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

Im 2020 my vehicle was totaled Navy Federal Credit Union was the Lienholder. Without our knowledge XXXX XXXX sold the from underneath us illegally removing NFCU and myself from the title and changing the VIN. XXXX. In XX/XX/2020 XXXX XXXX XXXX told NFCU the car isnt totaled and can be repaired, then XXXX NFCU was removed as the leinholder holder ( as stated ) without 60 days notice ( illegal ), as well as now without collateral NFCU is in a bind because 60 days has passed where I am not on the title or in possum of the stolen car and the fact that the VIN was charged ( extremely extremely illegal ), and finally the vehicle was ultimately sold twice, XXXX and XX/XX/2020. Thus making the new owner liable. I have resolved this issue and would like Navy Federal Credit Union comments and account removed from my report as it was previously but just now appearing again.
Product: Debt collection

I called Harris and Harris XXXX at XXXX on XX/XX/XXXX. I was inquiring about debt validation and the operator started screaming at me that I know I owe this money and I replied that I am just asking questions to verify the debt. I asked to speak to her supervisors and was placed on hold for 30 minutes. I could no longer wait on hold.
Product: Credit reporting or other personal consumer reports

I checked my report and saw unauthorized inquiries, please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

One student loan was transferred to AES/PHEAA in XXXX, in the amount of {$33000.00} ( see attached ). Over the years AES reporting became inaccurate and loan was duplicated within the AES account. I have tried repeatedly to have the duplicated loan removed. My latest efforts began again in XXXX, XXXX. ( see attached ). I was initially assured the duplicate would be removed within 10 days. This has not happened. I contacted two PHEAA Executives, AES customer service, the AES Omnbudsman, and the Federal Ombudsman with no success. In a more egregious foul-up AES/PHEAA just QUADRUPLED the amount allegedly owed and reported same to the credit reporting agencies ( see attache ) so the amount owed now shows as $ XXXX plus. I want the account audited, the duplicate amounts removed, and credit for any incorrect interest charged, and for any payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX I left for California, leaving behind my XXXX XXXX debit card. On XX/XX/XXXX I saw that more than {$5000.00} were missing from my account so I called the bank and reported it. My card was still at home while I was away on a business trip. The transactions date back to the XXXX XXXX XXXXXXXX. However the bank denied any errors and I issued a rebuttal. I filed police report # XXXX on XX/XX/XXXX. Most of the money stolen was deposited into my account from XXXX for my tuition. Ever since then the bank hasnt resolved anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX ( XX/XX/2022 ) that you need my updated email address which is XXXX. It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card company offers bonuses call to know the status of the application and they say that I must apply again
Product: Money transfer, virtual currency, or money service

PayPal said I can no longer use there services which Im ok with but when ask to close my account they said they can. My financial info is still in there Al I want them to do is close my account
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. MIDLAND CREDIT MANAGEM has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Mortgage

On XX/XX/XXXX I disputed missing a payment with Rushmore Loan Management. I sent my bank statements and asked them to review it. I wanted them to see I haven't missed a payment. Because of this issue more problems came about. I was charged late fees and interest payments. Also my PMI was going to be depleted on XX/XX/2023, however since they determined I am ineligible for early cancellation based on them stating I have been more than 30 days or 12 months past due on my payments. They also stated my mortgage have increased. I responded by saying I received two notification letter one in XXXX and another one in XXXX. They stated they had sent a letter in XXXX. I explained to them I haven't received any other letters in XXXX referring to a mortgage change. I tried reaching out to them, however they want listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit card

Purchased a box of baseball cards on the XXXX site for {$85.00} using my M & T credit card. Two weeks later, instead received a box I did not order, valued at {$1.00}. Fraud on the part of the seller. XXXX refused to help, refused to authorize even a return, so I filed a charge back with M & T- which was refused, for essentially no reason at all. Defeats the whole purpose of why one uses a CC- for your issuer to have your back.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX  Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We are filing a complaint with ocwen for failing to rectify and correct wrongful overcharges from prior lender ( Saxon ) and for ocwen wrongful cost in modification. We seen were CFPB brought suit against ocwen XXXX, XXXX for failing to investigate errors in escrow and excessive fees charged. Immediately when our loan transferred to ocwen XXXX, XXXX we filed a complaint with CFPB XXXX complaint XXXX XXXX are just a few each one with the same issues. Ocwen in XXXX when we modified added the escrow overcharge to deferred principal knowingly that the XXXX modification was incorrect by XXXX overcharge of escrow. We have been charged 80 months accrued interest now since the XXXX modification. 
The XXXX ocwen modification ( letter dated XXXX XXXX that you have in your file also shows wrongful charges. They only credited XXXX trial payment of XXXX instead of 3 which they failed to credit XXXX, they delayed modification from XXXX to XXXX classifying it as a step two which resulted in excessive legal fees, They placed positive escrow of XXXX into escrow application fund, we paid XXXX from payments to escrow, modification advanced XXXX and XXXX escrow was classified on payment history as a loan application. 
How could our escrow turn into negative XXXX XX/XX/XXXX? 
Ocwen failed to investigate and rectify all wrongful over charges, and failed to credit properly knowing first handed we were abused by both lenders being seniors on a fix income
Product: Credit reporting or other personal consumer reports

