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

*** THIS IS MY THIRD AND FINAL TIME SUBMITTING THIS DISPUTE AFTER THIS I WILL FILE A LAWSUIT AGAINST THE CONSUMER REPORTING AGENCIES *** During XXXX ALL OF MY PERSONAL INFORMATION WAS EXPOSED IN THE XXXX DATA BREACH. This includes but is not limited to my social security number, phone number, date of birth, and address. I recently checked my consumer report in XX/XX/XXXX and found there to be multiple fraudulent accounts that were opened in my name as well as fraudulent addresses that are appearing on my consumer reports. I have filed multiple disputes with all XXXX reporting agencies, the only agency to correct my report was XXXX. Transunion and Experian both refuse to update and correct my reports. Instead, they have sent me notices stating the DATA FURNISHERS HAVE VERIFIED THE INFORMATION. This creates an issue as they do not elaborate on what information was used to verify these fraudulent accounts and addresses. Since I am a victim of identity theft, ANY INFORMATION THAT COULD BE USED TO VERIFY ANY FRAUDULENT ACCOUNT IS COMPROMISED AND NEGLIGENT AS IT IS NOT MY INFORMATION. I have also sent proof of identity and my address. I am not required by law to have a state-issued ID or Driver 's License with an address listed, which they asked for, I instead sent a copy of my US Passport and my insurance bill which has my address listed, but they denied this certified information. I have also tried to contact the reporting agencies by phone to speak with a representative but to no avail, I was unable to reach or speak to anyone because of their automated system. This has been very frustrating and inconvenient. The reporting agencies have also allowed the data furnishers to update and re-add accounts that were removed due to the fraud, this DIRECTLY VIOLATES 15US CODE 1681C-2, which states to REMOVE and BLOCK fraudulent accounts listed in an identity theft report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX. 

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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : XXXX XXXX for XXXX XXXX and XXXX under 15 U.S.C. 1681-O Dear CFBP I am writing to formally dispute certain information that has been reported to you in my credit file. As per 15 U.S.C. 1681-O of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate investigation and rectification of the non-compliant and negligent practices related to my credit report. 

The specific issues I am disputing are as follows : Inaccurate Reporting of : Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX al XXXX should not be on my credit report. XXXX reported XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 inquiries that

I don't hold an account with according to Fair credit reporting act 15 USC 1681i ( a ), 15 USC 1681 ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B. The account referenced above shows inaccurate reporting t
hat I believe violates the legal standards for accuracy and compliance outlined under the FCRA. The discrepancy involves [ describe the nature of the issue, e.g., incorrect balance, erroneous late payment, etc. ].

Failure to Correct Information Following Prior Disputes : Despite prior attempts to dispute this information, it has not been corrected, as required by law. Under the provisions of FCRA 1681i, you are legally obligated to investigate and correct any erroneous information within a timely manner ( usually 30 days ). However, this matter remains unresolved.

Negligent Handling of My Personal Data : I have reason to believe that your handling of my personal information, as outlined under FCRA 1681e, may be in violation of the legal standards for maintaining accuracy and updating records, resulting in harm to my creditworthiness and financial reputation.

As per 15 U.S.C. 1681-O, I request the following actions be taken immediately : An expedited investigation into the accuracy of the disputed items.

Correction of all inaccurate and non-compliant information.

A written response confirming that all issues have been addressed and corrected.

Please also provide me with a copy of my corrected credit report reflecting the necessary amendments after the investigation is concluded. If you fail to comply with these legal obligations, I will be forced to seek further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other remedies under the FCRA.

I appreciate your prompt attention to this matter and expect a resolution within the time frame set by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, opened an internet-only XXXX XXXX  account XXXX XXXX XXXX  is an online-only bank of Texas Capital Bank XXXX headquartered in XXXX, Texas. 

On XX/XX/XXXX, successfully linked new XXXX XXXX  account to another personal banking external account and accomplished test deposits between the two accounts. 

On XX/XX/XXXX, while trying to sign on to new XXXX account, while receiving the access code via smartphone, I received another call and ended the access code call. Later in the day, when I attempted to sign on to the XXXX XXXX  account, I received the following message : " This Login ID is currently disabled. Please contact your financial institution to re-enable this Login ID. '' I immediately called XXXX XXXX  Customer Support and the CSR indicated she was " filing a case with Internal Tech Support ''. 

On XX/XX/XXXX, I again called XXXX XXXX Customer Support to try to receive an update on the situation as it had not been resolved and I was still unable to access my account. The CSR indicated there was " a pending case with Internal Tech Support '' and she would attempt to escalate it and would call me ASAP. 

On XX/XX/XXXX, per the XXXX XXXX Terms of Service, I wrote a letter requesting the account be closed and the balance of the account mailed to me at the address on file. 

As of this date, XX/XX/XXXX, I have not received the requested funds. I have no indication the account has been closed. I am still not able to access the account online. I simply want the account closed, the balance remitted and be able to put XXXX XXXX  in my rearview mirror. 

I hope CFPB can help me accomplish this as soon as possible.
Product: Credit reporting or other personal consumer reports

I tried to cancel my Experian membership and when I log in it wont let me cancel u less I send them XXXX today and when I call their help line and request to cancel membership it goes in circles asking what about membership and just repeats itself to what I say.
Product: Mortgage

Please answer the following questions. 1st, did Ocwen attorney provide a Deed of Trust agreement with XXXX XXXX XXXX, a modification agreement between XXXX XXXX XXXX, an assignment of Deed of Trust to XXXX XXXX XXXX and a full reconveyance by XXXX on behalf of XXXX XXXX XXXX with the response letter? Yes or No! 2nd, since Ocwen is a member of XXXX, where does it state within XXXX rules of membership that investors give XXXX  full authority to sell or transfer an asset without the current investors knowledge or approval? Please provide documentation! 

On XX/XX/XXXX, we sent Ocwen Loan Servicing a certified letter # XXXX requesting information for our home mortgage. Ocwen forward this letter to there attorney, XXXX XXXX from XXXX XXXX law firm here in XXXX XXXX Nevada. Ocwen/the attorney provided a letter with the following documents, the Deed of Trust with XXXX XXXX XXXX dated XX/XX/XXXX, a modification agreement with XXXX XXXX XXXX dated XX/XX/XXXX, an assignment of Deed of trust from XXXX XXXX to XXXX XXXX XXXX and a substitution of trustee, full reconveyance from XXXX XXXX XXXX on behalf of XXXX XXXX DBA XXXX XXXX XXXX, instrument # XXXX. Now, in the letter, I asked Ocwen two questions, the attorney responded to question 1 but failed to answer question 2, why? I asked Ocwen on question 2, where does it state within XXXX rules of membership that investors give XXXX full authority to sell or transfer an asset without the current investors knowledge or approval? Now, we request the following questions to be answered by Ocwen. Ocwen must provide the answers to our questions to their attorney so they can respond. 
Documentation is provided within the documents section. Note : Federal and State agencies can request a printed version of XXXX rules of membership from us or go to XXXX website at XXXX of membership to view XXXX investor requirements.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXX XXXX XXXX XXXX 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, XXXX and Equifax. Ultimately, I hired an attorney to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX ACCOUNT XXXX $ XXXX $ XXXX {$420.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX  XXXX XXXX on equifax
Product: Credit card

On XX/XX/XXXX I made a purchase on XXXX the purchase was fulfilled by XXXX XXXX. I was given the option to pay with affirm credit card in the amount of nearly {$500.00}. There were XXXX add on services included in the amount of {$500.00}. XXXX of the services was XXXX XXXX  and the other was XXXX XXXX XXXX coverage. My item was delivered on XX/XX/2024. A XXXX XXXX  was assigned to the task of assembling the item. It's unclear to me if the item was delivered damaged or if the XXXX XXXX  did not assemble it correctly and damaged it. When I arrived home I inspected the furniture and realized it was damaged. My item was also missing parts like bolts and screws that should have been installed when being assembled. I contacted all the companies involved. I wanted to return the item XXXX and XXXX XXXX gave me the run around through emails and phone calls until my return window expired. I also tried filing a claim with my all state insurance protection policy and was told my item was not covered. I filed numerous claims through XXXX XXXX and received the run around again through email and phone calls. I filed a dispute with affirm so I would not have to pay nearly XXXX dollars for a damaged piece of furniture I could not use. I gave all necessary documents and evidence to affirm they ruled in the favor of XXXX stating I'm responsible for all future payments because I did not return the furniture by the return window. I contacted my bank and explained the problem they put a block on re occurring charges from affirm. Affirm has not yet reported this to the credit bureau yet that's why I'm contacting this company. I have been receiving emails from affirm demanding payment and they state that they will report my delinquent charges to the credit bureau and that my credit score with be negatively affected. I dont want my credit score to be impacted but I also don't want to pay for the damaged item At this point I'm not sure what steps I need to take to fix this issue.
Product: Vehicle loan or lease

I almost finishing paying my car loan with an interest for 22.95 % and we got charge three different times miscellaneous fee. XX/XX/XXXX {$300.00} -- misc. fee {$25.00}. XX/XX/XXXX {$500.00} -- misc. fee {$160.00} and {$25.00}. When I contacted customer service they toll me is because I paid by phone in XXXX, XXXX and XXXX. I told them that i never pay by phone that I always pay online. The response was that they do not give the customer any fees back. It is very annoying to contact Santander, you never received any good response. They charge excessive interest!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

This is my 10th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Company is reporting on all     XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX billed {$640.00} to our Capital One credit card without our authorization or agreement to this specific charge. We immediately contacted Capital One and made our dispute. 

On XX/XX/XXXX, Capital One sent us a letter about this dispute. We then called and again spoke to Capital One, who asked us to go ahead and still make a statement in writing even though we have spoken to Capital One for the second time about this dispute. 

On XX/XX/XXXX, we made the statement in writing and faxed it to Capital One per their instructions. 

On or about a week after sending in our letter, we called Capital One to follow up. Capital One stated that YES, THEY WILL DO TWO THINGS : ( 1 ) CREDIT BACK THE FULL AMOUNT {$640.00} TO THE CARD AND ( XXXX ) CAPITAL ONE WILL ISSUE A NEW CREDIT CARD NUMBER. 

On XX/XX/XXXX, we still did not see the two things that Capital One stated that they would do so we called to follow up. A representative of Capital One named XXXX stated that she did not know why they had not credited back the account for the amount as they had said they would, but she offered to give us a {$100.00} credit and that would be all she could do! Of course, we disagreed to this offer and promptly requested to close our account. We now file this complaint to CFPB in order to ask that the Capital One to reimburse the full amount of {$640.00}.
Product: Money transfer, virtual currency, or money service

I saw an ad for an apartment for rent and when I applied, I was approved within the next day. I was given a routing number and account number to send the deposit ( {$1300.00} ) but was refused to see the property. The scammer used an old lease agreement and his name was not in any of the documents. The name of the bank account I wired money to also did not match any of the names on the paperwork. This ad was posted on switchboard platform for my local college.
Product: Debt collection

I received a call with a voicemail on Friday, XX/XX/XXXX at 8:45 AM from the phone number XXXX stating that it was an important message from Fairway Capital from a debt collector and to please call XXXX. I received another call on Monday, XX/XX/XXXX at 8:10 AM from XXXX stating they were a debt collector reaching out about an unpaid balance from the XXXX XXXX XXXX of {$400.00}. I told them that this was unlikely as I was just at the clinic and I did not have any unpaid balances. I let them know I would verify with the clinic. I called the XXXX XXXX XXXX at 8:11 AM and let them know what happened. They verified I did not have any debts or unpaid balances on my account and would make a note that I was contacted about this.
Product: Debt collection

I sent out multiple validation letters asking for prompt response and documentation with my signature, right to collect debt, license to collect debt in order to make an informed decision on whether this debt is mine. Convergent Outsourcing, Inc never provided any of requested info. XXXX didn't do a proper investigation. They basically verified this debt based information in their system. 
Letter sent to Convergent Outsourcing, Inc on XX/XX/2021 and XX/XX/2021. Phone conversation with XXXX representative on XX/XX/2021. XXXX verified a collection without the collection agency validing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.