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

Ocwen Loan Servicing, LLC is misreporting information on my credit reports. In my first complaint, they claimed that they verified only one mortgage account was reporting to the credit bureaus. However, I have copies of my credit report that substantiates they are, in fact, reporting two different accounts with two different open dates, and two different pay status '. Both accounts are reporting under " Negative Information '' and have severely and negatively impacted my credit reports. 

In addition, according to the XXXX XXXX Reporting Guidelines, Mortgage Status Codes should be reported as Code 94 not Codes 71, 78, 80, 82, 83 or 84. 

Ocwen 's ongoing misreporting is a violation of the FCRA guidelines.
Product: Mortgage

Applied for forbearance XX/XX/23 due to XXXX and huge reduction in income leading the inability to make payments short term. Flagstar has continued to provide NO communication or support regarding this process and instead has been misleading, sloppy, and unknowledgeable. Each call I make is different information and never consistent. All documents sent and not completed on their end in a timely manner leading me past the 60 day policy they have causing me to be unapproved. Appeal is pending as of yesterday due to their negligence. I have timeline of descriptive details regarding the process and have started the process of obtaining a lawyer to see how to proceed. Flagstar has the reputation of never offering assistance to their customers and in fact makes profit off of foreclosure which is why they are so negligent for their own benefit. This information coming from housing counseling who have worked with then multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by XXXXXXXX XXXX by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used Experian and found the problem was with our mortgage that was taken out with XXXX XXXXXXXX now XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.
Product: Debt collection

My concern is with a debt buyer operating under the name LVNV and at other times Resurgent. They are operating out of Nevada and have been reporting a debt on my consumer credit files which I have not been notified of and which although I have sought validation from the original creditor has not been forthcoming. 

Numerous disputes have yielded no cooperation from their part nor has it yielded documents of any kind over and above their own bills and threatening paperwork. 
I am asking for this agency to provide the proper oversight to this matter and to hold this company accountable for their violations of public trust, non disclosure and any other illegal operation in violation of all consumer rights.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

XX/XX/year> I tried to open a CD with XXXX XXXX, Associated Bank XXXX XXXX XXXX Wisconsin. She was not familiar with how to open a CD and needed to call for help from a bank help line. Some days later I received a call and later a letter saying that I could not open the IRA CD so I believe I called the bank. I found the banker had limited knowledge or information and was no help, all she could say ( over and over ) was call your accountant. No other options were made available to me. I felt uncomfortable with her lack of knowledge after 1 or 2 calls because every call circled around that I needed to contact my accountant due to the bank error. I believe after a few calls I asked the call be accelerated ( because I needed help and I was never going to get it from her ). Note I requested accerlation at least 3 times, maybe 4. Rather than have a senior banker call me ( which should have happened ), a non banker named XXXX called me ( complaint dep ). Initially she appeared to be understanding and sympathetic but she was not, at one point we had a screaming match which resulted in her sounding threatening ( there were numerous phone calls ) - my trust in this bank ZERO. Eventually, the bank acknowledged the error was on their end and upon MY request said they would pay for me to contact my accountant. I was given instruction by my accountant and recontacted the bank. When I went in to sign the new CD paperwork the bank president shows up ( no, I was not informed ahead of time ) and he apologized for the bank error. I told him a little what all went on but I had not been prepared, otherwise I would have been ( like now ). My question is where was he during these weeks and weeks of phone calls. How come he or another senior banker didnt step in? XXXX XXXX allegedly was reprimanded ( was she? ) - my thought she either needs more training or a different job. I was treated horribly by Associated Bank on XXXX XXXX XXXX XXXX XXXX Wisconsin. The bank is eager to let you know all calls are recorded so all I write should be retrievable. This writing is to the best of my memory, it is now XXXX and this situation began in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
XXXX XXXX XXXX ACCOUNT NUMBER : XXXX {$1900.00} XXXX XXXX XXXX  ACCOUNT NUMBER XXXX {$0.00} XXXX XXXX XXXX {$1500.00} ACCOUNT NUMBER : XXXX XXXX XXXX {$770.00} ACCOUNT NUMBER $ XXXX XXXX XXXX XXXX {$320.00} ACCOUNT NUMBER : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give XXXX, XXXX, or Transunion to publish any data furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon arriving home after a month of traveling, I found a notice from the XXXX XXXX XXXX XXXX congratulating me on the {$27000.00} loan I took out. I thought it a joke or some marketing scam and threw out the notice. A few days later I received a " Payment Book '' from XXXX for 36 months of payments at {$890.00}. This was surprising and I called the company to find out what they were doing and why this was happening. I DID NOT take out such a loan. They claimed they understood there had been a fraud situation and I received the only digital communication they have so far offered acknowledging our communication ( this was on XX/XX/XXXX ). Somewhere in the phone conversation I had a representative acknowledged that they had caught and stopped this transaction prior to my communication with them. It seemed the problem would be resolved shortly. 