I'VE TRIED TO MAIL THE POLICE REPORT AND FTC REPORT TO TRANSUNION SEVERAL TIMES BUT IT NEVER GETS ATTACHED TO MY CREDIT FILE. IVE TRIED ONLINE UPLOAD ON THERE DISPUTE PAGE AND IT WILL NOT LET ME, IVE DISPUTED THIS IMFORMATION SEVERAL TIMES BUT IT NEVER REMOVES THESE FRUAD ACCOUNTS. IVE DONE EVERYTHING, IM TURNING XXXX IN XXXX OF THIS YEAR AND IM SO STRESSED OUT CONCERNING THESE ACCOUNTS THAT AREN'T MINE OR NOT ACCURATE. PLEASE HELP. THE ALLY BANK ACCOUNT ISN'T MINE BECAUSE I DID HAVE ONE YEARS AGO BUT MINE IS PAID OUT XXXX MO AFTER I FINANCED IT, XXXX XXXX ACCOUNT IS BEEN PAID OFF AND NEVER WAS LATE AND I HAVE LETTERS STATING THAT WITH A COPY OF THE TITLE, SO I DONT KNOW IF THAT ACCOUNT IS FRAUD OR NOT BECAUSE MY ACCOUNT WITH XXXX XXXX XXXX WAS PAID OFF XXXX DAYS AFTER FINANCING IT, POWER EQUIPMENT DIRECT IS FRAUD AND I CALLED THEM UP AND THEY STATED THEY DIDNT HAVE ACCOUNT IN MY NAME, XXXXXXXX XXXX XXXX XXXX XXXX AND I CALLED THEM AND THEY SAID IT WAS NOTED AS FRAUD. XXXX INQUIRE IS FRAUD, XXXX INQUIRE IS FRAUD. PLEASE HELP OR IM LOSING MY NEW HOUSE ON XX/XX/year> DUE TO NOT CLOSING. THANK YOU
Product: Payday loan, title loan, personal loan, or advance loan

I used Affirm to buy a product and pay over time. 

Towards the end of the monthly payment cycle, I had unknowingly made a mistake and opt out of automatic pay system. This resulted in my account being late for my payments. After finding this out, I had called affirm, I believe XX/XX/2023. I spoke to an agent, the agent let me know that there was still time to make the payment. Immediately after hanging up, I made the payment in full through their app. The payment was processed by XXXXXXXX XXXX, and I thought that was that. 

Few months later, I noticed that my XXXX credit was significantly lower than the other two credit bureaus. I came to find out that they had written me off, representing to XXXX as if I had not paid the debt. I called Affirm and spoke to a supervisor. I was told that I was written off as of XXXX XXXXXXXX XXXX, and because my payment came through on XXXX XXXX, there was nothing they could do. 

The time it takes for their app and my bank to process the payment is out of my control. They fully know that once you click " pay '' on their own app, that the payment isn't made instantaneously. Even though I listened to the advice given me by one of their representatives over the phone on XXXX and paid the owed amount in full, they made a false representation to XXXX. All of their phone conversations are recorded and if they wanted, they have the ability to verify and help solve this issue, but they refuse to. 

I am submitting my XXXXXXXX XXXX statement, and a screenshot of confirmation email received from affirm regarding my payment made on XXXX as supporting document. If needed, I can also contact my old phone carrier and try to get a record of me calling Affirm.
Product: Debt collection

