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

This account has been disputed several times. A identify theft complaints was made. I have contacted experian over 10 times and i have called and email this XXXX XXXX  company who is now refusing to resolve this issue. Their investigation was not through enough and are being dismissive and negligent. I have no knowledge of this account and i dont know how someone got my information and it needs to be looked into further. I have never own a credit card so how did this XXXX XXXX XXXX  get attached to my name. I have got notifications in the past about my email being flagged and its possible that was hacked Im not really sure. I just know i didnt do this and its not fair that i am paying the price for something i didnt do
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 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: Debt collection

In regards to Complaint XXXX, Express Recovery states that they sent a deletion request, however, both are marked " Draft '' clearly and the item is showing on my credit report. Express Recovery has had multiple opportunities to solve this issue, but has continued to not follow through or have the item removed. This shows complete disregard to the law and their promise that it was going to be removed. I have again, attached the original complaint and the " Draft '' request from Express. This item needs deleted today and compensation given to me for their violation and cost of me not being able to obtain credit because of their not getting the item removed as promised and in a timely manner. 
A " draft '' is not a removal, nor is that sufficient proof that it has been removed. This companies legal counsel needs to take immediate action.
Product: Mortgage

RE : Ocwen Loan No : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( Property Address ) Information contained on my credit report for XXXX and XXXX 2016 mortgage payments to Ocwen is blatantly inaccurate. First, I attempted to use its automated telephone system to make mortgage payments via " XXXX '' on the XXXX of each of the aforementioned months after XXXX However, when I prompted my personal identification information, I was not permitted to execute the mortgage payments. 
Ocwen mortgage payments are not accepted after XXXX or on the weekends, but will are credited the next business day. After the unsuccessful efforts to pay my mortgage, I was only able to make the payments the following weeks, but, beyond the thirty day payment period, i.e., XXXX XXXX and XXXX XXXX, respectively. 
However, if I was able to execute payments on XXXX and XXXX XXXX, as expected through its automated services, I would not have late payments for those two months on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. Please DELETE them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect a debt for PayPal Credit that is disputed because PayPal Credit has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from PayPal Credit ).

The debt is in dispute and is not substantiated by anything other than PayPal 's  dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against PayPal Credit in XX/XX/2015 and received {>= $1,000,000} from them ).
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Product: Debt collection

I received a collection notice that I never was aware of. I have no idea how or when this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a XXXX party or XXXX, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX Funding Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and XXXX XXXX XXXX with Each Account XXXX. The XXXX XXXX with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these XXXX details, please delete these accounts from my credit report. Thank you in advance.
Product: Debt collection

In XXXX of this year, I started receiving phone calls from One Advantage about a medical debt from XXXX XXXX in XXXX, VT. That debt was given to One Advantage because of some billing mistake on XXXX XXXX part, but even with the billing error, OneAdvantage was attempting to collect the entire bill including what had already been paid by insurance. 

After many phone calls and diligent effort by XXXX XXXX billing department, the mistake was discovered and One Advantage was notified.

Now, 5 months later in XXXX, One Advantage is attempting to collect the same debt again. I have called both XXXX and spoken One Advantage, but I am not interested in entering a medical debt collection cycle so I am submitting this CFPB complaint in hopes that these multiple " errors, '' all of which coincidentally favor OneAdvantage, can be corrected once and for all.
Product: Mortgage

Funds in the amount of {$450.00} and the required form to request removal of PMI based on current market value of my home were submitted AND process by the mortgage servicer, Shellpoint Mortgage Servicing, on XX/XX/XXXX. The servicer misapplied funds to principal only upon receipt. When I noticed this on my account XX/XX/XXXX I called to notify them of their error. Since that time, I have not received any calls or contact from an appraiser to complete the work. I made multiple follow up phone calls to address this and received a different story each time and was also told that they could not give me a name of the appraisal company selected. I also received a letter dated XX/XX/XXXX from Shellpoint indicating that I need to submit {$190.00} for a BPO to process PMI removal. This is obviously contradictory to the amount and form they already have on file. During one of my contacts with one of their customer service representatives on XX/XX/XXXX, I was informed that the servicer uses " XXXX XXXX XXXX which is also a XXXX XXXX approved automated valuation model tool and at that time I was asked what I thought my home value is, to which I answered $ XXXX, and she told me that value was accurate based on that. This amount is MORE than sufficient to remove PMI, yet Shellpoint has taken no action to date to remove PMI based on that value and I still have yet to be contacted by an appraiser. It has been SEVEN weeks since they logged my form and the funds clear my bank in XXXX. There is absolutely no reason for this process to be taking this long and I believe Shellpoint to be dragging this process out unnecessarily which is costing me money in PMI payments that should have been removed prior to today.
Product: Student loan

A loan was taken with Sallie Mae, account number XXXX, in XXXX. Complainant subsequently declared Chapter XXXX bankruptcy with this loan listed on the debt schedule, and Order of Discharge as issued on XX/XX/XXXX. 

The United States Fifth Circuit Court of Appeals Decision in Crocker, v. Navient Solutions, LLC, No. 18-20254, ( 5th Cir. November 21, 2019 ) states that such loans as the one mentioned above are dischargeable in bankruptcy. Therefore, this loan was discharged in bankruptcy on XX/XX/XXXX. The Respondent, Sallie Mae, the information regarding this loan was reported to credit bureaus as if it were not discharged. Many correspondences were sent to the Respondent informing them of their error, but no substantive response was received to these complaints. Respondent Sallie Mae was carbon copied on all disputes sent to the credit bureaus and was also noticed of these facts directly by letter. They are currently intentionally reporting the incorrect information right now despite the fact that this is a violation of the order of discharge and federal law. 

Any documentation or information regarding these incidents can be produced upon request. For your convenience, a copy of correspondence to and from Sallie Mae is included in an attached .zip file. Additionally, the .zip file contains a copy of any responses received and the bankruptcy Order of Discharge.
Product: Checking or savings account

i opened an account in early XXXX i received a 1099-INT form XX/XX/2023 stating i received {$200.00}. contacted wells fargo XX/XX/2023 to ask about this. i was told it was money for a promotional bonus. i never agreed to a bonus. & upon checking my statement from XXXX when theyre stating i received this {$200.00}. its no where to be found. the call was escalated. & the lady i spoke to was very rude & said i received the money so they couldnt help me. i repeated that i didnt agree & wasnt aware of a bonus. & she said to visit a branch so they could tell me the same thing. i told her to close my accounts & asked if i could speak to someone in regards to the lawsuit about this thats going on. & she got very hateful & stated there is no lawsuit & to get an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous request, the acccounts i've been disputed still appear late payment in my credit file but the fact is, I am never been late on paying. For that reason, I am asking for your help to correct my payment status or information in my account. It was come to my attention that the 3 credit bureaus have unlawfully disclosed my personal and private information. I demand that they will provide me an updated copy of my credit report immediately. These accounts should be corrected right away : XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company.They have not provided me with documentation showing any type of agreement between myself and Barclays Bank DE. I requested a copy of any and all agreements to validate this collection/debit and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copies of my letter to them, FTC Opinion Letter, their response. Please be advised that the copy of the response you see from them is why they continue to send me over and over again, ignoring request of other information.
Product: Checking or savings account

I deposited 3 XXXX XXXX money orders for a total of {$1800.00}. The next day Fifth Third took money from my account leaving me with a negative balance. When I called to ask about it, they said not to worry, the balance would restore within 24 hours and the money orders from XXXX XXXX would clear. 

It has been almost a week and Fifth Third is claiming via telephone call that XXXX XXXX money orders could not be processed. There were no errors on the money order, this is age, gender, and race discrimination. Valid money orders should not be declined by the bank.
Product: Mortgage

Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.
Product: Checking or savings account

Timeline : XX/XX/19 payment of {$160.00} made in by mistake to an old XXXX card XX/XX/19 Three way call made to XXXX, spoke with XXXX, who advised to fax tracking details to XXXX. Advised to allow 7 to 10 days. Fax sent requesting refund. 

XX/XX/19 Three way call made to XXXX, spoke with Manager XXXX, who advised all payment research for close XXXX account goes through Citibank and to call XXXX XX/XX/19 Called Citibank at XXXX, spoke to XXXX who confirmed Citibank does handle payment research for closed XXXX accounts, and requesting proof tracking details are faxed to XXXX ATTN : IRU payment investigations. Fax sent. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, who could not confirm if documents were received although confirmed they were faxed to the right fax #. XXXX will escalate to management and asked to allow 7 to 10 days. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, whose management refused to take the call after multiple attempts. Faxed payment tracking details again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Checking or savings account

Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. Most recent examples : Received By date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019. 

Since my initial complaint, the company quickly sent an email notice of a change in terms on XX/XX/2019 to the Digital Banking Agreement, in which it describes a " Corporate Check '' as a new ( and now third ) option the bank in its sole discretion may choose to use at any time ( separate from and distinct from the generally accepted practice of a paper check and an electronic transfer ). When the bank in its sole discretion chooses to use a " Corporate Check '' to pay a bill, under the new terms ( set to take effect on XX/XX/2019 ), the customer has no course of action if funds are not received by the biller ( received / cashed / posted ), until at least 90 days have passed. In the meantime, BMO Harris deducts the funds from your account on the " estimated received by '' date. It is only after 90 days have passed that they will begin the process of review in order to possibly credit back the funds to your account if the funds are not received by the biller, by that time. This unreasonable delay is unacceptable, to any degree, when funds are being withdrawn from an account and essentially seized with no available remedy to the owner of the funds, and with no manner of transparency to trace the funds, or verify when the check was mailed, received by the biller, or cashed - and with no manner to review a scanned copy of the cleared check afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

You claimed that the account was confirmed as being accurate. Please explain how you verify that the collections you are reporting with a past-due amount are accurate. I'm not requesting your help in finding out anything about me, including my address. Please describe in detail each step taken during this entire investigation and how long it took. 

Please provide me with the name, contact information, and email address of the associate who oversaw this inquiry. 

XXXX XXXX XXXX : XX/XX/