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

the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681o for negligence and non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX XXXX Subject : Notice of Dispute and Legal Non-Compliance under 15 U.S. Code 1681o Dear CFPB : I am writing to formally dispute and address negligence on your part in complying with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which governs civil liability for negligent non-compliance. 

The issue pertains to credit reporting problems with Equifax, XXXX, XXXX XXXX XXXX XXXX  XXXX. I believe your actionsor lack thereofconstitute a negligent violation of the FCRA, resulting in [ specific harm, such as financial loss, emotional distress, or damage to your credit report ]. 

Facts Supporting My Claim : 1. Incident Details : I have reported to all 3 several times about problems with credit report, such as misinformation fraud and unknown open accounts in my name fraudulent and closed accounts that were sold off to debt collectors or paid and agreement with company only to still be showing on open and unresolved on my credit report 2. Your Obligations Under FCRA : As per the FCRA, you are required to correct inaccurate information, conducting proper investigations, oand or maintain compliance with reasonable procedures. 
3. Failure to Comply : Despite my initial dispute letter/calls, you have failed to investigate or correct the issue.

My Rights Under 15 U.S. Code 1681o : Under 1681o, you are liable for actual damages resulting from your negligence, including attorney fees and court costs, should legal action become necessary. The law obligates entities to act with reasonable care in ensuring the accuracy and proper handling of consumer information.

Resolution Requested : To resolve this matter, I am requesting the following : 1. Immediate correction of specific issue including removing negative and fraudulent accounts and correcting my credit report.

2. A detailed explanation of the actions taken to rectify the situation.

3. Compensation for damages incurred due to your negligence, as outlined under the FCRA. 

If I do not receive a satisfactory response within 30 days, I will be compelled to escalate this matter, including pursuing legal action to enforce my rights under 1681o.

I trust that you will treat this matter with urgency and take the necessary steps to address the negligence. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureau but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate THIS account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX in over draft fee XXXX XXXX XXXX  weekly over draft fee around XXXX. 
XXXX XXXX XXXX XXXX over draft fees JXXXX XXXX XXXX XXXX  over draft fee.

XXXX XXXX XXXX in over draft and XXXX in check fraud.

Then a bunch of {$1.00} fee for many transactions on top of that
Product: Credit reporting or other personal consumer reports

Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

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 am contacting your company because Trans Union and  XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Opened XX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both Trans Union and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX  account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information.
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. 

XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  card : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  # 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to desposit my direct desposity from my employer and any other incoming deposits. Capita One has cited technicial issues, which may violate the Eletronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about cunsumer protections laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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 an 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: Debt collection

I'm reaching out because I've requested the law firm to post my payment for last month that they cashed and posted it to someone else account they still trying to collect XXXX when it's XXXX or less because looking back I've made payments and who is to say they have applied correctly my account is XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WI XXXX
Product: Credit card or prepaid card

company is pulling my credit incorrectly i wanted a credit card from this company since my auto loan is with them.. second time i tried since the last time a customer service agent screwed me.. so they told me my credit score was XXXX ... and i know is not true. i filled a complaint. and the same store.. so i contacted XXXX XXXX ... way better bank and better rates.. to just forget about capital one. and applied for a car loan instant approval and they told me my credit score was XXXX!!!! i have there letter. i week later! even with the hit of capital one! ... i got approved to move my car loan with a lower rate to chase. 

capital one is a fraud. and there customer service is a joke. i dont know if this is a race thing but will do my research.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response from XXXX after discovering monthly charges for a service that was not requested nor needed, from : XXXX XXXX, Senior Escalations Manager, Legal & Compliance XXXX www.onetechnologies.net " Despite your suspicion that **** may have navigated to our website in error ( via click-bait ), and that she wouldve never submitted her personal information for our online product, I can assure you a member subscription in her name was purchased on XX/XX/XXXX at XXXX XXXX PT, and subsequently maintained for nearly four ( 4 ) years '' at a cost of {$29.00} per month " For the record, **** subscribed to XXXX via marketing website, XXXX ; my original response erred in identifying the domain extension as .com. Nevertheless, the site it is owned by One Technologies, although not one in regular use in XXXX. '' The website, ( XXXX ), provided in your original email is not valid and is for sale thru XXXX XXXX. 

" Whether or not *** believes she was responsible for establishing her XXXX membership in XXXX, she does bear accountability in allowing it to remain active for the ensuing 45 months, in which multiple credit services were provided to her, at cost. '' Any emails sent would have been identified as SPAM and being an elderly person, would not have been reviewed. 

" After reevaluation, Ive afforded *** two additional refunds of {$29.00}, which now gives her a 120-day reimbursement covering all four months she was billed in XXXX. '' This leaves a balance of {$1200.00} for services not requested nor needed by someone with excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM MERCEDES BENZ FINANCIAL and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from XXXX buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a XXXX XXXX. On the morning of XX/XX/XXXX, I noticed another hard inquiry from TD Bank XXXX/Target on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX & XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$280.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report. 
Additionally, due to the Experian Data Breach, I am concerned about potential fraudulent activity affecting my credit profile. Given this breach, any unverifiable or incorrect accounts must be removed from my report as mandated by federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), providing misleading or inaccurate debt information violates consumer protection laws. The presence of unverifiable items on my credit report constitutes deceptive and unfair practices.
Product: Mortgage

Following our request for a payoff, RoundPoint Mortgage Servicing provided us a Payoff Statement of the subject loan on our house on XX/XX/2022, with a payoff date of on or before XX/XX/2022. On XX/XX/2022, the loan was timely paid in full with a payoff of {$480000.00}. 

Despite our requests RoundPoint Mortgage Servicing has failed and/or refused to provide to us or record a Satisfaction or Release of the subject mortgage even though they were paid in full with the full amount requested of {$480000.00}. 

We have now been informed that after being paid in full on XX/XX/2022, RoundPoint Mortgage Servicing fraudulently sold or transferred our consumer loan to XXXX Mortgage who is now seeking double payments and damaging our credit. We have demanded a Satisfaction or Release of Mortgage from Freedom Mortgage in addition to RoundPoint while showing the Payoff and Wire Transfer in the amount requested in the Payoff to both lenders with no response. 

In fact, after overpaying 7 days of interest and after an insurance escrow refund, XXXX XXXX and XXXX XXXX are owed a refund of {$1600.00}.
Product: Checking or savings account

Incorrectly charged bank fees, unable to get business loan with good credit score due to discrimination.
Product: Student loan

Navient per say is not the problem, they are adequately handling the loan in my opinion. My problem is that Im still in school. Im pursuing a federally funded XXXX/XXXX degree at A public university and after 5 years of deferment I am no longer allowed to defer repayment. This is a large burden because I only make a XXXX student salary of approximately $ XXXX/month and the payment they are asking for is more than {$800.00}. I feel their should be federal protection for students pursuing a federally funded higher degree program to allow them to defer student loan payments until residency even if they are private. I feel in a way I am being punished for pursuing a combined degree simply because it takes 8 years to obtain as opposed to a traditional XXXX only program which takes 4 years. Is there any legislation that protects students like me earning higher degrees from private student loan conditions? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX Attached is the proof I owe 0 $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.