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

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX BANK SELF LENDER Opened XX/XX/year> ( XXXX yrs, XXXX mos ) Account closed by consumer
Product: Credit reporting

I have written and requested that Trans union, XXXX and XXXX and asked them to please remove the incorrect addresses from my report and also to remove all Hard Inquiries from my credit report immediately! 
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
Trans Union The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX ... 
XX/XX/2016 2. XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 4. XXXX XXXX XX/XX/2016 5. XXXX XXXX. XX/XX/2016 6. XXXX XX/XX/2016 7. XXXX XX/XX/2016 8. XXXX XXXX XX/XX/2016 9. XXXX XXXX XX/XX/2016 10. XXXX XXXX XX/XX/2016 11. XXXX XXXX XX/XX/2016 XXXX. XXXX XX/XX/2016 These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are few thing 's on credit report that were removed and now show about up XXXX is XXXX XXXX XXXX. That was removed by XXXX XXXX XXXX. Investigated by the cfbp. And all there credit reporting agencies. The other is the child support. I am asking for a copy of the court order from XX/XX/XXXXXXXX XXXX XXXX of 2017 yo be provided to me all credit reporting agencies there is no XXXX credit repot..
Product: Prepaid card

On XX/XX/year> I went to box office at XXXX XXXX XXXX to purchase tickets to an event for {$410.00}. On the 1st swipe the transaction declined so the teller swiped my card again. The 2nd just showed pending but she said that it did not go through on her end. The next day the status went from pending to completed to where the funds were taken out of my account. I contacted the merchant and they stated that nothing showed on their end and to contact my bank. I disputed the transaction several times with cashapp to regain my funds and they kept denying it, saying that the merchant had completed the charge. I asked cashapp for a detailed transaction receipt to show the merchant that it did come out and they said that they couldnt give me anything. The merchant is willing to help but I have to prove to them with bank receipts that the funds in fact did come out of my account. Even in the app XXXX cant pull up anything because I filed a dispute so nothing helps. I just want my cash back or my tickets to the event, I have been robbed of {$410.00} & no where to turn.
Product: Mortgage

Hi : My prior complaint with the CFPB is XXXX. 
I've been able to get to & work with XXXX  people at both PHH 's Ombudsman & XXXX XXXX XXXX Escalations, Lost Mitigations Departments. 
The latest for me : submitted a loan mod, passed thru Underwriters, but denied by loan carrier. 

However, PHH is still not directly responding to my main complaint which is : PHH overseas reps repeatedly gave me THE WRONG INFO re : PHH policies during XXXX. 

PHH has never directly acknowledged their responsibility in my growing outstanding balance -- nor offered any make-good. 

Essentially, they're saying : " Oh, we gave you wrong info. But this is 100 % your problem. '' I call that corporate bullying. 

There must be someone at PHH who has the seniority to hear, comprehend, and do something to help.
Product: Debt collection

Quite a while ago through XXXX XXXX, I was made aware of an outstanding balance from XXXX XXXX, that is now being held by a company called Receivables Management Systems. I stated to them on more than one occasion, visa XXXX XXXX, that I do not owe this debt of {$230.00}, because this was the result of seeking treatment for a personal injury that had happened to me in XXXX, ( I was hit by a XXXX XXXX ), and as such had informed them that it was being taken care of through my auto insurance, as well as personal health insurance. I further instructed XXXX XXXX, after having been first meet aware of this alleged debt, to contact my personal injury attorney at that time, for which I gave them all the information. This case was settled in XXXX, through another personal injury attorney, but still I was led to believe that the information from this had been passed on to the new attorney. From that point on I heard nothing from XXXX XXXX, until I see my credit report through XXXX XXXX, and notice that I have this in collections through this company. 
At this point I made it very clear to Receivables Management Systems, that based on the fact that this was to be taken care of through my personal injury attorney, that they needed to speak to them and that as such I did not owe this bill. I not only never heard anything from this company, but on multiple occasions when I checked my credit report, I still found this there. I finally contacted them directly online, telling them that I do not owe this on the basis of what I've stated above, and to never contact me in any way, shape, or form. this company refused to abide by my cease-and-desist request, by sending me a letter, dated XX/XX/XXXX, that not only refuses to see what I am trying to say in this matter, but it's still insistent that I owe this debt! 
I want to make it very clear, that on the basis of the fact that this was to be handled by my personal injury attorney, that I do not owe this debt, and I refuse to pay a debt I believe I do not owe! They need to speak with my personal injury attorney of record, and not me. I am insisting, that they not contact me in any way shape or form, because if they do again, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on XXXX and Experian. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by XXXX XXXX if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via XXXX Experian and XXXX XXXX but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.
Product: Mortgage

