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

SEND A DISPUTE LETTER CAME BACK VERIFIED WHAT METHOD WAS USEDIN THIS AGREEMENT DATE OPENED XX/XX/year> HIGH CREDIT {$1.00} DATE OF LAST REPORTED UPDATE XX/XX/year> BALANCE XXXX AMMOUNT PAST DUE XX/XX/year> PLACED FOR COLLECTION {$1.00} PAST DUE XXXX XX/XX/year> PLACED FOR COLLECTION {$670.00} PAST DUE {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I demand according to the FCRA these unverified accounts be deleted from my credit report.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury.
1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests!
2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future!
3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No!
4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No!
5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No!
6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No!
7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No!
8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No!
9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No!
10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!
Product: Mortgage

Closing appointment XX/XX/22 for Heloc at PNC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Came in at XXXX the time of our appointment. 
The person we had the appointment with decided to assist a different client. Which made me feel discriminated against. Then we were passed off to a different person, who was not trained to do heloc closings. They were not able to describe the paperwork to us and did not know where or how we needed to sign. They found out that they were missing some of our information because their teller misplaced our checking account information. They made us feel like we were an inconvenience and they were visibly frustrated. Making us feel like it was all our fault. They wanted to reschedule me but that was not acceptable to me. A manager who was not present instructed the individual how to proceed over the phone and we finished the process, or so we thought. 

They made mistakes on how were were supposed to sign and we have had to come back to resign several times. I have made complaints with their company but still I dont have a resolution. My loan closing is not completed.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report?

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Debt collection

On XXXX at XXXX McCarthy , Burgess and Wolfe representative XXXX XXXX emailed me demanding I remedy a past due balance to XXXX XXXX XXXX XXXX I responded 13 minutes later with " I didnt refuse anything, I requested the final bill. No one ever sent me it. I made a final payment, and turned in equipment. 

Then I get a call saying I owe more. You're the second " collections '' company to contact me about it. 

So do you have the final bill? '' They did not reply so on XX/XX/XXXX I forwarded them the same email and said " I sent this on XX/XX/XXXX. Have yet to hear from you. '' On XXXX they replied stating " We received your email regarding the XXXX XXXX We have requested the invoices. They will be emailed once they are received. '' I did not hear from them again until XXXX at XXXX where they sent me another demand and acted as if we had never spoken " Dear XXXX XXXX XXXX On XXXX, XXXX  formely known as XXXX XXXX XXXX requested we handle the above-captioned account. They specifically asked that we attempt to resolve this at a voluntary level rather than pursuing alternative remedies. I sent a letter to you making you aware of our clients claim. You failed to respond. 
Our client intends to receive the full amount of their claim. A brief review shows no reason why they should not be entitled to full recovery. I am desirous of resolving this in the easiest, non-confrontational manner possible however, I need your cooperation. 
Your failure to remit the full balance at this time will force me to assume you are unwilling to pay the balance. Should you choose to stop further action by this office, mail a check to The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX in the amount of {$140.00}. Make check payable to XXXX formely known as XXXX XXXX XXXX or pay online at XXXX. 
For your convenience, an automated attendant is available to process ACH/Check payments over the phone by dialing XXXX. Fees may apply. Action will be held until XX/XX/XXXX, pending receipt of your check. 
Thank you in advance for your anticipated cooperation. '' I showed them all this previous correspondence in reply.
Product: Debt collection

Convergent Outsourcing IncXXXX has been attempting to collect a debt for XXXX that my son incurred several years ago. They have filed nonpayment reports with the credit agencies in the past which affected my credit score ( see CFPB XXXX number : XXXX and CFPB XXXX number : XXXX ). Both cases were resolved in my favor when it became evident they had the wrong person. They are trying to collect this debt again under the Convergent Account # XXXX and I am concerned they will use the same tactic with the credit reporting agencies. Please put a stop to these insidious tactics once and for all. My wife and I are elderly and in poor health, we do n't need to deal with an issue like this when our credit score is stellar and this company is purposely trying to get the money from us instead of our deadbeat son.
Product: Debt collection

I am writing to dispute 2 collections account reported by Portfolio Recovery on my XXXX credit report. These accounts have been reviewed and deleted by XXXX due to inaccurate reporting and lack of validation. Despite the deletion by XXXX, XXXX continues to report these accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the information appears to be inaccurate or unverifiable. The continued reporting of these accounts creates inconsistencies between the credit bureaus, unfairly affecting my credit profile. I have attached documentation supporting my claim, including Proof from my XXXX credit report showing the account 's deletions confirming the accounts were removed. I request that the CFPB investigate this matter promptly and ensure that XXXX removes these accounts from my credit report, reflecting accurate and consistent information.
Product: Credit reporting or other personal consumer reports

I've made several attempts to communicate that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are associated with transactions that I neither initiated nor authorized, involving no goods, services, or money transactions on my part. If disregarded, I request the removal of any pertinent information from my credit record resulting from the alleged fraudulent activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers are required to provide complete and accurate information to credit reporting agencies. Reporting an incorrect or inflated amount, particularly after a charge-off, constitutes a violation of this statute. If the balance includes fees, interest, or charges that are unlawful or inaccurately represented, it must be corrected or removed from my credit report. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ), debt collectors are prohibited from making false or misleading representations about the amount, character, or legal status of a debt. If the reported amount includes unlawful fees, interest, or other charges, it is a violation of this federal law. My rights have been violated under the Fair Debt Collection Practice Act and Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 XXXX  accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted Zwicker & Associates whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, XXXX, and Zwicker & Associates yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and Zwicker & Associates directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
Product: Student loan

On XX/XX/XXXX I applied for debt consolidation and for the SAVE repayment plan. My debt was consolidated, but they never placed me on the SAVE plan. I reapplied for the same IDR plan, but I have still not been placed on it. On XX/XX/XXXX, I was placed on a one month forbearance. By the end of that month, my plan had still not been processed. I called Mohela around XX/XX/XXXX, to discuss the matter. They claimed to be expediting my application, and placed me on another forbearance. This one expired XX/XX/XXXX, and I was charged at the normal rate, rather than an iDR. I was unable to contact Mohela at that time due to the holidays. To avoid failing to pay my loans, I paid that {$990.00}, {$600.00} more than I ought to owe. I called Mohela again on XX/XX/XXXX. They offered again a forbearance, to expedite my SAVE Application, and to refund my payment. None of that has happened this week. I can not afford to make these payments at this rate, I have submitted my application months ago, and every month I am not paying on the SAVE plan, I am also not making qualifying PSLF payments, massively increasing the money I will eventually pay on my loans. I feel I have done everything right, but Mohela has no interest in supporting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX. Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

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

While reviewing my credit report I stumbled upon hard inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

The following information on my credit report are in correct and I want them deleted immediately. The following addresses on my credit report are incorrect and should be deleted immediately : These addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have phone call or lathers to ask me to for pay back money I didnt used it. All ready I reported to XXXX  about fraud ( someone its been use my informations ), and my credit its worst.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paramount Financial files on my XXXX Credit report on XX/XX/2019in the amount of {$5900.00}. They do not have the original contract. This causes my credit scores to lose 60 points in one day. My signature was collected on XX/XX/2019 and applied XX/XX/2019.
Product: Credit card or prepaid card

I am a customer of BlockFi and have a bitcoin rewards credit card and a yield interest account ( which is frozen ). BlockFi filed for XXXX XXXX XXXX  in XXXX XXXX  and has frozen all their customer assets ; I have a balance owed which I can not withdraw of {$1800.00}. I also have a credit card which i continue to pay each month with a current balance of {$1000.00}. BlockFi continue to charge monthly interest on the credit card but have failed to pay the XXXX rewards for the recent purchases. I believe they are violating their side of the credit card agreement and are still punishing their customers, even though I am owed funds and they haven't paid out their assets. This seems unethical that they can still charge interest, but not pay owed rewards or release funds from the interest account, to customers who are already suffering from their bankruptcy. On XX/XX/XXXX I called BlockFi customer service to request they pause interest charge and they stated they would escalate my concern and follow up ; to date I still have not received a response. My ticket numbers were XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX  * Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX XXXX Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX