23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a debt for my son in law brother no relation to me.Her name is XXXX and told me to pass the information on and have him call her she told me she was from XXXX XXXX XXXX and said she would call me again if he didn't call her. She should not call me no matter what I am no relation to the person she is trying to collect from therefore there is a privacy issue. I did not sign for his student loans or was I used as a reference. This is unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus Experian XXXX and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Product: Debt collection

PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).
Product: Credit reporting or other personal consumer reports

Credit Reporting from Experian failed to fulfill its legal obligation under the Fiat Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed the disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX * XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXXXXXX with account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collection, or hard inquiries as reported. The aforementioned accounts, collection and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I have disputed a bankruptcy with nationwide consumer reporting agencies Equifax, XXXX and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the nationwide consumer reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 the following companies made inquires into my credit without my permission. 

XXXX XXXX Capital One XXXX
Product: Credit reporting or other personal consumer reports

I am unable to get a credit report and credit score from Equifax.
Product: Mortgage

On XX/XX/ I received a letter from Western Alliance Bank that they are taking over the servicing of my loan and I must contact them by XX/XX/ to stay enrolled in the ACH monthly payment that we set at the previous mortgage servicer. I was traveling outside of the US at the time. Upon my return to the US, I had received letters that I was late on the loan payments, which I was unaware were transferred to another servicer. I immediately called Western Alliance Bank and the customer service rep assisted me in making a payment and informed me she reinstating my ACH. Two months later I received more letters that my payments are not being received and there is no ACH set up, that the previous service rep processed a one time payment the ACH could not be completed as the one time payments had not been processed and the ACH was not allowed. I now have a 30 day late payment on my credit report. I received nothing from Western that the ACH was not in place, but I was told by the service rep over the phone that it was now actively in place. Again in XXXX I set up the ACH over the phone with the servicer and was told it was set up. Shockingly this happened again a 3rd time on XXXX XXXX that they had not received the previous moth mortgage payment. I now have been charge several XXXX dollars in late fees and have derogatory posting on my credit report from Western Alliance bank. Through the past few moths, I have called several times but my calls get disconnected or stuck in their automated phone system. When I do get through, they assure me they have corrected the matter. It is not corrected to my satisfaction. Their customer experience is terrible and their website interface is not effective in managing accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX, US DEPT . OF EDUCATIONXXXX, US DEPARTMENT OF EDU XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, US DEPT . OF EDUCATIONXXXX, US DEPARTMENT OF EDU XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX US DEPT . OF EDUCATIONXXXX, US DEPARTMENT OF EDU XXXX XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account on my report that does not belong to me
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$3400.00}
Product: Debt collection

This service being Credit Collection Services contacted me back in mid XX/XX/XXXX and beginning of XXXX. With speaking to both myself and Spouse, we asked to contact through mail only. Creditor threatened to have my driving license blocked and wages possibly garnished. This creditor was advised debt was to be cleared due to inpatient stay and this expenses paid by Veterans Administration along with others, due to being a 100 % XXXX veteran and being inpatient for military injury. This debt is not owed by consumer. Payment was made to clear debt in XXXX.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Someone is calling and theatining legal action and a warrant for my arrest, and will damage my credit.
Product: Debt collection

This was paid for by XXXX. I received a phone call from the city of XXXX saying they would remove it from my credit. It is not removed.
Product: Money transfer, virtual currency, or money service

PayPal closed or limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.
Product: Mortgage

On XXXX XXXX, XXXX I was charged for a pavement assessment fee at the sale closing of XXXX XXXX XXXX XXXX XXXX FL. The fee was paid to XXXX XXXX XXXX for assessment dated back to XXXX XXXX, XXXX. When we purchased the property in XXXX XXXX, XXXX, Island Title Company gave us a clear title to the property. I put in a claim to Island Title for reimbursement of the payment we paid to XXXX XXXX of {$980.00}. After several months of emails and phone calls for status of my claim I received a response letting me know that Island Title would offer me a settlement payment for a portion of the payment I paid which I agreed to accept. I have only received partial payment of that settlement agreed payment and have left several messages and sent several emails and have not heard back from Island Title. Island Title has defaulted on the payment agreement made to me and I am now seeking to receive the full payment due me of {$650.00}.
Product: Credit reporting or other personal consumer reports

I inquired online about a consolidation loan with LendingPointXXXX on Saturday, XX/XX/24. Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from LendingPoint on XX/XX/24 stating that a Credit Decision was made based on my personal information being shared with XXXX Bank. I never authorized my information to be shared with XXXX Bank or any entity. In fact, I explicitly disallowed it. They pulled my XXXX Credit report without authorization and made a fraudulent consumer credit decision on my behalf.
Product: Credit card

U.S. Bank reports my credit card account as OPEN to credit reporting agencies, although it has been closed for the long time. I have contacted USB multiple times in the last 2 months and disputed the status XXXX. Each time USB representatives confirm that the account is in the CLOSED status. As a matter of fact, I have a letter from USB, dated XX/XX/2015, confirming that the account is CLOSED. But USB continues to be reported as OPEN.That dramatically brings down my credit score. I have disputed this account with CFPB before and USB responded by asking me for my identifying information ( which, obviously, does not address the issue whatsoever ). Because I have not received any resolution, and I have called CFPB today to see what I should do, I have been advised to refile a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX  XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting in response to your recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient effort was made to contact the creditors/agencies reporting this information on my report. Therefore, I am now requesting more information regarding the specific accounts in question : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$32000.00}. As stated previously, under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals or entities you contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from the receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated as per Section 1681i ( a ).
Product: Debt collection

XX/XX/XXXX I was contacted by Thomas George Associates LTD., in regards to a claim stemming from XXXX XXXX XXXX for {$2500.00}. for a loss claim of a accident that occurred on XX/XX/XXXX via letter dated XX/XX/XXXX. I called TGA on XX/XX/XXXX and spoke with an agent, to gather validating information for this claim. I was told that the vehicle involved was a XXXX XXXX XXXX that I was driving. I explained to the agent that I have never owned or driven said vehicle and I was not the individual they were looking for. I believe this possible case of identity theft as I have a common name and this is not a valid claim against me as I have been sheltering in place during this pandemic. I was contacted in XXXX and I did not respond as this is not a valid claim against me. I received a second communication on XX/XX/XXXX, from XXXX XXXX, Attorney, for further collection of amount due. I called directly on the date received and after being on hold for a period of time I disconnected the call and lodged this complaint regarding this collection action on non-valid debt and claim.