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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - {$3200.00} XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX  {$1400.00} These accounts do not belong to me.
Product: Credit card

I Joined XXXX XXXX Military XX/XX/2003 and am XXXX XXXX  XXXX XXXX Military I am a Louisiana Resident and maintain residency there while XXXX XXXXXXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana SRCA. I would like that money paid over the interest limit refunded to me. XXXX XXXX XXXX XXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military XXXX XXXX XXXX XXXX if you need any other documents please reach out.
Product: Mortgage

Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!
Product: Credit card or prepaid card

Ive received my government benefits onto the American Express Serve Card & my  account was immediately closed due to to sec 15 ( d ) which Ive never violated. {$11000.00} is whats sitting in my account still after two weeks & theyre saying its no way I can receive my money which is total bs!! I have bills to pay & kids to feed & to me it seems heavy that American Express does what they want to do with peoples hard earned money. If this doesnt get resolved Im going to the news with it & then to the president.
Product: Mortgage

On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Consumer Report from Transunion dated XX/XX/2023. I noticed 5 pages of Inquires on my consumer report from unknow sources, that I did not consent to, nor benefit from any of the following inquires. along with inacurate dates and account info. block and remove them please. All Promotional Inquiries, All Checking Account And Demand Deposit Account ( DDA ) Activity Inquiries, All Supplement Consumer Credit Information Inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing incorrect information on my credit report from addresses that do not belong to me that are linked to accounts that do not belong to me and the results came back from the investigation stating the account has been updated. I tired calling in several times but still no luck. I told them that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Capital one direct deposit issue Dates XXXX XXXX XXXX Amount of my check {$750.00}
Product: Mortgage

After filing a complaint via cfpb against Mr. Cooper Mortgage in XX/XX/2019, I was verbally, and in writing, told our initial new mortgage payment would begin XX/XX/2019. However, today, XX/XX/2019 I received via US Mail a statement that reflects the initial mortgage payment listed as XX/XX/2019 ... that's today! 
Below is an extract of their response from the previous " bankruptcy '' complaint I filed in XX/XX/2019. 

" After review, we have confirmed that you did not file for chapter XXXX bankruptcy and will have the bankruptcy information and coding removed from the account. Also note that there will be no negative effect to the credit. The account currently shows as due for XX/XX/2019. " ( Complaint # XXXX ) Sadly, this is the second complaint I find it necessary to file prior to the initial payment with this company.
Product: Debt collection

I have sent numerous letters to XXXX XXXX and XXXX to have the following accounts removed from my credit report. 
unknown account # XXXX XXXX account # XXXX XXXX
Product: Debt collection

I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
Product: Credit card or prepaid card

I have called the phone number listed ( XXXX ) at various times to limit sharing of personal information, however, I am not able to input my choices and am told to call back at another time. There is no clear way to limit sharing of my personal information at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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 XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing my Experian credit report I see that my credit score had dropped and that is when I noticed that 2 XXXX credit card accounts with a debit balance have been added to my report that do not belong to me and in which incorrect names appear addresses that I do not recognize and in which I have never lived, as well as two telephone numbers that I do not recognize either, I think I am a victim of identity theft or a victim of erroneous information from Experian in your credit report, this information is affecting me since it It hurts to apply for my mortgage loan, I have been a very responsible person and I pay all my bills up to date and this is shown by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown on Experian. I request that this information be removed from my credit report : account info Account name XXXXXXXX XXXX account number XXXX ( I request to be removed from my Experian credit report ) Balance {$10000.00} ( I request to be removed from my Experian credit report ) Account name XXXX XXXX account number XXXX XXXX I request to be removed from my Experian credit report ) Balance {$9200.00} ( I request to be removed from my Experian credit report ) phones that do not belong to me ( XXXX ) XXXX ( I request to be removed from my Experian credit report ) XXXX XXXX ) XXXX ( I request to be removed from my Experian credit report ) addresses I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I request that all these addresses be removed from my Experian credit report )
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX - Account number XXXX XXXX XXXX  XXXX  - Original creditor : XXXX  - Account number XXXX XXXX XXXX  XXXX XXXX XXXX - Original creditor XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect information listed on my credit report. Upon reviewing my credit file, I have identified a significant error that I believe is negatively impacting my credit score and unfairly misrepresenting my financial history.
Product: Credit card or prepaid card

I'm blocked from my online access and app because I don't have a phone number in my name. The customer service representative changed my address without my permission and they refused to change it back all because I don't have a phone number in my name.
Product: Credit card or prepaid card

American Express is REFUSING to activate my card ending in XXXX XXXX XXXX on the front ends with XXXX and code on the back ends with XXXX ) because I forgot what email address I used to ATTEMPT to activate it when I first got it. 

I was able to, and CAN provide them with my DOB, SS #, multiple numbers on the card front and back, mailing and physical addresses, etc. But they are XXXX refusing to activate the card that I have now. 

They are running a SCAM to the extent that they are FORCING me ( and other consumers like I ) to buy another card so that they can generate MORE money from these replacement, substitute cards and start the activation process ALL OVER from scratch!
Product: Credit reporting or other personal consumer reports

XXXX of XXXX bank continue to report incorrect information. In XX/XX/2023 they accepted a payment agreement with XXXX of XXXX. The amount submitted by XXXX or XXXX was {$81.00}, synchrony bank accepted this with a note that they wanted to chnage the amount. 

As per XXXX of XXXX that is the incorrect way to do it as its accepted in the system. XXXX bank should have declined the proposal and submitted a new one. XXXX of XXXX said that XXXX is aware of the correct way to ask for a payment change and the error was on their end as they accepted the proposal. Each month I made payment to XXXX of XXXX and it was made to XXXX bank for the accepted proposal. XXXX bank made the mistake. XXXX of XXXX contacted XXXX bank, they realized what the error was and I was told I didnt need to pay the past due as it was XXXX XXXX XXXXXXXX they were going I fix in their system. XXXX did fix my credit report that month but didnt update their system. 

I have the correspondence between synchrony including proof they accepted the {$81.00} proposal, adding a note of different payment is not the correct way to do it, they had to decline the proposal. If this is not fixed on my credit report I will be contacting a consumer credit lawyer.
Product: Student loan

Navient, formerly Sallie Mae has several missteps within my loan process. When signing the loan, I was notified that having a cosigner would significantly reduce interest. Upon signing the loan, the interest rate was reverted back to the pre cosigner percentage. In XX/XX/XXXX we contacted navient to correct this issue and we're notified that wasn't the case and we were locked into the rate we had. Which is variable, not the low fixed rate as discussed. Moving through to repayment, immediately after graduation I was notified forbareance was my only option when. Struggling to make payments. This was XX/XX/XXXX. After the forbareance period, my loan pricipal balance was inflated to double the original loan amount. After 10 years of repayment, my balance is still over the original loan balances. Being more knowledgeable now about the student loan practices of navient I have discovered many options were available to me for both my public and private loans. This means, my current student loans would be either completed or within 5 years of being paid off rather then the 11 I currently have. I have payment the entired Original balance of my loans and not paying the accrued interest due to mispractices and mis represenations of repayment options and interest rates. In XX/XX/XXXX, I contacted navient for copies of my original loan docs as well as signed promissory note, which the request was denied, further complicating and creating duress on my relationship with the company. They have never been helpful or willing to assist in any Information gathering to allow me to understand the interest rate/cosigner discount that was marketed prior to taking the loan.
Product: Mortgage

i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

conns appliance is reporting late payments for XXXX2020 and XXXXXXXX  in the amount of {$140.00} for each month i sent conns copies of my bank statement several times and called a dozen times.they pass me to different departments, put me on hold for long periods of time.so i sent copies by mail to each credit bureau they say the information is accurate.how can it be accurate if i sent bank statements showing the money taken out for my payments.also conns shows on my account page im paid one month in advance so how can i be late and paid in advance that makes no since.i am attaching bank statements proving im not late.