23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen/PHH placed homeowner in foreclosure using questionable methods of inaccurate accounting, and has potentially been found to be Dual Tracking ( illegal in MN per the sheriff office phone call ) the process. Phone calls and Emails directly to the company have been made by the homeowners on many different and recent attempts, and outside services have been notified by the homeowners of this unnecessary situation, yet the company has eluded the provision of accurate or relevant answers. 
The company seems to have a difficulty applying the payments the company received on time and in advance since the beginning of the loan. ( See submitted paperwork ) They have held payments in a suspense account from XX/XX/XXXX-XX/XX/XXXX charged late fees, sent the suspense money, which was held for 7 months, back to the homeowner, and proceeded with reinstatement quotes in lieu of the foreclosure that was initiated. 
The homeowner has repeatedly asked for clarifications without receiving any response. 
They have reported to the credit bureaus late payments and foreclosure literally destroying credit worthiness of the homeowner for any future financial decisions. This seems like a hostage arrangement. 
There is a financial nightmare that was created because payments were made but not applied. 
They have failed to send relevant and timely communication when asked about any statement errors. 
The company coerced a poorly structured loan modification with a balloon payment in XXXX by doing the exact same payment withholding practice, knowing that a loan modification would hinder any conventional refinance options. 
The Company name has recently changed in XXXX, but the practices have not, and now the company has made the homeowner out to be the one in error, thereby potentially forcing a foreclosure sale ( It is scheduled XX/XX/XXXX at XXXX ) despite homeowners many efforts to dispute and gather any accurate account information, and have the company correct their accounting practices -- mismanagement of funds The MN Dept of Commerce was included in the Complaint. 
The MN Attorney General was included in the Complaint in XX/XX/XXXX and has not received any word from Ocwen/PHH. 
XXXX XXXX has claimed over the phone ( XX/XX/XXXX ) a foreclosure has been postponed, but as of XX/XX/XXXX, as I type this, there has been zero proof of postponement per the MN state law, so the homeowner will be at the courthouse in MN at the scheduled time in the morning just to verify the accuracy of the phone conversation. 
Ocwen/PHH is extremely untrustworthy and has attempted this practice many times on this account.
Product: Credit card

I purchased furniture from Arhaus XXXX on XX/XX/year>, on the condition that I take advantage of the financing promotion they were offering. The price of the furniture was {$4800.00}. When I asked about the financing option, the sales associates in the store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) explained to me the promotion is for a credit card with Comenity bank, offering 6 months of 0 % interest/APR financing. They further explained to me that if the balance isn't paid off by the end of the 6 month promotional period, then interest will start accruing. However, after recently reviewing my credit card statement, I noticed a {$720.00} interest charge. Thinking this was a mistake, I called Arhaus XXXX  on XX/XX/year>, and they told me the finance promotion was for 6 months of deferred interest, not 0 % interest. At the time of the purchase, all the sales associates I spoke to and all their advertising made it clear the promotion was for 0 % financing, which is false and incredibly misleading. As a result, I ended up having to pay full interest as of the time of purchase. This has caused significant financial hardship for me and neither Arhaus XXXX nor Comenity bank is willing to provide any support or take accountability. They falsely advertised their financing promotion in order to close a deal.
Product: Credit card or prepaid card

My purchased flight was cancelled due to the pandemic. The airline stated that the ticket could be used for any flight on the same route in the future, with no charge for fare difference. Unfortunately, the airline did not resume flights on that route for over a year, and once it did it was impossible to find a seat. I therefore requested a refund, and was told to submit an online refund request. I did so, but received no response from the airline. I then disputed the charge with my credit card company, but was told I had waited too long ; even though the dispute claim only materialized when it became clear that the airline would not honor its rebooking offer or provide a refund, which was less than 30 days before I submitted my dispute to Chase. 

The customer service representative for Chase advised that I should send a letter asking that the normal time period for processing a dispute be waived, which I did. Chase responded by acknowledging that I " may have a valid complaint with the merchant, '' but nevertheless refused to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a voluntary report in XX/XX/XXXX. Vehicle Solutions Corp took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that Vehicle Solutions Corp Sold the truck on XXXX and registered in North Carolina. I immediately contacted Vehicle Solutions and reported what I have learned. XXXX Vehicle Solutions representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.
Product: Debt collection

Spoke with someone name XXXX, she refused to allow me dispute the bill, when I ask speak to a manager, she raised her voice at me and told me no.. i demanded to speak with someone else she cursed mea out and hung up the phone on me. I called back pressed 1 and got her on the phone again. she told me to pay my bill and she wasnt transferring me to anyone,, i asked her last name she told me no and I told her was gon na record the conversation she said that she from Maryland and she don ; t have to have her call recorded and kiss her XXXX and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I've tried to place security freeze or locks on my Equifax credit report to no avail. I've called the company, written letters, and tried exhaustively online but every time I make an attempt, I get locked out or denied access to my information leaving me with a credit file unlocked and vulnerable. I don't know what else to do. This company has literally wasted hours of my life and I to this date have nothing to show for it. 
All I want is access to lock my credit report.
Product: Credit card

Subject : Request for Reopening My Customized XXXX XXXX XXXX XXXX XXXX  XXXX Account I hope this message finds you well. I recently discovered that my Customized XXXX XXXX XXXX XXXX - XXXX account was closed by Bank of America on XX/XX/XXXX. After reviewing the situation, I believe the closure may be linked to a series of events that started when Bank of America initiated an unauthorized payment of - {$24000.00} on XX/XX/XXXX on my travel reward card, without my consent or any pending payment obligation. 

Upon noticing this unauthorized transaction, I promptly contacted my bank, XXXX, and requested them to halt the payment. Regrettably, in the process, XXXX also implemented a stop payment on all future transactions, unbeknownst to me. Consequently, when I used XXXX Bill Pay to settle my dues with Bank of America, some of the subsequent payments were returned, leading to a misunderstanding. 

I want to clarify that I have since settled all outstanding balances with Bank of America. It was not my intention to cause any disruption, and I sincerely apologize for any inconvenience this may have caused. I have been a loyal customer since XXXX, and my other accounts with Bank of America have consistently maintained good standing. 

Considering my longstanding relationship with Bank of America and the unintentional nature of these events, I kindly request the reopening of my Customized XXXX XXXX XXXX XXXX - XXXX account. I assure you that such issues will not recur, and I am committed to maintaining a positive and timely payment history. 

Thank you for your attention to this matter, and I appreciate your understanding. 

Sincerely, XXXX
Product: Debt collection

I am a federally protected consumer and Navy Federal Credit Union has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I asked Experian to investigate the closed Department of Education accounts, the closed XXXX XXXX account, the closed XXXX account, the three closed XXXX XXXX XXXX accounts. These accounts are not 100 % accurate and have negative and derogatory marks reported to my credit report. Experian did not investigate nor do a proper investigation. My rights are violated and these accounts need to be deleted. I'm providing tracking information and credit report showing multiple errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for XXXX  and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a chase account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but chase is holding me responsible. I have this chase account removed from XXXX but it also remains on my XXXX and XXXX  credit report. Ive tried resolving the issue with chase for over 5 years but theyre still holding me responsible for fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all Transunion, XXXX  and XXXX  about unauthorized reporting on my credit report.I first disputed on transition and they was able to take it off. The other bureaus have not responded to my letters yet and it has def passed the 60 day mark.These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX and spoke with XXXX. Informed XXXX that there was an incorrect increase to my XXXX XXXX. I advised XXXX that my Loan amount was Change from XXXX to {>= $1,000,000} and my 30 day late was not recorded correctly as it was for XXXX however it was moved to XXXX. I was beyond shocked that someone could make this type of error. I advise XXXX that this error could potentially cost me my Pre approval on the home my wife and myself are currently trying to purchase. As this Error dropped my Credit XXXX points to an XXXX and My Wifes Credit Score below the XXXX score that we needed to qualify for FHA. XXXX stated that she emailed a Manager and who would be checking into. XXXX called me back advising me that it was updated. I quickly filed a dispute to have the credit bureau investigate it for Change. On XX/XX/XXXX I received a notification from XXXX XXXX stating that my Loan Amount was updated to XXXX after investigation through Equifax it was found that the information was not changed. My Credit Score is currently sitting at a XXXX and we lost the home we were trying to purchase due to XXXX XXXX incompetence for the 30 day Lates and Late report.
Product: Debt collection