It wasn't. I began receiving late payment notices 6 weeks later and continue to receive them. Needless to say this is having an impact on my credit rating. I spoke to company representatives nearly a month ago and they acknowledged my past communications and claimed their fraud unit would get things taken care of in 30 days. I noted that I was told that nearly two months prior and asked to speak to fraud staff. I got the run around on several requests. Furthermore, I asked why I could not receive something in writing regarding the problem and an acknowledgement and apology from the company for their error in issuing a loan under my name fraudulently. I also asked specifically for an explanation of how all of this transpired since I was never contacted about said loan. They gave me no satisfactory explanation, nor did they issue an email or letter acknowledging the problem they had created for me. I know nothing about the legitimacy of the XXXX XXXX XXXX XXXX, however, they have not been forthcoming or communicative about a problem they created due lack of checks and balances in their system and it is now a problem for me that I have spent far too much time trying to handle.
Product: Debt collection

Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to MsXXXX XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from Zion 's Bank to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called Zion 's Bank Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!
Product: Credit reporting or other personal consumer reports

Im filing this formal complaint to report a strong likelihood of multiple violations of the Fair Credit Reporting Act ( FCRA ) by COMENITY BANK.

COMENITY BANK has engaged in the following unlawful practices : Non-compliance with opt-out requirements ( 15 U.S.C. 6802 ) : This section mandates that financial institutions provide consumers with a clear and conspicuous explanation of their right to opt out of sharing nonpublic personal information with unaffiliated third parties. I have never received such notification from COMENITY BANK, despite having the right to do so for years. This omission constitutes a clear violation of the FCRA. 
reporting inaccurate information ( 15 U.S.C. 1681 ) : The FCRA requires credit reporting agencies and information furnishers, like COMENITY BANK, to ensure the accuracy and completeness of consumer information in credit reports. My lack of receiving the opt-out procedures raises concerns that COMENITY BANK might be disclosing inaccurate or incomplete information about my ability to control the sharing of my nonpublic personal information. This potential violation could negatively impact my credit report and limit my access to credit opportunities.
Product: Checking or savings account

On XX/XX/XXXX I contacted my bank wells Fargo and the company that charged my debit card XXXX and XXXX  XXXX  about fraudulent. Activity. There were over 100 transaction placed in 6 months XX/XX/XXXX to XX/XX/XXXX, totaling a little more then 2900.00 dollars. Starting the XX/XX/XXXX and everyday I was on the phone with wells Fargo to discuss the claim. They denied me once and said that my XXXX year old has permission to purchase games. Once I asked for a supervisor the sent me to the executive branch which can not make those determinations. Then for the last 2 weeks I  have been hung up on and tossed around departments. I would like all my money returned since I was not the person who made those transactions or authorized the transactions in any shape or form
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are showing on my credit 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
Product: Debt collection

