23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My rent was paid up through XX/XX/2022. I sent certified letter stating I would not be renewing my lease and gave a date when I would vacate the property. I tried to notify by phone when I was bringing the key because they were closed when I got off work and I moved and worked a hour away. The number was disconnected so I sent another certified letter and XXXXXXXX XXXX received both certified letters. I gave proper notice. I should not be charged rent and utilities for 11 days because I didnt return the key for 11 days. They were notified when me and my things would be gone. I left the apartment clean and rent paid up till the XXXX. I was never late paying anything.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

oIn 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 u.s.c 1681. 

Account Name.. XXXX XXXX XXXX XXXX XXXX ... Account Name.. XXXX XXXX XXXX  ... # XXXX Account Name .XXXX XXXX XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX ... Account name... XXXX XXXX XXXX XXXX XXXX XXXX  Account Name.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... Account Name .... XXXX XXXX XXXX  ... Account # XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX  ... Account Name... XXXX XXXX XXXX XXXX ... Account Name ... XXXX XXXX XXXX XXXXXXXX ... 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 following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reprt by more than seven years. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Mortgage

I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.
Product: Credit card

On or about XX/XX/2024, while on vacation, XXXX XXXX XXXX and I both got a voice message that my accounts with American Express had been immediately cancelled - accounts ending in XXXX and XXXX - and the reason was Per Banking Regulations. After 5 phone calls, no one could tell me what that meant, nor give me any further information as to why an account open for 40+ years was being cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name name, addresses and phone numbers. I have disputed several times and it was removed but back on my report. I called Transunion and asked for a  US  rep and was given  XXXX   (   XXXX  ) who just kept transferring me to a voicemail.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

ive filed a dispute on XX/XX/2021 and yet to receive any results resolving my issue. I've tried contacting the original creditor to see if they can provide me information on regards of the misleading and inaccurate information and I have not received a answer, this is causing me thousands of dollars in interest a year and I would like to have the matter resolved. this is a violation of the fair debt collecting practice act. I refuse to wait another 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate action regarding inaccurate, misleading, and unverified information on my credit report. Despite my previous dispute, which included an FTC report, you have failed to delete the erroneous information within the legally required timeframe. This failure is a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Let me make it clear : my legal name is XXXX XXXX XXXX XXXX, and yet, your records falsely associate me with names such as XXXX, XXXX, and XXXX XXXX. I am seeing at least six incorrect versions of my name on my report. These inaccuracies must be deleted immediately.
Product: Debt collection

I received another letter from XXXX their ref # XXXX XXXX XXXX XXXX XXXX which CFPB responded to them immediately ( I can not locate my ref # ) The letter I got in the mail today is dated XX/XX/XXXX and low and behold, another letter head of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX MN XXXX ... XXXX ... with debt description as ! XXXX XXXX XXXX ; XXXX XXXX acct XXXX XXXX same amt of XXXX but the letter says they can not resolve dispute cause they need my SS #. OMG they do noy mention that the so called loan was supposedly made in XXXX ... ... ..I am not the borrower never have been did not make a loan for this and they try to scam me 16 yrs after this loan was supposedly taken ... .really? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX
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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligence Dear consumer report I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : 1. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
3. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within 30 days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Debt collection

I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Consumer Loan

Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 someone accessed my Coinbase Wallet Transferred all my XXXX  holding to XXXX  then transferred my XXXX  to this external XXXX  account that is not mine : XXXX They stole $ XXXX from my Coinbase Wallet. I immediately locked my account when I discovered this occurred. I have tried to request help from Coinbase by already creating two service tickets and have not heard back from them. I called Coinbase and their support could not help me and told me I need to wait from an email from them and they will only communicate via email. This is unacceptable from a company Coinbases size.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dealing with Mid America Mortgage/Click N Close has been completely insufferable. Mid America Mortgage/Click N Close has reported my mortgage to be 120 plus days delinquent and yet they sent me a notice stating that my mortgage is up to date until XX/XX/XXXX. I contacted Mid America Mortgage/Click N Close to have them reverse that reporting and they basically told me that I have to prove that they even reported it. On top of that, I have sent them a check for almost {$39000.00} from an insurance claim which they were supposed to cash and then send me the money to pay the contractor for the repairs. Mid America Mortgage/Click N Close lost the check for over 2 weeks and I have proof of it being sent overnight with a tracking number. Mid America Mortgage/Click N Close lied and stated they submitted a " work order '' to find the check on 2 separate occasions, however, when I called to check on this the record did not reflect that request. When Mid America Mortgage/Click N Close found that check, we had already put a stop payment on that check and sent a second check which they then received also and they tried to cash both of them. Obviously only one check went through. They put a stop payment on the one fractional draw check they sent me so I am unable to utilize those funds even if I did receive that check, which I have not. Mid America Mortgage/Click N Close then said they were only going to give me a partial draw for a fraction of the original check amount. I never received that partial draw and it has been over a week. My mortgage is reported as delinquent and they have lost the money from my insurance company and my contractor has yet to be paid because of Mid America Mortgage/Click N Close 's negligence. No one knows anything and have all provided incorrect contact information such as email addresses and physical addresses. They have also provided me with false information regarding policy and procedure. No one should trust this company with a single dollar as it will be misused, misplaced, and stolen. Mid America Mortgage/Click N Close has caused me extreme distress, migraines, XXXX  and XXXX XXXX due to this entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request TRANSUNION the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXXXXXX Balance {$570.00} XXXX XXXX XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

ITHINK XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i submitted a dispute XXXX and after contacting the data furnisher experian and after their investigations the account was removed from my credit file .Still to date the account is still showing on my credit a collection XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 in ( MONTHS REPORTING 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 XXXX, 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

Affirm XX/XX/2022 delinquent loan for {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.