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

I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision.
I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses.
Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct.
XXXX XXXX XXXX. reported that I had registered to vote under my maiden name.
Well, I was married at the age of XXXX and never used my maiden name after that.
They failed to give a year for this information.
Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student.
Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it.
I am on XXXX, I drive less than 10,000 miles a year
Product: Debt collection

A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told be Equifax, using their online tool, that my information may have been implicated in their recent security breach or hack.
Product: Credit card or prepaid card

the company that charge the debt off was supposed to send 1099c in the mail for purpose of tax return
Product: Debt collection

I am not liable for this debt with JEFFERSON CAPITAL SYSTEM. I do not have a contract with JEFFERSON CAPITAL SYSTEM. This business has failed to provide any supporting information to that fact. I demand they submit a correction to my credit report immediately. ** accordance with the Fair Credit Reporting Act and ***** Consumer statues this business has violated my rights. ** accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC ****.
Product: Credit card

I work for XXXX and when the XXXX occurred was given credit reporting services through XXXX. I have been monitoring my account since around XXXX 2015. I have a copy of my most recent credit report. On XXXX I noted that " Potentially negative information has been posted to your Credit Report '' by AMEX on XXXX/XXXX/15 and XXXX/XXXX/15. I have called AMEX about this several times. They assure me that " I have always been reported in good standing '', but have referred me to their Department of Credit Bureau Unit ( DCBU ) at XXXX several times to confirm this information. When I speak to the DCBU at Amex, however, I am speaking to someone in XXXX who interrupts, seems agitated, and today sent me back to AMEX customer service without asking permission when I protested their response. The response they give is very different than what AMEX customer service gives me. While customer service assures me I am in good standing, DCBU says I have gone over limit and that is why I was reported. It is important to point out that my husband and I requested a credit limit at AMEX of {$1400.00} on the advice of our financial advisor to help curb spending. We were not told we would be allowed to go over that amount. Several times ( notably the XX/XX/XXXX and XX/XX/XXXX occasions ) they allowed us to spend more than {$1400.00}. In other words, while we thought we would be stopped at the point of purchase, AMEX allowed us to exceed the limit. This is why the negative reporting is unfair. In good faith we asked to have our spending on AMEX limited, yet they did not follow through with that promise. Only recently in an earlier call this month ( XXXX XXXX, I believe ) did AMEX tell me I must request a 'block ' be applied to our account once we reach the {$1400.00} limit in order to freeze spending beyond that point. I requested this on XXXX XXXX. This was too late, however, to avoid the negative information to the credit reporting agencies. My goal is to remove all unfair negative remarks to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting 5 collection accounts that do not belong to me & must be deleted immediately, under FCRA EQUIFAX failed to timely investigate the dispute & provide proper procedure to handle the dispute. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$500.00} XXXX   # XXXX {$100.00} XXXX # XXXX {$270.00} XXXX # XXXX {$860.00}
Product: Mortgage

Ocwen LN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Short sale was started XX/XX/18 with Ocwen. 

XX/XX/18 Borrower was approved for a loan modification. As per Ocwens request the borrower responded on XX/XX/18 with a signed letter declining the loan mod and requesting a short sale. 

Per federal guidelines, this file should have been rolled immediately into a short sale. Ocwen is refusing to do this. Instead, they are requiring a brand new complete financial package from the borrower, and they are blaming this on investor as an investor requirement. 

This is not legal. This is NOT acceptable. 

In addition, Ocwens employees in XXXX have no idea what a self-directed IRA is, and are refusing to acknowledge this as a viable option for a buyer to purchase a property. Instead they are requiring XXXX documents. We have explained several times to Ocwen that this is a self-directed IRA and not an XXXX. Ocwens employees in XXXX are still refusing to move forward without XXXX docs. 

Ocwen is allowing people in a third-world country that can not properly read, write and speak English and have NO knowledge of how transactions are handled in the United States to make decisions that are affecting their clients ( I believe our experiences with Ocwen are very similar to what thousands of Californians have experienced in the past and almost led to Ocwen being banned from doing business in this State ). This is also NOT acceptable. 

I want the federal guidelines to be adhered to and this to be immediately rolled into a short sale with no further illegal action or investor-blaming on the part of Ocwen. 

I also want to know who the investor is immediately, so that we may file a federal complaint against them as well, for allowing their servicer to commit these illegal acts. 