I used to live in a housing complex in XXXX XXXX, FL operated by XXXX XXXX XXXX XXXX XXXX  and stayed till the end of XX/XX/year> when by lease expired. I left on time and had no issues when leaving the place. On XX/XX/year> XXXX  months after I had left the housing complex I received a call and letter from Professional Debt Mediation , INC claiming a debt was owed in the amount of {$2000.00}. There was no explanation as to what the debt pertained to or why it was being collected. I stated unequivocally that no such debt existed and that I had never even hear from XXXX XXXX XXXX XXXX regarding this at all. Professional Debt Mediation , INC then made multiple calls on XX/XX/year>, XX/XX/year>, and XXXX but never left a voicemail or when the call was answered just hung up and no one said anything on the other line. On XX/XX/year> another call from Professional Debt Medication, INC was placed and again there was no answer and hence I called back to where I was connected to an agent who reiterated the original debt amount and when told no such debt existed the agent threatened to have the debt reported to the credit bureaus if the debt was not paid. At this point I told the agent that this debt will be disputed. On XX/XX/year> a dispute letter was sent via certified mail to XXXX XXXX XXXX and delivered on XX/XX/year> requesting debt verification/validation, disputing the debt, asking them to cease any and all communicaton and to not report any fraudulent debt to the credit reporting agencies. Today, XX/XX/year> I received alerts on my credit reports that the debt collection agency had reported the debt to the credit bureaus, violating the Fair Debt Collection Practices Act ( FDCPA ) by not providing proper verification before reporting the debt to the credit agencies. I have till this date XX/XX/year> not received any written communication verifying or validating the debt or even confirming what this debt is about and hence this collection attempt is completely baseless and fraudulent.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order Against XXXX, XXXX, and TransUnion for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX Bank. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX, XXXX, and TransUnion for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX  . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in XXXX, XXXX, and TransUnion 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and XXXX, XXXX, and TransUnion continued to report the information. 

Furthermore, XXXX XXXX XXXX XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX, XXXX, and TransUnion immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, and TransUnion regarding their handling of my XXXX XXXX XXXX XXXX  account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I sent a letter requesting Equifax to review my accounts and send me a written description of results. Equifax replied with accounts verified and or updated. I wrote a second letter requesting description on how accounts were verified. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 Equifax has violated my rights on two separate accusations now. I would like these accounts removed under the Fair Credit Protection Laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I LOOKED AT MY CREDIT REPORT AND NOTICED THINGS THAT WERE WRONG AND REPORTED MY FINDINGS TO THE CREDIT REPORT BUREAUS, BUT THEY REFUSED TO REMOVE THE FRAUD ACCOUNTS. I'D LIKE TO REPORT THESE ACCOUNTS AS NEGLIGENT AFTER IT WAS BROUGHT TO THEIR ATTENTION THAT THE ACCOUNTS ARE FRAUDULENT/INACCURATE.
Product: Credit reporting or other personal consumer reports

On XXXX sent TransUnion XXXX dispute via CFPB portal asking them to block fraudulent information reporting with the accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX on XXXX 3 days later they said they are blocking my fraud request in accordance to 605b of the fcra even though I have provided the information asked year after year over and over this is not an error I was incarcerated from XX/XX/XXXX until XX/XX/XXXX making it impossible to open any accounts I have never owned any credit cards before going to prison and my credit profile should have been completely empty I only had XXXX secured loan that was paid back and I have court documents and my prison id card with my release date proving that I was unable this block request was no error I was unable to open a account I had no access to a bank to be able to open up a credit card I would not have been able to receive activate or use a card there is not even a XXXX XXXX institution in XXXX XXXX this is very frustrating dealing with TransUnion XXXX have asked for proof that the account is mine I get none they are discriminating me refusing to investigate this serious matter and causing me a lot of stress on me and my family and emotional abuse that I would not wish on any one I got out of prison wanting to change my life for the better but since becoming aware of this fraud I have been through XXXX can not get a apartment a Loan a mortgage TransUnion XXXX holding XXXX back I will provide these documents to TransUnion but if they still refuse to delete the information I will be forced to sue for discrimination racism failure to conduct investigations and basically refusing to even acknowledge or try to investigate the fraud and CFPB will be my witness to that below will be my prison ID & identity theft report AGAIN and the court documents that anyone can look up there self this using the South Carolina XXXX docket case search that you can reference yourself in the South Carolina XXXX XXXX ( XXXX ) as stated in the letter with this additional and undeniable information I expect transunion to block this information in XXXX business days or I will be starting the litigation process