Dear XXXX XXXX I am responding to previous CFPB complaint XXXX, Allied Account services , Inc stated that the account was assigned for collections by the creditor of record, XXXX XXXX .I did not consent to have my non public personal information to be shared with any other company/agency/entity regarding the account that I had with XXXX XXXX I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information, As of today XX/XX/2022, I no longer give your company, its partners, and affiliates knowingly and unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have my personal information. I am a consumer and consumers have a right to privacy. Privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy you company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an " assignment of accounts '', chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only, which is what your company ( a debt collection agency ) is doing by demanding I owe an alleged debt, you were prohibited to take this account in the first place, but you decided to buy this alleged debt anyways. Therefore I am demand your company, its partners, and affiliates to have this account deleted from any CRAs you reported it to, for infringing my right of privacy within 10 business days and I prohibit your company from transferring this account to another debt collector. I am giving your company 30 days to update my request, cease furnishing my private information and cease and deist all communication unless it pertains to resolving this matter. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C. 1692e ( 3 ) which states '' The false representation or implication that any individual is an attorney or taht any communication is from any attorney.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained through the authorized channel on XXXX from XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.
Product: Mortgage

I have repeatedly asked XXXX simple questions and have received XXXX pages of paper work but have not received a truthful answer from XXXX XXXX. She refuses to seek the truth and give a truthful answer. 

1st Provide me with legal documentation that XXXX XXXX was served with a Lis Pendes at his residents from your attorney. You keep providing false documentations. and Wells Fargo supports and improper foreclosure proceeding denying a XXXX yr old XXXX Veteran his right to contest your actions in court. 

2nd A simple question just answer why there was XXXX different reason for denial. If Wells Fargo or the HAMP program only grants XXXX in a 5 yr period that should have been stated in the first applications. 
Simple questions which only require XXXX line answers not XXXX pages and 45 days to reply. 
I have spoken with XXXX XXXX and have asked her to contact her attorney to give proof tha XXXX XXXX was served at his residents not the rental property in question. She has not returned my call in weeks.
Product: Debt collection

I need your help to stop this deceptive practice and fraud from Office Depot, I had request to cancelled the service but the charged continually to add on to my account in my name. 
I paid my bill in timely manner and pay as agreed. For the service to start I must pay in advantage otherwise the service will not be provided. When I request for cancellation the charge should be stop, and not giving accused for back pay for fraud profits. I called and spoke to XXXX on XX/XX/2020, XXXX she insisted that I still owned Office Depot back in XXXX & XX/XX/2020. ( see attachment ) Office Depot continue to send me monthly bill with late charged and interest that I didnt owned. Please help me stop this deceptive practice and fraud that continue on, and on. 
I need your help, this type of fraud for profits must be stop, I am looking forward to hearing from you and thank you for your help and understanding. 
Sincerely,
Product: Debt collection

Waypoint debt collectors has been over XXXX months that they have been paid. I uploaded the letter of debt paid off. I need this updated in XXXX Ive tried talking with them and nothing Ive filed countless disputes. They state they contacted the vendor but they didnt. I need removed and my report needs to be accurate.
Product: Checking or savings account

I accepted an online job that required me to add a set amount of money to my work account to influence ratings on apps. The amount kept increasing and I became skeptical of the validity of the job. By this time, I had already deposited {$30000.00} to this account through my Bank Of America account. I was borrowing money from a secondary personal account and business accounts to try and get this money back. When Bank Of America called and asked if I was in a fraud situation, I first said no. But after further consideration I felt it was better to tell them that I thought I may be caught in a fraudulent scam to see if they had any suggestions for getting my money back. They decided to place a hold on all of my funds and closed my account stating that they did not want my business any longer. I was told on XX/XX/year> that it would take up to a month to receive my money back that they had put a hold on because it was under their fraud review. The amount of money they are holding is {$8800.00}. I called and spoke with XXXX  in the dispute department on XX/XX/year>, and she took notes on the situation for my file. I asked for a simple answer as to when I would receive my funds back and did not get an answer, but was told to call back in a week, XX/XX/year>. I have called back twice, and they will not accept my calls. The only thing that I can get from them is that my money is being held in the " Hold Harmless Office ''. I should have had my money at the time that the account was closed or at least been given a definitive answer as to when the money would be repaid to me. At this point, I am considering legal action against Bank Of America for theft of my funds. Please advise if I have any path of recourse to recover the money that they have essentially stolen from me.
Product: Credit reporting or other personal consumer reports

My account with ( 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 those account 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 ) 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 reporting or other personal consumer reports

I am presenting this complaint to formally dispute the accuracy of certain negative accounts on my credit report. The information being reported is inaccurate and has caused significant harm to my credit rating. The following accounts are inaccurate and should be corrected in my credit report : XXXX XXXX XXXX XXXX : {$XXXX} ; XXXX XXXX Balance : {$XXXX. Please investigate these matters and update my credit report to reflect the accurate information. I also request that you provide me with a written statement confirming the correction of these negative items once the investigation is complete. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

i did not authorized these transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.