OCWEN has repeatedly misallocated payments on Principal to other lines such as interest, escrow, taxes, mortgage insurance. This practice has happened as much as bimonthly since their acquired my mortgage. 
I mark all my payments to their designated line in the account. However ; t this practice of money mismanagement is always to OCWEN 's advantage by delaying my progress on my amortization schedule and thereby suppressing suppressing my progress on reducing the interest ratio on my loan. This hap happens so regularly that I am sure it is " ripping-off, '' a large number of their customers, making it a systemic business practice.
Product: Student loan

I am writing to formally lodge a complaint regarding a serious error in the loan discharge process related to my account. I recently received a loan discharge letter dated XX/XX/2023 to my account inbox which states that my loan has been discharged. When talking to a customer service agent about next steps she told me this letter was sent in error and meant for someone else. This erroneous information has caused me significant distress. I have repeatedly been given misleading information which is negatively impacting my loan forgiveness/discharge. 

The incorrect discharge information in the letter has led to unnecessary XXXX and I am deeply concerned about the accuracy of my account information. 

I would appreciate a written explanation for the error and a timeline for when the issue will be resolved. I can provide copies of relevant documentation, including copies of the loan discharge letter sent to me. Should you require any additional information or clarification, please do not hesitate to contact me.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I joined Self so I could help build my credit since I didnt have any, while opening the account it told me I had to speak to customer service because something was wrong they stated I didnt have any identity. I was told by an employee If I made any payments it wouldnt help my credit being that I didnt have any, so I didnt make the payment and the account was closed and now its on my credit as a late payment, Im trying to get this off my credit report because this is ridiculous if thats what the employee told me to do then this needs to be rectified.
Product: Money transfer, virtual currency, or money service

I filed a report with theFTC and and then did a report with XXXX and XXXX explaining that I was scammed. The scammers tricked me into sending them money through XXXX  and XXXX did not want to help me nor XXXX wanted to. Even though I had provided proof and the report from the FTC.
Product: Credit card or prepaid card

Updated payment bank account within online portal almost a month before my next payment was due. Thought I was okay until I received a NSF fee from my old bank. Called Barclay  to find out what happened. They told me I was on autopay, and updating my bank account doesn't change the autopay ( What does it do then?! ) and I needed to snail mail a letter with my bank account information requesting the update. With all the fraud and identity theft issues going on in this day in age, who in their right mind is going to put that information in the mail?! Now I'm stuck with a {$35.00} NSF fee from my old bank, a late fee + interest from Barclay cc, and my first ever late payment, thereby affecting my credit. ( My first EVER late payment on any account! ) The representative was no help, and told me they are not responsible at all. When I tried to speak with a supervisor she told me there is only one and she's out and will have to call me back. Still no call back ... ... Let 's face it. They will never call me back. That piece of paper she wrote my number on went straight in the trash. She already told me they don't care, it's my fault. So upsetting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