I hereby submit an answer to a lawsuit that is completely baseless. XXXX XXXX XXXX is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the XXXX XXXX XXXX lawyers Pressler, Felt & Warshaw, LLP, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor financial reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called toyota they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only 28 days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is 28 days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me
Product: Credit reporting, credit repair services, or other personal consumer reports

An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX XXXX XXXXXXXX XXXX  and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but XXXX and experian allowed it to stay on my report which is illegal.
Product: Credit reporting or other personal consumer reports

I am formally disputing the validity of the student loan debts associated with my name. Due to recent events involving unauthorized access to student loan data, I have reason to believe that my personal and financial information has been compromised. As a result, I am requesting the immediate discharge of these loans and the removal of any related negative information from my credit report. 

The unauthorized access constitutes multiple violations of federal law, including but not limited to : Title IV of the Higher Education Act ( HEA ) Institutions and loan servicers managing federal student aid are legally required to safeguard borrowers financial data. A failure to secure this information constitutes noncompliance, rendering these loans unenforceable. 
The Family Educational Rights and Privacy Act ( FERPA ) My student records, including financial aid information, are federally protected from unauthorized disclosure. This breach violates my rights under FERPA.

The Privacy Act of 1974 Federal agencies and affiliated institutions must protect individuals ' records from unauthorized access and misuse.

The Gramm-Leach-Bliley Act ( GLBA ) Financial institutions, including student loan servicers, must maintain strict data security protocols. Any breach suggests noncompliance with federal regulations.

The Fair Credit Reporting Act ( FCRA ) If my student loan data has been accessed, altered, or misused, any inaccurate reporting must be corrected, including the immediate removal of these debts from my credit report. 

Due to these federal violations, I demand an immediate discharge of all affected student loans. Given that my information was improperly accessed, these debts should be considered invalid and unenforceable. The failure to uphold federal data protection laws has compromised the integrity of my loan records. 

If you deny this request, I demand a detailed legal justification explaining why the breach of my personal and financial data does not warrant full loan cancellation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally required to investigate this dispute within 30 days. If these debts can not be verified as valid, compliant with Title IV, and unaffected by unauthorized access, they must be removed from my credit report. 

Please consider this letter my formal dispute and request for immediate loan discharge. I expect a response within the legally required timeframe. If you require further information to process my request, please contact me immediately.
Product: Debt collection

In XX/XX/XXXX, I contacted Portfolio Recovery Associates about a debt I owed to them after they brought a XXXX account that was charged off. 

In XXXX, I called PRA and spoke to a rep about setting up payments every two weeks to handle the account. I asked, if I paid the account would they be willing to do a pay to delete the rep put me on hold and came back and said yes they could do that. I started making payments on XX/XX/XXXX and my final payment was on XX/XX/XXXX. 

I received a letter stating the account was settled and the credit agencies would be updated. Its been a month and the entry is still on reports. I feel like Portfolio Recovery Associates lied to me just to get me to pay. At the end of the day the debt was mine, but the way they went about it was totally wrong. Why say you can do a pay to delete and turn around a renege.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXXXXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts. 

This letter was sent to Transunion onXX/XX/2021. They received this letter on XX/XX/2021 which they have not yet responded to nor have they deleted said account in letter from my consumer report. I have never given Transunion any written consent nor can they provide any proof of me giving consent to report anything on my consumer report. No consent is identity theft, which is a violation of 15 USC 1681b ( a ) ( 2 ).
Product: Debt collection

ARS has been calling on a daily basis for a debt that I do not own. Under Section 604 15 U.S.C. 1681 B, the credit reporting agencies DO NOT have the right to report anything on my credit report.

Under Section 605 A 15 U.S.C. 1681 C-1 it states that with no consent, they MUST DELETE, = identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX