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

Privacy and Confidentiality under 15 USC 1681 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 an 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 or other personal consumer reports

Experain continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect Experian has date as 1 ) first inaccuracy : wrong date ( XX/XX/2017 ) ( correct date : XX/XX/2017 ) and the spelling of the name is different spelled ( wrong 2 ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from my legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove Experian wrong I have disputed the public records with the US Bankruptcy Courts who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I will upload copies of the letter from the public records Court officer stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and 3rd inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong :XXXX  ) ( correct reference # is XXXX XXXX and Experian sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the times Experian verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Credit reporting, credit repair services, or other personal consumer reports

About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragry ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely
Product: Mortgage

I received notification that my mortgage was sold by XXXX to Carrington mortgage back in XX/XX/XXXX. During this sell of my mortgage, Carrington Mortgage cancelled my automatic monthly payments without my knowledge or authority. During the duration of my mortgage with XXXX, I had zero late payments and all monthly payments were automatically drafted from my checking account. I was shocked when I received a document showing I was behind on my XXXX payment. At this time, I called Carrington Mortgage and asked why they cancelled my automatic payments and they could not give me a valid answer. At that point I asked how to set this back up on monthly automatic payments for mortgage payment. I filled out the bank form provided and mailed in the check for XXXX and XXXX mortgage payments. By completing and submitting this form, I was advised that the mortgage payments would be drafted automatically from the checking associated on the form. As of today, XX/XX/XXXX, I  received a letter from Carrington mortgage stating my account has been sold again. At this time, I called Carrington Mortgage to find out what has happened they explained that I am behind on payments from XX/XX/XXXX to current date of which I had not received no notification of any kind. The lack on notification and communication on the part of Carrington Mortgage has caused the disruption to my mortgage account. No verbal communication has occurred between myself and the mortgage company, beside the phone call made in XX/XX/XXXX to discuss the re-enrolling of the automatic payment and the phone call today XX/XX/XXXX.I attempted to pay the monthly payments for XX/XX/XXXX - XX/XX/XXXX, but they told me that I could not pay anything until I was charged attorney fee 's. In attempt to remedy this and bring my account up to date, I was denied the ability to pay. I also tried to go online and login to Carrington Mortgagee to view past payments and the ability to see what is due, the account has been denied user access.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXXS DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.
Product: Checking or savings account

The bank extended a $ XXXX line of credit to help me grow my business. When the loan came to maturity they debited the amount due to my checking account even though I mailed them a check in the like amount drawn on the same account. 
When this error was brought to the banks attention they remedied their error by issuing a bank official check for {$77000.00} However that check was never encashed and the business was closed by my family when I was hospitalized due to a near death trauma. 
Some years ago the check was presented to the successor bank but they refused to replace or honor it. 
I sought advice from XXXX XXXX XXXX who had taken this same bank to task for malpractice. 
I approached XXXX XXXX, the CEO of the bank as he instituted vast beneficial changes in the banks operations to amend their practices. However his office directed me to the Florida State department that handles uncashed cashier checks. This mechanism allows banks to take client unclaimed funds off their balance sheet and handover same to the state due to death or not knowing the whereabouts of the beneficiary. 
The State explained to me that mechanism was not applicable to my funds as the bank at all times to date had my address and continue to hold my same account with the same number today. 
I come to CFPB on recommendation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had a regional director, XXXX XXXX of the bank from their Florida regional office in XXXX contact me. She confirmed the funds were with the bank and that the check was issued through a vendor that issues their official chcheck. That the official check was stopped for lack of encashment and the funds making up the check weare with the bank. They now use a different vendor. 
XXXX XXXX requested further information, statements etc which I may have in boxes and furniture packed by my family.XXXX XXXX XXXX recommended that I request CFPB to investigate the matter so the bank will replace their uncashed/stopped Official Check. 
Thank you
Product: Vehicle loan or lease

My lease with Toyota Financial Services was up so my husband and I decided to lease another vehicle with Toyota. My husband ONLY had filed for bankruptcy chapter XXXX but the lease was Not included in it. At the end we received a bill for over {$800.00} for excessive damage I knew theses charges could not be legitimate as this vehicle was barley used and we were way under the allowed amount of miles. I called them on XX/XX/19 to dispute the charges. The first person was telling me that she didnt see any bill and I didnt owe anything. I kept pushing and telling her to check with someone else because I had the bill in my hand. Then she hung up on me. I called again and spoke to someone else and he found the information and had the so called evidence reviewed. They dropped the charges down to {$150.00} and advised I would receive an updated bill in the mail within 5-7 business days. I waited and had not received the bill so again I called on XX/XX/19 and this time was told that they could not send me a bill because my husband had a bankruptcy on his account. I questioned them stating if that was he case why did they send me a $ 800+ bill in the 1st place. The agent tried to tell me they never sent me a bill. At that point I asked for a manager and I was placed on hold for over 30 minutes only for the agent to come back on the line to tell me there was no manager available. He insisted a manger would call me back. It is now XX/XX/XXXX and yet NO one has called me back. I just want to pay my final amount due but want the document showing the amount so that I can have a record of it. I have wasted over 3 hours on the phone for absolutely no resolution. I called again today XX/XX/XXXX and just keep getting transferred around and no resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a prepaid XXXX card from XXXX  that I did not apply for or request. The card is attached to a XXXX checking account ( the account number and routing number are on the letter that came with the card ). I have tried contacting XXXX, the only phone number available ( XXXX ) requires you to enter either your social security number or the card number before talking to a person. As I do not want to activate this card, I did neither. I was eventually able to bypass this step by entering multiple zeroes followed by #. The first person I talked to on XX/XX/XXXX gave me the number XXXX, which is unallocated. The second person I talked to ( on XX/XX/XXXX ) said they were transferring me to another department, but after 15 minutes on hold I was disconnected. I tried contacting XXXX, but they told me to contact XXXX. 

I just want these accounts closed and a fraud report created with both institutions. I had a similar situation happen in XX/XX/2022 with XXXX XXXX ( an online checking account was created using my identity ) and XXXX was much more helpful and easy to contact. I could find their Fraud number by XXXX.
Product: Credit reporting or other personal consumer reports

Request for Verification and Removal of Incorrect Personal Information I am writing to dispute the accuracy of personal information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

Specifically, I am requesting verification and removal of the following incorrect items : Misspelled or Incorrect Names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( Reflecting twice on my report ) Why? 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX. XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX These details are either inaccurate or outdated and are not tied to any open accounts currently on file. As required under FCRA 1681i, I request that you A. ) Verify the Accuracy of the information in question. If the information can not be verified as accurate, it must be deleted from my credit report immediately. B. ) Provide Me with the Name and Contact Information of the furnisher of the disputed information, as stipulated under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and refrain from parroting information. 

Please complete this investigation within the required 30-day timeframe. If you determine that the information is inaccurate or unverifiable, I request that you promptly delete it from my file and provide me with an updated copy of my credit report reflecting these changes.

I have attached a copy of my drivers license and a utility bill for identification purposes.

Thank you for your prompt attention to this matter. I look forward to your response confirming the deletion or verification of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I have a Capital One Credit Card, a Personal and a Business Card ( which is now XXXX13 month since I got them ). 
For this complaint I would like to explain the aggravations and how Capital One Defrauded me and the huge damages that I 'm suffering about. Let me start with the Business Card. 
To better understand Capital One has a feature which they mail out a check to your address and it 's payable to your name, and then you can deposit it to your account and then do with it whatever you want. 

Here is the Story, I requested XXXX checks to be mailed out to me on XXXX/XXXX/16 and XXXX/XXXX/16, the total of al XXXX checks is {$15000.00}, long story short, I NEVER RECEIVED THE CHECKS!! I called Capital One and was transferred to the Fraud Department, and they told me they will close my account due to fraud and mail me out a new card, and they assured me that I will not be Liable to the Fraudulent Transactions. 
So that 's what they did, and I received a new card, but Capital One did not keep there promise of not holding me liable to checks which I DID NOT RECEIVE. 
I called again the Fraud Department, and they were giving me such aggravations that I had no doubt I will end up in the hospital. 
And this is what they told me after being on the phone for 3 hours for ten days. 
" WE INVESTIGATED THE XXXX CHECKS AND WE REALIZED THAT THESE CHECKS WERE DEPOSITED AND THEREFORE THERE 'S ABSOLUTELY NOTHING IN THE WORLD WE CAN DO TO HELP YOU '' after many hours of crying on the HUGE loss I had, I called capital one and told them to please prove to me that I received the checks and that I cashed them. Because I know 100 % I DID NOT RECEIVE IT AND DID NOT CASH IT, AND I OFFERED THEM ANYTHING THEY WANT TO PROVE IT. 
So I was told by a representative that they are not able to mail me out the checks. 
So I called again, and was transferred to XXXX departments until I was finally told that they will mail me the checks and I will have it in 7 days. 
after 14 days I did not receive it, I called again and they told me " SORRY WE CAN NOT HELP YOU ''. 

I 'm here begging the Consumer Financial Protection Bureau to please help me not to be a victim of the FRAUD and UNETHICAL behavior Capital One did to me, and help me I should not loose my money, and help me with money so I can go to a therapist so I can get my mind together. 

PLEASE AGAIN I AM BEGGING FOR HELP!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian regarding accounts that i did not authorize or have any knowledge of. i requested that they validate all of the debts they claim i owe them. i mailed the letter out on XXXX and 30 days later received a general response stating that they verified the debts with no contracts or no proof of how i am legally obligated to these debts.