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

I am filing a formal complaint against Discover Bank for failing to adequately address my dispute concerning inaccurate credit reporting on my account. Despite my efforts to resolve this issue amicably through a pre-arbitration settlement offer, Discover Bank and XXXX have not responded with a satisfactory resolution, and I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2024, I sent a pre-arbitration demand letter to Discover Bank. In this letter, I raised several inaccuracies regarding the reporting of my account information, which have caused significant harm to my creditworthiness. These inaccuracies include missing data, conflicting dates, and incomplete account information. In my letter, I offered Discover Bank the opportunity to settle the dispute by paying {$75000.00} to resolve the issue and avoid the need for arbitration or legal action. 

Despite the serious nature of my dispute, Discover Bank failed to respond satisfactorily to my demand for settlement. Instead of addressing the discrepancies or agreeing to a reasonable settlement, their response ignored the details of the inaccuracies and did not make any valid counteroffer. Their failure to address my claims after multiple disputes constitutes a violation of the Fair Credit Reporting Act. 

Specific Violations of the Fair Credit Reporting Act ( FCRA ) : -Violation of 15 U.S.C. 1681e ( b ) : Discover Bank failed to ensure maximum accuracy in reporting the information on my account, which has led to misleading and incomplete data being reported. 
-Violation of 15 U.S.C . 1681s-2 ( a ) : Discover Bank did not take appropriate action to investigate the inaccuracies in my report and failed to provide the correct information as required by the FCRA. 
-Violation of 15 U.S.C . 1681s-2 ( b ) : After being notified of my dispute, Discover Bank did not conduct a reasonable investigation into the validity of the reported information and failed to update or correct the data accordingly. 
-Violation of 15 U.S.C . 1681c ( a ) ( 5 ) & 15 U.S.C. 1681c ( i ) : The incomplete and inconsistent information regarding payment history, charge-off dates, and account balances has led to my credit report being inaccurately reported, which violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Solomon & Solomon are attempting to collect a debt for {$160.00} in which I ve asked for documents that I still have not received. I ve asked for them to show me that they are licensed in my state to collect a debt. I ve also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I ve asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA. 
Also they have failed to provide me with a SIGNED CONTRACT with my signature on it!

I have sent numerous letters with requests that S & S refuses to acknowledge and respond appropriately to!

S & S has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
Product: Bank account or service

I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. Thank you
Product: Credit reporting 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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 went to check my card balance in it was told to me by the automated system that a new card was mailed out to my address on XX/XX/2019 and that i should receive a new card in 2- 3 business days and then it hangs up. I tried to contact a live person but it would nt let me so I called Social Security informed them of the situation in as i was doing so i was look at my online statement were it stated my check had been deposit on to a different card then the one i had on me in that on XX/XX/2019 at XXXX XXXX someone had did a ATM withdraw of {$900.00} call all numbers to direct Express   and they just keep asking me for my socail and transfer me to different people and hang up. This has put me and my family in a crisis situation not being able to pay bills in receiving letter to vacate due to no payment of rent in other utilities, .As a customer i feel that this company has failed to provide me with the services that they promised.
Product: Mortgage

XX/XX/XXXX, - Property Closing Date with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter acquiring loan using NewRez, as servicing agent XXXX XXXX, XXXX - NewRez said they did not receive the HOA flood policy XXXX XXXX, XXXX - Clients letter to NewRez enclosing copy of HOA flood policy XXXX XXXX, XXXX - NewRez letter to clients re flood policy will expire soon XXXX XXXX, XXXX - XXXX XXXX  sent HOA flood policy to NewRez ( clients request ) XXXX XXXX, XXXX - NewRez letter to clients confirming HOA flood insurance policy that they had placed on our property was cancelled on XX/XX/XXXX because adequate insurance coverage had been received. 
XXXX XXXX, XXXX - NewRez letter to clients saying that HOA flood policy did not contain adquate flood coverage. 
XXXX XXXX, XXXX - NewRez letter to clients stating that if we don't receive proof of an active flood policy within 15 days, they will give us lender-placed flood insurance. 
XXXX XXXX, XXXX - Clients letter to NewRez resending flood policy again & giving them flood insurance group policy information to contact directly. 
XXXX XXXX, XXXX - NewRez letter to clients informing us that lender-placed flood insurance policy had been placed on their behalf. 
XXXX XXXX, XXXX - Clients letter to HOA flood policy company XXXX XXXX XXXX XXXX, XXXX ) with NewRez documentation of what they were doing to us. XXXX sent ( via fax and mail ) the insurance flood policy confirming proof of coverage. 
XXXX XXXX, XXXX - NewRez Annual Escrow Account Disclosure Statement showing new amount due on XX/XX/XXXX. 

NOTES : On our closing date last XXXX, clients signed an Escrow Waiver specifying that there be no escrow account. Additionally, Notice of Servicing Transfer that was also signed, specified that the original terms of our mortgage would not ever be changed.

During all this correspondence from NewRez, there was never a name, a contact, or direct phone number of anyone to ever contact.
Product: Debt collection

I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed XXXX XXXX XXXX XXXX that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.
Product: Credit reporting or other personal consumer reports

I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit inquiries on my credit report that i don't recognize, it wasn't authorized by me. 

XXXX XX/XX/XXXX, XXXXXXXX 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

I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filled due to the fact of this being an ongoing issue and Experian has violated several laws in dealing with this matter.

I filed a dispute with Experian for the collection placed on my report by XXXX XXXX. it was investigated, found to be cause for deletion, was deleted and a few months later was placed back on Experian without providing me with the 5 day notice of reinstatement, as is per Law requires.

And stated by U.S. Law 73 Am Jur 2nd, sections 90 & 93 States that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect and then claim successor in rights and interest. Thus when an original creditor sells a debt they give up the rights to collect on that debt, but they do not give those same original rights of or to collect ( ion ) to the collection agency.

And are clear that a 3rd party can not be substituted onto any agreement without the request from the consumer to act on their behalf.

send a copy of the signed authorization by you allowing them to collect information and make any communication about you to the credit reporting agencies.

I have never authorized this company to collect or share any information about me. I have no contract with this company and have never requested any money nor services from them. They have no legal right to be on my credit report. 
***Delete this now or provide the proof.

Siting case XXXX v. XXXX.

FCRA Section 603 says : ( o ) EXCLUDED COMMUNICATIONS. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters of dispute on XXXX XXXX and XXXX XXXX of this year to Trans Union regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a XXXX XXXX credit card account that was closed some years ago.. XXXX XXXX  replied to T.U. that they would not remove the account/derogatory at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unverifiable information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation of disputed accounts, ensuring all information is accurate, complete, and verifiable.

The following account ( s ) contain inaccurate or unverifiable information and must be permanently deleted from my credit report : XXXX XXXX XXXX As a result of these inaccuracies, I have experienced high interest rates, loan denials, and financial hardship. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain procedures to ensure maximum possible accuracy. Failure to do so constitutes negligence and non-compliance with federal law.

Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a proper investigation and correct or delete information that can not be verified. If these accounts are not removed due to failure to verify their accuracy, this will be considered willful noncompliance per 15 U.S.C. 1681n, entitling me to damages. 


I demand an immediate and thorough investigation into these accounts and request their permanent removal from my credit file if they can not be verified within 30 days as required by law. Please provide me with written confirmation of the deletions or the results of your investigation.

Thank you for your prompt attention to this matter. I expect a response within 30 days as per FCRA guidelines. Failure to comply may result in legal action.
Product: Vehicle loan or lease

Hello, I contracted with a company named " Fair '' to acquire a short term lease to acquire a car to use for work.

I should have realized not to do business with this company after they ran separate hard credit checks inquiries simply because the car I wanted ( and they promised was ready ) was unavailable and I needed to get a different car.

I picked up the car, which was misrepresented by the company in the ad, with pertinent damage the exterior and interior with major stains on the cloth interior. The payments were automatically billed against a credit card, however after a few weeks, FAIR began billing each of my two cards {$220.00} per week even after I unsaved my credit card information. 

Attempting to contact them, in the month of XX/XX/2018, I was required to wait 45 minutes for a human representative who would put me on hold again for a supervisor, who were always conveniently " Not available ''.

When I attempted to return the car, the company did not show up & on the agreed upon date and did not call. Fair continued to bill me after my pickup date because the car " did not get returned ''. I have a copy of a signed document showing the car was picked up on the XX/XX/XXXXhowever, a bill on the XXXX. Yet the Fair representative picking up the car insisted I was not allowed to have a copy of the pickup receipt, which I found incredibly inappropriate. However I was so desperate to end their overbilling, I was afraid of giving them any more reasons to say " The car wasnt pick up yet '' and continue to overbill instead of acknowledge their failure to use vendors who do not give out receipts. 

I was overbilled to the sum of {$1100.00} over the 3 months I was using the car for work, and I received threatening form letters however I can not for the life of me get a supervisor on the phone to actually fix their mistake. 

I have sent multiple emails and attempted to call their office but I have gone ignored once the person insists its going to a supervisor, but the issue is clear : there isn't anyone with the necessary authority who is available to their customers, after they sign on the dotted line.
Product: Mortgage

This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. 

In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. 

Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. 
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!
Product: Credit reporting or other personal consumer reports

I previously filed a complaint regarding unauthorized credit inquiries on my Experian credit report, and some of those inquiries were removed. However, several remaining inquiries tied to the same issue were not removed, despite my providing documentation to support my claim. 

When I contacted Experian on XX/XX/year> to address this inconsistency, the representative I spoke with refused to assist me properly. I explained that the dealership responsible for the inquiries, XXXX XXXX, is out of business and can not verify the inquiries. The representative was dismissive, unhelpful, and stated that the inquiries would remain on my credit report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires Experian to verify the accuracy of disputed information or remove it. Since the business is no longer operational, it is impossible for Experian to verify these inquiries, and they should be removed. 

The remaining inquiries that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has already removed similar inquiries, showing inconsistency in their handling of my case. I request the CFPBs assistance in ensuring that Experian follows its legal obligations and removes these remaining unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; Has violated my rights. I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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.