23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with Experian and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to XXXX, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from XXXX, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXXHello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXXI am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXXwhat is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXXThank you, I will need to ask you to help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXXI need a good email address and good physical address XXXX XXXX XXXX XXXXI apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXXsure yes XXXX XXXX XXXX XXXXTo help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXXnow what is a good email address and a good physical address XXXX XXXXthats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXXThank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und
er the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an application I was thinking about submitting with PNC bank. The submit button was not hit by me as with further research, I found that PNC has poor products and rates. Some how the application went through. I called PNC and they would not start a dispute of credit inquiry, also would not tell me which credit bureau they used when accidentally application went through. I want this inquiry stricken off my credit report as it was not my intention to apply. The bank is confused and answers no questions, transfers to other departments without resolution. This again was not my intent to apply with them, I want the inquiry taken off my report. It happened on XX/XX/2021.
Product: Debt collection

I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. 

On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. 

This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. 

Thank you for reviewing this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only XXXX inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.
Product: Debt collection

I open a new phone with XXXX  in XXXX I had health issues and I actually attempted to make payments this collection agency is not the original collection this has been already on my credit report for years like seven years now they are attempting to collect from me again not going to happen. They dont have a right to place it on my credit report twice it was originally on my credit report in XXXX  by a different company for seven years just because this third rate collection agency bought the debt doesnt make it possible for them to place it again on my account this is unfair debt practices furthermore they will never get a cent from me
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, that was originally leased through XXXX XXXX leasing, later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. I have been registered at my address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX I have never been contacted in any way by XXXX XXXX  since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing. I mailed a demand letter which was received on XX/XX/XXXX an Im aware the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Product: Credit card

In XXXX, I booked a reservation at an XXXX beginning on XX/XX/year>. On reviewing my credit card activity, I saw that the XXXX was miscategorized in a real estate category instead of home share. Furthermore, I was only given XXXX points instead of the XXXX travel points I had gotten from numerous other airbnbs with the same card. It's also well advertised and within the card member agreement that the Chase Sapphire preferred card receives XXXX for XXXX stays.
Product: Debt collection

I entered a consumer credit transaction with FED LOAN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. FED LOAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting or other personal consumer reports

Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : Equifax, XXXX, XXXX, XXXX Furnisher of Information ] Account Type : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to report inaccurate information on my credit report. Equifax, XXXX, and XXXX are reporting a XXXX XXXX account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : Equifax, XXXX, XXXX, XXXX Furnisher of Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. Equifax, XXXX, and XXXX are reporting a XXXX XXXX account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Desired Resolution I request : Immediate removal of the disputed account from my credit report.

Damages for harm caused by inaccurate reporting, totaling {$1000.00}.

Attachments Copy of credit report Account statements Identification documents Supporting correspondence Certification I certify that the information provided is accurate and true to the best of my knowledge.
Product: Vehicle loan or lease

I leased an XXXX XXXX XXXX Tech package from XXXX XXXX dealership XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. The Car buying experience was exceptional. XXXX was my sales guy and he did a good job. When I got the survey, I gave it the best review. 

The deal was 36 months XXXX miles {$680.00} per month tax included DMV fees Tags  and title included, XXXX down and only XXXX payment on signing. I sent an email to XXXX ( email attached ) dated XX/XX/XXXX, XXXX XXXX asking him exactly this and he responded ( email attached ) dated XX/XX/XXXX, XXXX XXXX  stating Hello XXXX, You've got your deal! {$680.00} total due at signing. Transfer NJ tags. {$680.00} per month When would you like to pick it up? this email from XXXX clearly confirms that I am not responsible for any other payment. 

This is` my 3rd XXXX and my 4th XXXX in a row. All were leases. On the last XXXX I was over on Mileage and XXXX gave me this deal. I have gone to 3 other dealers and all gave similar deals, except XXXX XXXX had a better monthly payment by {$12.00}, but, what made me decide to go with XXXX XXXX was the clarity and excellent customer sales interaction. 
Recently Acura financial called me and said there is an outstanding amount due of about {$6500.00} on the old XXXX XXXX XXXX which I had turned into XXXX XXXX when I got my new XXXX XXXX. I was shocked. My family is devastated and disturbed. This is my XXXX lease and never had anything to pay for the old car even when I was over miles, because we made a deal, and agreed upon it as it was all take care of with the new car payment and that is what exactly what XXXX told me, If I had the slightest of the inclination, there was something hidden, I would have gone with other dealers. 

Issue : I was not told that there is a payment that I had to do on the old XXXX at any time during the sales process and even asked XXXX several times if there is any other hidden amount. Please see attached 2 email there is no mention on the any payment beside what I have mentioned above Request : May I request the dealership to resolve the issue with Acura Financial and please pay the balance owe At the time of closing the documentations, the finance Manager charged me {$210.00} additional for Luxury tax, XXXX made it a point to return the amount by check because it was not told to me beforehand and I did not have any prior communication on it. At that time, I thought to myself, I have found my dealership for all my future cars and friends, it only going to be XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax misused my personal information by conducting a data breach
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

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

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Please remove it from my credit report. 



15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX Please remove it from my credit report. 


15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX ( XXXX XXXX ) XXXX Please remove it from my credit report.

I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided.

Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX