23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. 

FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.
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 protect 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 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 conviction 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

Paramount Recovery and XXXX XXXX are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. XXXX NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe Paramount nor do I owe XXXX. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

I had to put a stop payment on american Express because they were putting in their payments automatically when there was no money in the bank. Then when I made a deposit to cover the bills they still were doing it and XXXX was charging me every time they did it so I put a stopped payment on the account and now I lifted it on the phone with the three way with the supervisor, and now American Express is still charging me the stop payment fees when they agreed to pay the bills. 

Could you please have American Express list the stop payment fees as there was money in the bank but they refused to pay it when I called it in to XXXX Bank. I am waiting for XXXX on the neck and can not run to XXXX Bank to lift the stop payment in person so since XXXX   promised to lift the stop payments American Express is still charging me for it.
Product: Checking or savings account

First off, to preface this issue, I would like to explain that I have tried to resolve this issue with BBVA, in fact they admitted over the phone that the bank was indeed wrong in charging me the NSF fee, but they weren't able to do anything about it due to the same error being made the month before, in very similar circumstances. So, their system won't " allow '' them to refund the fee, even though it was charged by mistake! This was verbally admitted to me on two occasion. Anyways, moving on : On XX/XX/21 I was charged an NSF fee of {$32.00} for an attempted {$32.00} debit from my account. This makes zero sense, as my account balance the day before, on XX/XX/21, was {$100.00}, and on XX/XX/21, my account balance was {$350.00}. This is all shown on my statement. The bank employees confirmed this as well, and weren't able to give me a single reason as to why I was charged the fee, and like I stated above, it appeared to be a mistake. 

That being said, no one was able to help me. They said it was impossible to refund me the fee since a similar incident happened the month before in XXXX, when I ALSO had funds available for the debit but was charged an NSF fee regardless. 

I find this to be absolutely bonkers, immoral, and wrong on so many levels. I am requesting assistance in getting this fee refunded to me, and compensated for my time in resolving this issue.
Product: Debt collection

GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear MISSION FUNL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ), and the Texas XXXX XXXX under Sections XXXX and XXXX, as well as Texas XXXX XXXX Section XXXX XXXX which pertains to identity fraud. 

It has come to my attention that XXXX XXXX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section XXXX ( a ) ( XXXX ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section XXXX of the Texas XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. Texas XXXX XXXX Section XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that XXXX XXXX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section XXXX ( a ) ( XXXX ) and the relevant provisions of the Texas XXXX XXXX ( Sections XXXX and XXXX ). If this issue is not resolved within XXXX days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas XXXX XXXX Section XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring XXXX XXXX into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that XXXX XXXX will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated 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 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation
Product: Debt collection

I was making regular monthly payments to XXXX XXXX XXXX for medical bills not covered by my insurance. I believe it was in XXXX that I received a call from them stating that they could not accept the payments that I had been making and wanted more money monthly. I agreed to pay them a maximum of {$25.00} dollars monthly until the bill was paid. The following month I did not receive a statement and shortly thereafter I received a letter informing me that I had been turned over to REV 1 a collection agency.
I immediately called REV 1 and attempted to resolve it. On the first call I was led to believe that as long as I paid {$53.00} a month it would not show on my credit report. After speaking with my wife we thought it best to go ahead and do this even though it would put us in a bind with the other medical bills we are paying. I called REV 1 back and very straight forwardly asked that if I make these payments that this will not show on my credit report. At this time the representative told me that she could not guarantee that it would not. She attempted to lead me to believe at this point that if I could pay the amount off in 4 months it would not show on my credit report. Again I straight forwardly asked if it would and she could not guarantee it. So I told her that I could not make an increase in the payments without a guarantee. There is only one month that I did not make a payment to XXXX XXXX XXXX ( and then sent no statement ) and entered into an agreement with them to pay {$25.00} dollars a month and then they turned me over to a collection agency. I do not feel this is legal nor good business practice. I do not dispute owing them money but I do dispute them not honoring their agreement and turn me over to a collection agency without warning.
Product: Debt collection

National Credit Adjusters calls me at least 2-4 times per week from several different numbers. I have request the original documents by mail for the debt reported on my credit for Cash Net ; the company has sent me information for a totally different company and amount ( XXXX XXXX ) {$730.00}. National Credit Adjusters are reporting this as a new debt. This debt is over 5 years old.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( See attached ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, il [ XXXX ] XXXX last 4 of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with XXXX XXXX  XXXX it is a well known documented and discussed fact that XXXX XXXX does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein 1 of 4 of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX trademarks used herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. I am doing a formal complaint for U.S bank, regarding a credit card application XXXX that Ive submitted since couple months ago. I have to mention that I have a checking and savings account with the financial institution since XX/XX/2022. I am a person whos always on the top of my credit score, managing my credit bureau at XXXX, XXXX and XXXX. 
U.S bank is declining my credit card application because due to too many trade lines opened in the last XXXX  months. 

Fist of all I demand to U.S Bank to provide me an exactly number of how many is too many tradelines for the bank. Because too many is not a concise, clear and understandable answer for any customer. 

I met all requirements : *I have account history with the bank *My credit score is XXXX *I am a full time employee with an anual income of {$56000.00} *all payments due to date *no collections I called U.S Bank after get the letter with the explanation, the corresponding department never provide answers for my questions, and the documentation is not clear, please do a research to verify information by the recorded calls. 

Is not acceptable for me, to be part of a bank that provide features and benefits to just SOME of the customers. 
On my criteria, I understand that credit lines represent requirements in order to be approved, also I know that banks must provide to their customers with an explanation of denied applications, but TOO MANY TRADELINES, IS NOT an answer. I have some credit cards and a car loan, with no pending balances, credit usage of the 6 %, Exceptional payment history, Simply, U.S Bank is being discriminatory, with no concise reasons to denied my application. I demand to be approved for the credit card application, and have the right to enjoy the bank benefits like any other costumers that meet requirements established for the bank and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX ( XXXX  ) is not in compliance with Metro2 Reporting. XXXX is reporting 30-60 day late payments for XXXX, XXXX, XXXX and XX/XX/XXXX which is not correct information. XXXX is also not reporting the correct address. The address ID associated with this account is not mine. I was never notified by mail by XXXX that they will be reporting negative payments on my payment history perusant to FCRA section 623. Experian is also not reporting a coplete account hisroty for this account. A lot of data is missing and/or incomplete in the Account History section. Persuant to FCRA 611 and 623 a consumer report must be complete and accurate. 

Experian is also not reporting correct payment history for my XXXX XXXX account. This account was opened XX/XX/XXXX and my payment history does not begin until XX/XX/XXXX. I am missing a entire year of on time payment history which is not fair, accurate and a violation of my consumer rights. Experian is also reporting an inaccurate XX/XX/XXXX late payment with this account. I take pride in paying my bills on time and these inaccuracies is embarrassing and a defamation of my character.
Product: Credit card or prepaid card

On XX/XX/XXXX & XXXX, XXXX I had XXXX  tests conducted at a hospital which I charged to my VISA credit card. The cost was {$340.00}. 
I was told I would be contacted in a few days about the results. 
I was never contacted and since then I have made 7 failed attempts to get the results of the tests from the hospital. 
On XX/XX/XXXX I began the dispute process with the credit card company. 
On XXXX XXXX I mailed back a questionnaire with details to the credit card company. 
On XXXX XXXX, having received a response from the credit card company that the merchant certified that the services had been rendered, I mailed a rebuttal letter to the credit card company saying that although the tests were conducted, there is no sense in having tests done without getting the results, and requesting that the dispute be upheld. 
On XX/XX/XXXX I received notice from the credit card company that they were rejecting my dispute.
Product: Credit reporting or other personal consumer reports

I have several inaccurate and inconsistencies on my credit report. XXXX, Experian, and XXXX have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

Experian Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXXXXXX ... and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

XXXX Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # XXXX