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

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting the bureaus to look into this matter as required to do so under the FCRA but my request seems to be ignored. The following accounts that continue to cause damage to my personal file are : XXXXXXXX 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
Product: Mortgage

Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX 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: Money transfer, virtual currency, or money service

An international wire transfer was posted on my account, having an exchange rate of XXXX as opposed to exchange rate of XXXX. I was incurred of the wire fee of {$25.00} but with the exchange rate I was over charged 10 %.
Product: Credit card or prepaid card

I have checked apple credit card application, but it was written that it will not impact my credit score. Then, I was surprised that it was reported as hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA.
Product: Credit reporting or other personal consumer reports

There is a XXXX account reporting on my credit file fraudulently I want this account removed and suppressed immediately I have provided experian with a copy of the identify theft affidavit by uploading and mailing it in. Experian refuses to remove the account and denied that I have sent them anything. Experian has also blocked me and placed me on written correspondancd only. I have honored their requests multiple times and have sent information via mail and upload and experian doesnt process these requests and lie and say they never got it. 

The XXXXXXXX XXXX Date opened XX/XX/scrub>XXXX  Credit limit {$23000.00} is a fraudulent account! Remove it off my credit file immediately!!! DO NOT place a fraud alert. I want this account suppressed. I have attached a fraud affidavit as well
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report, and the representatives from each that I spoke with did not seem to have any interest in assisting me with removing the information. I have sent multiple dispute letters to try and to show them how severe this is to my report but still no help. So I have listed all of the inquires next to the specific bureau below in hope that filing this complaint : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same.

According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information. 
If after any reinvestigation under paragraph XXXX of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. Experian XXXX XXXX XXXX really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.
Product: Bank account or service

On XXXX XXXX, 2016 I used my mobile app to log into my account with US Bank. I received a notice that the site could not be accessed at this time. I tried again at a later time and got a message to call a XXXX number. I called the number and the person told me that they have no information except that the accounts I have are being closed due to fraud and that I have to talk to a branch manager. On XXXX XXXX, 2016 at XXXX am I talked with XXXX XXXX Branch Assistant Manager and he " unfroze '' my personal account but told me that my joint account with my son is being closed do to fraud. XXXX XXXX would not tell me who, what, where, how and why I am responsible to an incident relating to my son 's personal account. He did give me a REF # XXXX and a XXXX number to call to find out details about my account. I called the number and made contact with " XXXX '' in the Deposit Risk Prevention Department XXXX. XXXX told me that my joint account with my son is being closed and that any funds will be used to offset any loss in regards to my son 's personal account. I asked her what is going on? Why am I responsible? and to who can I contact to get the information in regards to my account. She told me that she had already explained to me that the account is being closed do to fraud on my son 's personal account and that she could not divulge any other information.
Product: Student loan

Current email has the amount due up to {$350.00} due date XX/XX/24 We believe the account has been paid in full for years They won't talk to me or my daughter over the phone
Product: Debt collection

Sunrise Collection Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, XXXX XXXX XXXX was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for FTA in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, XXXX XXXX XXXX never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told XXXX  and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > XXXX XXXX finance regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Mortgage

I've been in communication with my Mortgage provider every other week for a few months now - I accidentally paid my property tax directly to my city in XXXX for year XXXX, even though I was including tax payments in my escrow payment to RoundPoint Mortgage. I called them on XX/XX/XXXX to notify them that the taxes had already been paid. It took several transfers before they asserted there was nothing they could do until an escrow analysis was performed. They indicated they would perform this analysis before sending the tax payment to my city ( XXXX ) in XXXX, and that I wouldn't need to contact them again as they'd distribute the excess escrow at that time. Instead, they sent the payment to my city ( XXXX ) without any analysis in XXXX. I notified them via email and call on XX/XX/XXXX that they'd previously indicated this wouldn't happen, and asked what my next steps were. They notified me prior to the end of XXXX I would need the city to return the payment and provide documentation the taxes had been paid. I got in touch with the city promptly, who not only confirmed they would send the money back to Roundpoint, but also provided me a printout of the only tax payments that had been applied in the past year, which included the payment I made in XX/XX/XXXX and no additional payments in XXXX ( i.e., they did not incorrectly apply Roundpoint 's duplicate payment ). I sent the documentation onward to Roundpoint and they indicated they would disburse the excess escrow back to me. I did not receive any payment. I've sent additional emails, and spoken with them on the phone about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time, someone promises me they are going to do the escrow analysis and send back the excess funds, and every single time the next time I talk to them zero progress has been made and they say they need to send my request for escrow analysis before they can send me the funds. I've pleaded with them to resolve this any number of ways, or to take any accountability for the fact that the only solution they've offerred has been unsuccessful 7 times already, but they refuse to take any other course of action.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. These accounts contain reporting errors. I should be compensated {$1000.00} for every inaccurate report on my credit file.
Product: Credit reporting or other personal consumer reports

Transunion improperly using or reporting my information. 

Unidentified hard Inquiries on my consumer report
Product: Bank account or service

An attorney for a creditor placed a restraint on my bank account. The Bank of America sent me an exemption form to fill out which is required under NY State law. The only money in the account was direct deposited Social Security benefits. I filled out the form to say the only income in the account was exempt. The Bank continued to restrain the account. I contacted an attorney. She contacted the creditor 's attorney to inform him the income was exempt and he sent a notice to the Bank to release the account. The bank released the account, but retained a {$120.00} processing fee. Under New York State law, the Bank is not entitled to the processing fee if the account should not have been restrained. Because the bank knew the only money in the account was direct deposited social security benefits, the account should not have been restrained. The bank has no responded to my attorney 's requests to refund me the {$120.00} processing fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made final payment to XXXX XXXX XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.
Product: Debt collection

I recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : Online Information Services Amount Reported : XX/XX/year> Reporting as Collection Please investigate these accounts immediately and remove any information related to them from my credit report. Additionally, please consider this letter as a formal dispute of these accounts and potential fraud. I appreciate your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX-XXXX  stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Product: Mortgage

Select Portfolio Servicing is charging consumers up to {$15.00} processing fee for utilizing their online payment functionality. 
Consumers should not be forced to pay a processing fee for making online payments on the company website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, TRANSUNION, XXXX fix the problem and remove inaccurate information of my credit report immediately.
Product: Student loan

I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

File shows as charged off as a loss account, the dealer whom the items were purchased from told us when we got the items, if we are unable to make the payments, he would then cover the cost. Dealer did in fact pay the account. should be Corrected to paid status, or removed. I would like to have this removed, as i have disputed several times without action. also, if possible would like to have it removed from my wife 's credit profile. 
With encouragement XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please delete, this is my second request but they haven't responded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX  Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}