America. Upon reviewing my recent banking statements and transactions, l have identified discrepancies that I believe warrant investigation and resolution. 
Specifically, I have observed irregularities in the manner in which my account has been handled, including unauthorized charges, discrepancies in interest calculations, and unclear communication regarding fees and penalties. I have reach out to CFO XXXX XXXX mutilple times and havent received a response yet. These actions not only contravene the protections outlined in Federal Reserve Regulation 16, which governs consumer accounts, but also appear to violate Regulation 29, which mandates clear and transparent disclosure of account terms and conditions. 
As a customer of Bank of America, l expect my rights as outlined by federal regulations to be upheld and respected. 
However, the aforementioned issues indicate a failure on the part of Bank of America to adhere to these standards, resulting in financial inconvenience and undue stress on my part.
Product: Debt collection

Credit collection services called me today XX/XX/XXXX and before that they called in late XXXX. I returned their call and spoke with a rep who says they are trying to collect a debt from XXXX that I incurred from XXXX XXXX. I initially did not recall ever having an account with XXXX XXXX seeing as the debt was incorrect around 6 years ago. I do recall having a policy with them but canceling it after they raised my rates after I was a hit and run victim. I do not recall ever owing them any money, or receiving any bills from them. I have never been contacted by them to resolve debt. In fact I recently went shopping for car insurance and received a quote from them they did not say I owed a balance. 
I also filed Chapter XXXX Bankruptcy in XXXX and discharged my debts. I told the woman I spoke with that I did not owe the debt, and I did not recall ever owing XXXX  XXXX. I have read online reports that they are not safe to do business with. I think I also asked them to stop calling me. They have also sent no communication by mail regarding this debt.
Product: Debt collection

My complaint is against Credit Control LLC which has called me 4 times in the past 6 days. I am on the do-not-call list and have been for many years. 
Call # 1 from XXXX on XX/XX/XXXX at XXXX XXXX  was robocall which I did not answer, but blocked that number on my phone. 
Call # 2 was from XXXX again on XX/XX/XXXX at XXXX XXXX. I again ignored the phone call and it left no message. 
Call # 3 was from XXXX on XX/XX/XXXX at XXXX XXXX. I did not answer the robocall but called the number back and spoke with a representative. They were looking for XXXX XXXX. I informed him that no such person was connected to my phone number for at least the past 15 years. I also informed him I am on the do-not-call list and told him not to call me again and to take my phone number off their list. He said he would correct the list. 
Call # 4 came today XX/XX/XXXX from XXXX at XXXX XXXX. I did not answer the robocall but I called that number back. The representative said they were looking for XXXX XXXX, and I explained again that no such person is connected to my phone number. I told him I was on the do-not-call list and not to call me again. 
I am frustrated as XXXX with XXXX XXXX which daily interrupts my life, which defies the do-not-call list and my repeated requests to stop calling me.
Product: Debt collection

Healthcare Collections-I , LLC is currently reporting on my XXXX credit report an account that is not valid. Attempts to dispute the count with XXXX and directly with the company have resulted in negative results and the account remaining on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to XXXX, Transunion and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Product: Payday loan, title loan, or personal loan

I received a statement from TD Bank that a payment of {$190.00} would be deducted on XX/XX/XXXX and the remaining balance would be {$5100.00}. I had them take the payment, then on XX/XX/XXXX they cashed my check for the balance. 
They made a mistake and took out another payment in XXXX. After numerous phone calls, I finally got a check from them for the extra payment but they deducted {$58.00}. After more multiple phone calls I was advised that there was a {$30.00} collateral fee and {$28.00} in interest. 
My contention is that this is just a way to bilk me for additional money. I paid the amount that the statement listed the next day, There was no listing of any additional monies or references to call for a payoff. Also, there is no way that one day 's interest for {$5100.00} is {$28.00}. 
I feel that these charges are unjustified and should be refunded to me ... ... ... ... ... ... ... XXXX XXXX.
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 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: Debt collection

XXXX XXXX continues to attempt to collect on XXXX charge off accounts. These accounts are Acct # XXXX and Acct # XXXX. Per the FCRA, this debtor is required to send me a copy of the 1099-C for the charge off account so that I may report this to the IRS. Although I have disputed the validity of this account is should not be reported.

I will be filing litigation for damages and deformation if this account is not deleted from credit file and I dont receive a 1099-c
Product: Student loan

DEP OF ED/NELNET is unlawfully reporting late payments to my consumer report. Ive never made any late payments to NELNET nor has NELNET provided me with documentation validating this information. They are also in violation of my consumer rights by reporting this information even if it were factual! I as the consumer own my consumer report and The DEP OF ED/NELNET has failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report. DEP OF ED/NELNET is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). AGAIN I NEVER GAVE MY CONSENT TO REPORT MY INFORMATION!!! By reporting DEP OF ED/NELNET is in violation of the laws made by Congress. Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that DEP OF ED/NELNET is reporting clearly are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ). This is a violation of my privacy! DEP OF ED/NELNET is liable to me for all damages due to their willful noncompliance pursuant 15 USC 1681n .
Product: Student loan

2-Student loan now purchased by NavientXX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX ; two accounts same act # XXXX 1 in the amount of {$8500.00} the other {$12000.00} With Navient 1 year ago I begged for forbearance, they granted it then a few weeks ago Navient started harassing me once I asked for credit reports after my identity was stolen with credit opened in my name. They gave me the forbearance then once I pulled my credit report after being hacked they started with the 24-7 calls. The history of the loan goes back to XX/XX/XXXX ; I was coerced into buying the loan/school program did n't finish it for 2 reasons. 1. Once I realized I could not afford 2. Soon also learned it was not accredited Please assist me in having these expunged, removed, forgiven and stop the harassment. Thank you for all your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The XXXX, natural breathing person, and XXXX XXXX? That alone makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly TransUnion has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
Product: Debt collection

This complaint is regarding a XXXX XXXX XXXX bill submitted at the time we sold our residents in XX/XX/2019 where services were received and moved out of the state of XXXX XXXX   to XXXX. We did leave a forwarding address. We received a bill prior to moving which a partial payment was made. The next month, XX/XX/XXXX we received another bill by way of our forwarding address ( see attach copy ) which another partial payment was made and cleared XX/XX/XXXX. Although we did not received another bill in XX/XX/XXXX, we made another partial payment and was cleared XX/XX/XXXX. Our next notice regarding this bill was received XX/XX/XXXX via our mail forwarding address from CPA Credit Protection Association ( see attached ) stating that the balance was submitted to the credit bureaus for non collection. Upon receipt I contacted them and paid in full the balance. I also questioned why it was sent to credit bureaus when payments were being made and was informed that credit bureaus would be notified of payment. After this call I did receive a letter stating this, ( see attached ). Once I noticed my credit score was impacted due to this I contacted both XXXX and CPA to dispute it with no results. I have also attempted three times to have XXXX   correct the issue with all three results stating ( Verified ). 
My credit rating has always been in the 800 range and is now XXXX  because of this error. It also identifies that no payments were missed. 
I believe this has been wrongly reported since 1 ) I was making continued payments and they acknowledged such, 2 ) I never received prior notice ( s ) before XXXX that balance was going into collection.
Product: Debt collection

I have been a victim of identity theft and American Express is fraudulently reporting an account on my credit file that I never opened. I am not responsible to pay for any debt that is not mine. I have also reported American Express to the federal government ( FTC ) which I will attach to this complaint. American Express is holding me liable for an account that I never opened or allowed any one on my behalf to open. This is causing a lot of stress on me! Not only is the pandemic causing a lot of stress but also this fraud account is causing more stress because I never opened this account. Pursuant to the FCRA 605B this account must be removed because once again I never opened this fraud account and I have been a victim of identity theft! I need this resolved and removed from my credit file. I am not responsible to pay for any debt that is not mine and American Express is ruining my credit by fraudulently reporting this fraud account that I never opened or allowed anyone to do so on my behalf. Thank you.
Product: Mortgage

We sold our home and paid off the loan. I called the bank and learned a refund was issued to both my ex husband and myself as we were both on the loan. I requested a copy of the cancelled check be sent to me and i never received it. I asked the bank to pay me my portion of the check and the person spoke to refused. I noted I had a court order and he still refused.
Product: Debt collection

I was notified by my credit monitoring service that I was 30 days past due on my lease payment. The information stated that the month of XXXX was 30 days past due. When I called to ask for the removal of this derogatory information, I was told that US Bank does not remove reported information. 

I called to dispute the late payment and was told they couldn't find it in their system. I explained that I never received information that my payment was late. When I paid my lease in XXXX it was larger than usual, I assumed it was for the following month as well and I paid for both. After US Bank looked through my account, they determined that my payment wasn't made in XXXX, not XXXX. I was never notified that my payment was late. 

I have since disputed the late payment information on my XXXX report. Things have been difficult during this time of COVID-19. My mortgage has a COVID forbearance so that I could continue to pay my other bills. I would like to resolve this matter, enroll in auto-pay, and have this information removed form my credit report. US Bank was not interested in helping a reliable customer.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX  XXXX...
Product: Credit reporting or other personal consumer reports

I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note XXXX XXXX XXXX  stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.