At the beginning of XXXX, I paid Arvest Mortgage {$200.00} to set up bi-weekly mortgage payments to be automatically withdrawn from my bank account. ( Apparently they charge for this service because they claim it is a " manual process. '' ) At this time, I signed paperwork agreeing to this payment schedule and they sent a document confirming the bi-weekly payments. At the beginning of this year, Arvest suddenly, without explanation or notification, stopped withdrawing my payments. I have spent no less than 20 hours on the phone ( most of it waiting on hold for extended periods of time ) to rectify this. I have spoken with countless people who claim that they have, or will resolve it, and that my payments will be resumed. Most recently I spoke with a representative named " XXXX '' who assured me that my payments would resume on Wednesday, XXXX XXXX XXXX It is now Friday, XX/XX/XXXX, and my most recent bi-weekly payment has yet do be withdrawn, as PER THE SIGNED PAPERWORK ( AND AS PER THE {$200.00} PAYMENT I MADE TO INITIATE THIS PAYMENT SCHEDULE. ) Since the first payment they failed to withdraw on XX/XX/XXXX, I have called multiple times a week, spent hours and hours on hold, spoken with more people than I can count, including supervisors, and no one seems to have any desire to do what they need to do on their end to ensure that Arvest lives up to its obligations, as per the agreement I signed ( AND THE XXXX XXXX DOLLAR FEE I PAID TO SET UP THIS PAYMENT ARRANGEMENT. ) This is not a situation of me not paying my mortgage- this is a situation of the bank REFUSING to abide by the payment arrangement and execute the automatic withdrawls as per our agreement. I should NOT have to waste 20+ hours of my life, chasing them down, begging them to restart payments, in order to ensure that MY LIFE AND CREDIT ARE NOT RUINED BECAUSE THEY WILL NOT DO THEIR JOB ( a job I PAID THEM {$200.00} TO DO! ) Bi-weekly payment arrangement confirmation document is attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX. 
According to 15 USC 1681i 5 they are suppose to ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

So I mailed in a detailed dispute of things on my credit report, that you are report inaccurately or that are not correct. I get a email today saying my dispute results are complete, and you guys did absolutely nothing. where is the proof and documentation that I requested. and then you send me a empty dispute with out any results or findings. again I am requesting documentation proving that I provided consent for these inquires. if you can not provide such proof, I request that all these inquires be removed immediately.
Product: Credit reporting or other personal consumer reports

FCRA and FDCPA Consumer Protection Laws prevent balances on authorized users accounts to be reported to the authorized users credit profiles if they did not make the charges. I dont even have the cards activated, they are in a safe and I never use them because these accounts are for credit building. 

The balances reported on my credit file for the following accounts should be updated to XXXX  balance immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for following the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed collections account from Account Resolutions with all 3 Bureaus and the accounts removed from two of the three Bureaus but left 10 on XX/XX/XXXX. Most of the 10 accounts have duplicate account numbers with different amounts attached or incomplete account numbers 1.  XXXX datedXX/XX/2013for {$140.00} 2.XX/XX/XXXX datedXX/XX/2013 for {$54.00} 3. XXXX dated XX/XX/2014 for {$100.00} 4. XXXX dated XX/XX/2015 for {$90.00} 5. XXXX dated XX/XX/XXXX for {$57.00} 6. XXXX dated XX/XX/2015 for {$120.00} 7. XXXX dated XX/XX/2016 for {$100.00} 8.  XXXX dated XX/XX/XXXX for {$69.00} 9. XXXX dated XX/XX/XXXX  for {$69.00} 10. XXXX dated XX/XX/2017 for {$120.00}
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and XXXX have gotten into the hands of the wrong person.
Product: Debt collection

The company AFNI, INC has attempted to collect a debt that does not belong to me. The following account should be removed immediately it is not mine nor is it associated with me ; XXXX
Product: Checking or savings account

A bill payment in amount of {$620.00}, payable to XXXX XXXX XXXX  was sent to payee via check, normally bill payments sent electronically, check sent from TD Bank end, not my choice to do so. I attempted to cancel/edit payment on XX/XX/XXXX via TD Bank XXXX and website, message stated check sent, payment can not be canceled/edited. A stop payment was placed on item today, XX/XX/XXXX, due to fact payment can not be edited or canceled, was advised a fee in amount of {$30.00} XXXX for stop payment. As detailed above, check sent as opposed to electronically was not my choice, I request stop payment fee waived auve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate addresses on my credit report. I have notified them of the mistakes but nothing has been done. There is a thin line between a mistake and fraud therefore if Experian continues to report inaccurate addresses it would be an act that is intentionally carried out to benefit certain individuals or groups causing detrimental effects to my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions
Product: Debt collection

I didn't receive any notification about the debt- I did get a number of phone calls from random phone numbers with no voicemails. I had no idea that I owed any money. When I found out, I paid the debt off.
Product: Debt collection

After a careful examination of my latest credit report, I identified several accounts that seem to be incorrect and were included without my knowledge.