CC : California Attorney General XXXX XXXX
Product: Debt collection

I had identity theft been awful! Most things have been removed been a long process! I have tried with company several times they keep saying mine sent police report evidence in hospital at time my health is bad just stressful not mine I dont even know what it is never heard of it! Only XXXX dollars not mine though.please help me
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Address For your reference, I will attach a copy of my ID and proof of address to facilitate this change.
Product: Vehicle loan or lease

This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XXXX XXXX requesting an audit trail. I still have not received a response from this company. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.
Product: Debt collection

Company refused to remove an alleged account for XXXX aparmtnets. They could not vailidate the debt by providing a contract with my signature according to FCRA guidelines. Because of their refusal to remove the unvalidated account, I agreed to pay the amount in return for deletion. The company took my payment and refused to remove the unvalidated account. Their customer service representatives and managers have been rude and not helpful during this entire process.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights . Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

On XXXX I closed my Destiny credit card account number ending in XXXX with Genesis Card Services. On XXXX Genesis Card Services mailed me a letter confirming the account is closed. Today, XXXX, I received an email stating I have a new monthly statement available for account number ending in XXXX. Until today, I have not received any mail or emails from Genesis or Destiny. When I called, I was given an excuse that makes XXXX sense to me. The agent stated that the card was about to expire and the new account number was for the new card. The account was opened in XXXX of XXXX and was less than a year old. When I told the agent that what they were telling me made no sense, they said someone would be calling me back and hung up.
Product: Mortgage

On XX/XX/2019, I entered my personal information online at XXXX. I was inquiring into a Home Equity Line of Credit. I immediately began receiving calls and emails, but all companies were offering Refinance options, and not Home Equity Line of Credit options. I dismissed them all. 

On XX/XX/2019 at approximately XXXX, I received a call from Quicken Loans. The representative asked " Are you looking to refinance '', I advised, " no, I am looking for a Home Equity Line of Credit. '' The representative then said " We have several options for you, all of your information did not come across from the web, would you please give me your date of birth ''. I provided my date of birth, and advised the representative " Do not run a credit check ''. The representative proceeded to discuss refinance options, and I began receiving notifications that he had just ran my credit without authorization. 

The representative maliciously ran my credit without authorization. This hit to my credit report will be history for the next two years. The entire call was recorded by the representative. I have taken out automobile loans, mortgages, and credit cards previously, and was always asked/warned before an attempt to run my credit was in process.
Product: Debt collection

REFUSED TO GET BACK TO ME THESE ACCOUNTS ARE NOT MINE
Product: Student loan

I have been trying to get in contact with Aidvantage Customer Service for a few days now. I checked on the website to see if they were closed just in case, and their site specifically says, " Please note that our contact center will be closing at XXXXXXXX XXXX XXXX on XX/XX/XXXX and re-opening to normal business hours on XX/XX/XXXX, " so they are open today and tomorrow. However, every single time I am transferred I am automatically disconnected. This has happened a total of 5 times now. There was even a point where I finally got a hold of someone and they just hung up on me. I am trying to cancel my loan consolidation request and according to the letter I received in the mail from them, I have XXXX business days. I'm coming up on that and I have been desperately trying to get in contact with someone at Aidvantage to cancel my loan consolidation. I'm not even an official customer yet and this is very scary. I do believe this is deliberate among the other terrible things I have been hearing and reading about this company. If somebody can just help me cancel my loan consolidation request, I would greatly appreciate. That's all I want...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name/Account # * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andwells fargo and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and XXXX this and transunion and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXXXXXX the Law Firm of XXXXXXXX issued a payment to my PayPal account in the amount of {$130.00} for my portion of a class action settlement against XXXX XXXX XXXX PayPal, though its servicing bank, Synchrony Bank, misapplied the payment and refused to make the necessary adjustment to apply the payment to its rightful location my account. I filed a dispute with PayPal/Synchrony ( PayPal ) which went nowhere for several weeks. 
After XXXX months, PayPal finally processed the refund, only to reverse it without justification on XX/XX/XXXX. 
This is not the first issue I have had with Synchrony Bank. Refer to CFPB Case No. XXXX XXXX in which Synchrony erroneously posted a hard inquiry to my XXXX credit profile, causing an erosion to my credit score, subsequently acknowledged this error yet refused to remove the inquiry.

There is a SERIOUS issue with Synchrony Banks accounting/controls and I am being victimized as a direct consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit bureaus on    XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would provi de proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.
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 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 or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023
Product: Mortgage

M y Father passed, and I took over a Real Estate prop erty he owned in Arizona. For the last 8 months, I have been dealing with  two  Mortgage Service Companies, who have violated Federal Successor In Interest laws on Several Counts. The property had  two  mortgages. The primary Mortgage is current, and I am " allowed '' to make the payments. However, I am being told that I have no authority over this primary mortgage. Only the PR for my  Father 's Estate h as authority. IE I ca n't even change the mailing address for the notifications for this mortgage, " because my name is not on the loan ''.     XXXX   XXXX   XXXX   XXXX  , violated severa l Federal Laws,  and it was not found in due time due to these violations. This   XXXX   XXXX   XXXX  , was notified as soon as the Mortgage was found. They refused to speak to me - the  Successor In Interest, "  because my name was not on the loan '' and they had already " closed out '' ie, foreclosed on this mortgage. Their stance was " They had closed out this mortgage, and were not pursuing it at this time ''. In effect, the property was not lost, but a  Title Deed Filing Lein Remains Intact  for this property for this mortgage!