23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We asked for a loan modification inXX/XX/XXXX. InXX/XX/XXXX an employee O Northern Ohio Investment Company spoke with us regarding questions we had about our mortgage rate and sent us printouts of all payments dating back to XXXX the date of our mortgage and told us to go over them and call back with questions. We did exactly that and left 12 messages for her in a 15 day span. Then another employee telephoned and said she would process the loan modification. We asked for a HARP LOAN and were told at least 8 times we could not apply because we were behind and finally the employee got upset and said that our loan was still associated with XXXX XXXX and they do not process any HARP LOANS. From XXXX through XX/XX/XXXX they kept making excuses such as ; no reply from my husband 's employer ( he is more than agreeable and forthcoming to deny this ). Then came superfluous excuses. In XX/XX/XXXX we had applied for a Save the Dream money with the State of Ohio and given {$15000.00} but the printout showed they received {$25000.00}. When we started asking questions about this at the end ofXX/XX/XXXX and cutoff the original employee qho was trying to help us. They never let up on 9 % interest in all these years. They took advantage from day one when we applied in XX/XX/XXXX due to our circumstances. We had a XXXX XXXX in which we lost our XXXX year old granddaughter we were raising and everything we owned. Continuing we finally got a hold of a supervisor on XX/XX/XXXX who told us we were denied and then said " XXXX XXXX ''. Two days later he was no longer with the company. We believe we are involved in a predatory loan. On XX/XX/XXXX we received a letter stating we could file an appeal within 14 days we did so on XX/XX/XXXX. Now 69 days later no answer by mail, emails or regular or certified mail. Only one phone call when did we want to schedule a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to remove a chapter XXXX bankruptcy from XXXX  and Experian. Now they call the dispute frivolous. XXXX has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.
Product: Credit reporting or other personal consumer reports

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Debt collection

National Credit Adjust has reported a alleged collection account on all three of my credit reports. I have already taken care of this alleged debt with the former debt collector because this was a case of identity theft. Also this debt is past the statue of collectable as it is past seven ( 7 ) years. National Credit Adjust has not responded to my letters for validation of debt and has violated the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Product: Credit card or prepaid card

My credit score is excellent ( over XXXX XXXX. 

I am being charged with late fees on my BJ 's Mastercard issued by Comenity Capital Bank. 


On XX/XX/XXXX I paid {$100.00} toward the minimum payment of {$35.00} due on XX/XX/. I was charged a late fee of {$29.00}. 

OnXX/XX/XXXX, I paid {$100.00} toward the minimum payment due on XX/XX/XX/XX/XXXX I was charged another {$35.00} late fee.
Product: Debt collection

Hello COMPLETE CREDIT SOLUTION ; XXXX XXXX XXXX ; How are you happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

I have been using American Express XXXX XXXX since XXXX. However, on XX/XX/XXXX the bank lowered my credit balance without any notification after I used it to make a purchase online for {$7000.00} online. The merchant returned the transaction as failed due to the fact that American Express lowered my credit balance from XXXX to XXXX with a balance on it. I have made all my payments on time and had enough credit available before the bank decided to lower my credit balance without notice. I had an error on my credit bureau account which I have filed a dispute against. The bank cited that as a reason to lower my available credit. This has caused me undue hardship to make a financial transaction in spite of being a 100 % on-time customer with this bank. Moreover I am currently stationed on XXXX XXXX when they lowered my credit ability.
Product: Credit reporting

I ordered, based on the recommendation of my financial advisor, my FREE credit report from Experian. Unfortunately I did not notice the verbiage that said I must cancel a future subscription within a time period that I DID NOT REQUEST in the first place! I understand this is a marketing tactic, but I think it is obnoxious and misleading. They 're taking advantage of people dealing with their financial status when they 're busy and stressed and they get you because of all the verbiage. Please help me get them to do the right thing for the CONSUMER. They should at the very least, give people in this position a one time courtesy refund. Then we will know for next time to watch for this process. 
Thank you. 
XXXX XXXX
Product: Debt collection

I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.
Product: Credit card

Capital One withdrew from my XXXX bank account on XX/XX/year> without my authorization. This account has never been on any form of autopay. I contacted Capital One and according to them they could not do anything because the payment was processing. When I tried to stop payment with XXXX, they wanted to charge a {$30.00} stoppage fee to hold the processing payment.
Product: Payday loan, title loan, or personal loan

I was involved in a romance scam. As soon as I found out that I was being scammed, I went to my bank, closed my checking account, went to the police department, filed a report with them, came home and began calling credit bureaus to put a freeze, other accounts to close them down, etc. this all started the last week of XX/XX/2022. I ended up getting everything taken care of due to the fraud except for a Barclays Personal loan for {$15000.00}. It is now at {$15000.00}. I even had a barclays credit card that was written off as fraud. As of last week, I was told that I had to pay the personal loan because I had given this person my personal information. I DID NOT give this person permission to take out all of the money. Barclays told me that they couldnt do anything for me. That i was responsible. I contacted XXXX and spoke to a credit counselor. I was advised to contact you. Please help me. I feel that this is unfair! I was a victim of fraud.
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.

Has Violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Experian is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. see attachments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts that i have no business with attached to my report i need them removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested EQUIFAX to update my personal information they are reporting on my credit report however they have not done so or respond back to me requesting unnecessary required information in an attempt to stall or prevent me from updating the information they are reporting on my credit file. Equifax continues to report inaccurate information regarding my name, address 's ( that are nonmailable address 's ), phone number 's, employment and other information in regards to who I am. This false and unauthorized information Equifax continue 's to report on my credit reporting file has caused me so much stress, anxiety, denial of credit, hardship, lost of personal property, homelessness, the ability to find affordable and safe housing for myself and my family, and XXXX XXXX blocks on my rights to presue happiness on this journey called life we all are seeking. I have filed an identity theft report with the FTC and I am in the process of seeking approval for a new home. I need ALL of my credit reports to say the same thing across the board in order to raise my chances of being approved. As a consumer reporting agency Equifax has assumed a vital role in assembling and evaluating consumers credit and other information. According to 15 USC 1681-3 ( A ) ( i ) my report should not contain information solely as to transactions or experiences between the consumer and the person making the report. So how is it possible for you to verify anything you are reporting on my consumer credit file. Equifax is violating my federal protected consumer rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX XXXX. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  PLUS XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Product: Debt collection

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.
Product: Credit reporting

On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.
Product: Credit reporting or other personal consumer reports

Finances the car A XXXX XXXX XXXX  to reduce the cost and expense of XXXX XXXX  Fender damaged in XXXX XXXX XXXX XXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XXXX XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation XXXX XXXX XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX  Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early Warning Services is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. Early Warning is co-owned by Bank XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of XXXX. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

Early warning will not allow me to opt out of their services. per USC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Product: Mortgage

I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity. 

I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.
Product: Credit reporting or other personal consumer reports

I live in XXXX, Fl not Maryland. why is there a Maryland address attached to my credit file. Experian is the only reporting agency that's reporting this address. I reached out to them countless times. their saying its nothing they can do on their end. Reporting incorrect information on my reporting is a violation and i need this address deleted. XXXX XXXX XXXX