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

My husband and I purchased a 5th wheel RV thru XXXX XXXX XXXX in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.
Product: Mortgage

Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.
Product: Vehicle loan or lease

My credit is Bad and I know it is. I seen my XXXX and decided to inguire about. So the lady said if I had enough down no problem. Well I got approved on spot and I told her I be back the following week with down and I gave XXXX. Her Dad told me verbally 6 % on XXXX. Well it 23. % and I could have paid cash at the time but wanted to work on credit. XXXX XXXX XXXX is XXXX to XXXX max and I agreed to price because of verbal rate, any way XXXX in interest 4 years please help, I love the car but this is crazy
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a late payment & not sure why. I made two recent payment on XX/XX/year> & XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car dealership ran multiple unauthorized hard inquiries without me being there on the XXXX of XXXX and on the XXXX and XXXX.
Product: Credit reporting

I have been a victim of Identity Theft. I discovered this when I just recently checked my credit report and it is affecting me from applying to banks because of my credit score being lowered drastically. Please look into this right away. Thank you.
Product: Checking or savings account

Bank charged me fees and refused to honer the disputes for the charges that were multiply posted, and refused to dispute items I never received and with their overdraft coverage and fees i am now XXXX. 
I want to close the account and work out a payment arrangement but they wont let me. 
I live off XXXX a month in social security so even if they sue me and get a judgement they wont receive anything and I'll just file bankruptcy again in 8 years. But I would like to try and fix this. They also wont remove my sister from the account as she had nothing to do with this and is not responsible and they wont close the account cause it's negative and they will keep accruing fees, I don't know how they let this account overdraft XXXX when they know I only receive XXXX in social security benefits. I think they did this to be try and sue me and get a judgement to try and take any assets I have ( which I have none, I own nothing, everything i use belongs to my father ) I need help working with these people from PNC.
Product: Credit reporting or other personal consumer reports

I ASK EXPERIAN TO UPDATE MY ADDRESS TO THE CURRENT ADDRESS THAT SHOWS ON MY BANK STATEMENT NO OLD ADDRESS ONLY ONE ADRESS ONLY THEY REDUSED TO UPDATE MY CREDIT REPORT IN THE CONSUMER LAW RIGHTS MY CREDIT REPORT POST TO BE ACCURATE AND COMPLETE THAT IS A VIOLATION THERE ARE TWO ADDRESS DON'T B TO BE ELONGS ON MY REPORT NEEDS TO BE REMOVE ALSO ON THE CONSUMER FAIR LAW ACT AND A CREDIT REPORT NEED TO BE ACCURATE AND COMPLETE IM UPLOADING A COPY OF THE MOST RECENT CREDIT REPORT T ASK THEM TO UPDATE THIS ADDRESS IN XXXX AND THEY DIDNT IT BEEN OVER 40 DAYS THAT IS ALSO A VIOLATION UNDER MY CONSUMER LAW RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 

Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( 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 XXXX ( 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 XXXX 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: Debt collection

These accounts were fraudulently open in my name I've sent in police report ftc report proof of identification proof of address to the credit bureaus and contacted the creditors and notified them of the identity theft as well I demand these accounts be removed if not already removed from my credit report I do not authorize any third party information on my consumer report
Product: Credit reporting or other personal consumer reports

I had XXXX repossesions with XXXX XXXX XXXX XXXX both accounts are being reported incorrectly to the XXXX credit bureaus. I would like closed dates and charged off dates verified by XXXX XXXX XXXX XXXX XXXX 
i have disputed these issues in the past and the only the thing that happens is they update the closed or charged off date to the current month and year of when they receive my complaint. How is this legal! 
last payment on both of these accounts was XXXX of XXXX and charged off in XXXX they are reporting charged off dates of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 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

LVNV Funding, LLC at XXXX XXXX  XXXX XXXX, SC XXXX, has reported an account on my credit report with a balance of {$870.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. Resurgent Capital Services claims to manage the account but LVNV Funding, LLC still owns it and is the one reporting it. I do not do business with either of them. 


- NO CONTRACT
Product: Mortgage

I have a conventional loan with loandepot and want to refinance. For that, I have been trying to get payoff statement but being denied the statement. I have emailed to the customer services as well as tried to contact the phone number provided but no one respond to the numbers or not able to reach customer service. Bacause of that my refinance application is being delayed unnecessarily and causing me financial loss in the form of higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/2022monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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

THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I have been dealing with an issue with Community Choice Financial , Inc ( CCFI ) for almost two years now. The issues and time lines have been addressed previously in CFPB complaint number XXXX. At the conclusion of the complaint, CCFI responded to the complaint asking for me to reach out to a XXXX.XXXX at XXXX x XXXX. I have reached out to XXXX XXXX several times and left messages with no repsonse. Additionally, I have attempted to reach XXXX XXXX by speaking with employees at CCFI asking if they could transfer me to him. Every time I have talked with someone at CCFI, they do not transfer me, they terminate the call resulting in my need to call back repeatedly. I have done this continuously and received the same result, " Hang Up! '' Not only does this make it extremely difficult to resolve the account, it is extremely frustrating and makes me anxious. 

Also in the Company response from CFPB complaint number XXXX, XXXX said they had successfully recalled the collection accounts from XXXX, XXXX XXXX XXXX so the account could be handled internally. Instead of communicating with me like they suggested ; they wo n't return calls, hang up on me repeatedly and then turn around and reassigned my account back out with another collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I see all of their practices in this matter to be harassing and misleading. During this time I have not been able to speak with someone my account has over doubled. There is no interest from CCFI to resolve the matter because they had been charging a usury interest rate that I will not be able to ever resolve. I have paid back nearly twice as much as I borrowed when this whole matter started. 

In the interest of resolving this matter, I request this matter be closed and the account be satisfied. CCFI is a large company that has deep pockets to oppress and corner me. It makes me sick and anxious to think about this matter. I have more than paid back the monies and then some, but they will not take my calls, so the balance can quadruple. I request the response from CCFI be a resolution to this matter, not a request for a call. 

Respectfully, XXXX XXXX XXXX
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. 

XXXX XXXX XXXX, XXXX 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 1666B : States : 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 received a letter from American Coradius International LLC, on XX/XX/2022. The letter identifies them as a debt collector, and provides three pieces of information : 1. that I owe XXXX ' XXXX 2. An account number that is extremely long and that I have never seen before ( in the last XXXX years ), and nor does XXXX understand the format of the account number and 3. that I owe {$40.00} and they would be happy to take my payment. 

The letter has no website listed, and they are not currently answering the phone number provided on the letter. ( XXXX ) They do cite www.cfpb.cov as a place to understand rights. 

I have also called XXXX and they are not familiar with this agency, nor do they consider any of my XXXX accounts in anything other than a perfect standing. 

Given the shady nature of this message and lack of real information I do not feel its appropriate to add any of my personal information to their 'form ' and mail something back to them. How can I understand if this is real without losing my personal information and being scammed?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Consumer Loan

The interest rate which I am charged is through the roof!!!!!!! I know my credit score was not the greatest but the amount of interest they are charging me is going to end up passing the amount of what the car is worth. ITS ABSURD!!!!!!!!!
Product: Mortgage

I have been in touch with several Ocwen representatives over the last 7 weeks in an attempt to take the necessary actions to remove the PMI on my account. I have been given different information by each associate and my requests for a valuation, personal appraiser requirements, timing, and payoff have gone unanswered ( note : I have a full record of the associates, dates and information I was given if requested ). I have made formal requests via email and US mail. None of the responses to my letters addressed my actual requests and each time I called the customer care line I was given the run around. It truly seems as if the associates are trained to be misleading and provide limited information and assistance so that Ocwen can benefit by continuing to receive financial rewards. In my most recent letter to Ocwen, sent via email and US post on XXXX/XXXX/15, I provided details and dates of all of my calls and requested in writing the following information. 
1. Cost and timing for completion of an Ocwen-managed valuation. 
2. Confirmation that Ocwen will accept private appraisals, and if so, which vendors must be used. ( I was told by a few associates that a private appraisal was acceptable however I received a letter from Ocwen dated XXXX XXXX, 2015 that states " If requested me must receive a current property valuation procured through OUR vendor '' ). 
3. The date that the principal would meet the criteria ( LTV = 80 % ) to remove the PMI if I continue to make standard payments. 
4. What is the current amount that, if paid immediately, will permit the removal of PMI from my mortgage. 
5. The name of a contact at Ocwen, located in XXXX XXXX XXXX, FL, that I can contact directly for assistance with this process. 
Again, I have received no response to this request.