23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAVE NOT REMOVED THE INTERNAL BLOCKAGE, PERSONAL STATEMENT OR THE UNAUTHORIZED ( 5 ) CREDIT INQUIRIES FROM THE CREDIT REPORT. MY CREDIT REPORT HAVE NOT UPDATED SINCE XXXX XXXX. XXXX ASKING YOU TO REMOVE THE BLOCKAGE. 
EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED.THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTED OUTCOMES .THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIAN HAS EITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING.I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS AS EXPERIAN INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i. This is ruining my livelihood and ability to apply to certain jobs and have credit extended to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 to be removed.

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

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

XXXX XXXX XXXX XXXX XXXX XXXX  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 card

am writing because of my dispute against XXXX. Regarding claim number : XXXX I have received further information from XXXX regarding my claim as supporting evidence. I was informed that the property I reported to them and Capital One has been delisted from the platform based on my complaint. 

Because of the property being misrepresented, falsely advertised, and there being safety concerns, XXXX made the decision to remove the host from the XXXX site on XX/XX/year> according to the customer service representative I spoke with. This further supports my claim that I did not receive what I paid for. 

I paid for XXXX nights and immediately had to leave. I described the experience in detail in my previous writings to Capital One. Please refer back to my initial documentation. Since I am the one that reported the property for violations and safety concerns, I deserve to receive my funds back since XXXX has taken action to remove the host from their property rental site. 

Their cancellation policy wasnt disclosed to me clearly. They claimed that I received service in good condition in their response to capital one. Which is IMPOSSIBLE, especially considering that my report led them to remove the property from XXXX entirely. Please fix this for me ASAP. 

Upon opening my claim with XXXX  they told me to vacate the misrepresented policy after charging me, and said I would get a refund after I left and kept my funds with nearly an entire month of the booking left.
Product: Debt collection

I moved into XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX in XX/XX/2019. An incident occurred at my apartment with a guest and I was asked to move out the apartment complex. I was there 30 days exact. I was told that if I just left that I wouldnt owe anything and that they wouldnt file for eviction. I moved and didnt hear from them. I called to inquire about my security deposit and they told me I should receive something by mail to the address I provided. I didnt hear from them for months. One day I go to check my credit and it says I owed a debt to XXXX XXXX. I hadnt received anything saying I owed anything and being I moved out of the apartment I shouldnt have owed them money. They charged me for a month and a half rent I didnt occupy the apartment they charged me for carpet cleaning to undamaged carpet they took back a special they provided to me at move in and they also charged me to remove a dresser I left and said they would move it at no cost. I never re wives notice of any of this until I called the collection agency they sent the debt to. I called national credit systems numerous times and was never able to get any information from XXXX XXXX which was the woman assigned to my case. After not getting anyway I contacted legal aid to step in to help me. I havent got any help to solve this matter or settle it. I feel this management company is trying to get me out of money I do not owe to them.
Product: Vehicle loan or lease

They threatening me to repo my car the letter is dated XX/XX/2023 but the postage states XX/XX/2023 They never covered the check I been paying them and they never paid me this is illegal they are threatening me and harassing this is wrong
Product: Mortgage

On XX/XX/18, I contacted our mortgage company, XXXX XXXX XXXX  ( now XXXX XXXX ), concerning past due property tax, homeowners insurance, and flood insurance which should have been paid from our escrow. I was advised to email the documents and the request to XXXX which I did. The homeowners and flood insurance were both paid in XXXX but, to date, the property taxes are still outstanding. Since XX/XX/18, I have called and emailed several times. In XXXX, I was promised that the taxes would be paid on XX/XX/XXXX but they were not. Each time I have called, I have been told that the situation is being escalated, they are looking into it, etc. Recently, our county 's tax office issued a notice to place a lien on our property due to nonpayment. The mortgage company is being of no help. Please assist us.
Product: Debt collection

Merchants Credit Association ( MCA ) did not provide me with the updated amount of debt that I owed prior to reporting my debt to a credit reporting company. My previous medical debt was {$2500.00} but after my husband and I contacted the WA State Office of the Insurance Commissioner ( XXXX ), the total amount of debt I owed went down to {$100.00}. Considering the vast difference between the original amount I owed and the actual amount owed, I expected MCA to contact me about this corrected debt. MCA did not attempt to speak with me in person about the updated debt, they did not attempt to speak with me over the phone about the updated debt, they did not mail me a letter about the updated debt, nor did the send me electronic communications about the updated debt. Had they done any of these acts, which they are required to do prior to reporting a debt to a credit reporting company, I would have paid the updated debt amount immediately. I simply needed to know exactly how much I owed and who to pay. I previously submitted a complaint to the CFPB about this issue but it went unresolved. While MCA did finally contact me with the information I needed, this entire situation was mishandled by MCA and XXXX  XXXX as no one kept me in the loop of what to pay once XXXX resolved the claims issues I have fought for the last year and a half. Since receiving the information I needed ( again, only after I complained to the CFPB ) I have paid my medical debt.
Product: Mortgage

Dear CFPB Re : Discrepancy in handling of Escrow Account and {$2200.00} Shortage being applied.

I am writing to formally address a significant issue concerning my escrow account, which has recently come to light following the transfer of my mortgage from Flagstar Mortgage to XXXX XXXX  in XX/XX/XXXX XXXX. Specifically, I have been informed of a {$2200.00} shortage in my escrow account, which I believe stems from a failure on the part of Flagstar Mortgage to properly adjust my escrow account to reflect an increase in my homeowners insurance premium for the XXXX  policy year.

To provide clarity on the timeline and relevant facts : In XX/XX/XXXX XXXX, my homeowners insurance policy, provided by XXXX XXXX, was renewed with a premium increase from {$1400.00} to {$2600.00}. This renewal notice was submitted to Flagstar Mortgage at the time, in accordance with industry standards, for them to adjust my escrow payments as needed.

Despite receiving the updated insurance policy, Flagstar Mortgage did not adjust my escrow payments to reflect the new premium. Instead, my monthly payment was reduced from {$2100.00} to {$2100.00}, which was based on in accurate anaylisis of the previous year. I continued to pay in good faith, the {$2100.00} believing it was the correct amount based on their analysis. and knowing that my insurance policy was provided to them.

I also made additional payments each month to help reduce my principal balance which could have easily been changed to apply toward the correct projected payment had the escrow been adjusted appropriately from the provided insurance policy.

I contacted Flagstar Mortgage to seek clarification and resolution. During this conversation, I was informed that the escrow analysis conducted by Flagstar on XXXX, XXXX, did not reflect the insurance premium increase because the analysis was conducted prior to the insurance increase, despite it being provided at the beginning of the year XX/XX/XXXX. When I questioned this, I was told there was no remedy available from Flagstar since they no longer hold my loan. Furthermore, the proposed options I was givenspreading the shortage over two years or filing a formal complaintwere not viable solutions, particularly given that Flagstar could no longer manage my loan. Basically, we can't help you, it's your problem.

It is my understanding that the escrow process is a critical service that mortgage companies, including Flagstar and now XXXX XXXX, are required to manage competently. Given that I provided the necessary information regarding the increase in my homeowners insurance, I do not believe I should be held responsible for the {$2200.00} shortage that resulted from Flagstars failure to adjust the escrow account appropriately or at the very least a reasonable solution should be offered.

I will be requesting that CFPB take the following actions to resolve this matter : Hold Flagstar mortgage responsible for the {$2200.00} shortage that was caused by their failure to properly adjust the account holding them accountable for their negligence.

Thank you for your prompt attention to this matter.

Sincerely, XXXX
Product: Debt collection

I receive, on average, 9 calls every single day. I had credit cards with XXXX XXXX and told them I am unemployed. I tried to make arrangements to repay, at one point, and started but my husband lost his job. They have contacted my sister, who's number was NEVER give. Her name isn't even similar to mine. I receive private phone calls from them, restricted phone calls from them XXXX number calls from them ... daily. back to back to back. Then it stops for about 3 hours, and starts again. I received one call, three times stating that the man was a lawyer and I needed to have my lawyer call them. I owe a debt yes but I have committed no crime. I have blocked their numbers, they have called from lines that are forwarded to other numbers.
Product: Money transfer, virtual currency, or money service

Trading App Robinhood. 

I believe that my transfer amounts were not correctly reported. 

I know definitely that I have 2000 in transfers not being recorded. 

I have XXXX and I am sure that between that account information and what Robinhoodbis showing there seems to be multiple discrepancies. 

I would like to have my accounts investigated if possible. 

I also will include ... although a separate issue all together that they are also on numerous occasions listing fraudulent information and preventing purchase and selling price at it's market rate. 

I will hope our government would not allow or condone practices which disguise thievery as investment opportunity.
Product: Checking or savings account

Date of activity : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX Original dispute filed : XX/XX/2019 Claims Dept : Chase Bank Case # XXXX My wife and I brought our family to XXXX XXXX for a day of excitement and fun but unfortunately services were never rendered due to severe weather which was totally unexpected. We requested rain checks from the merchant but they stated that they do not offer any type of rain checks or refunds for that matter. As a result, we are disputing the sum total of {$210.00} that was charged to us. 
We have been to this theme park several times and this have never been a problem. We request that this situation be resolved in all fairness.
Product: Credit reporting or other personal consumer reports

To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX is new XXXX XXXX XXXX and the other is discover bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as XXXX XXXX XXXX my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of XXXX XXXX XXXX before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!
Product: Mortgage

Ocwen Loan Servicing , LLC began requesting proof of Homeowners Hazard insurance on XX/XX/XXXX. I was asked to provide a copy of the current XXXX on the property. That information was faxed to Ocwen on XXXX separate occasions. I also provided the same aforementioned copy by certified mail. On XX/XX/XXXX, I received the same request for evidence of insurance and I re-sent this information by certified mail on XX/XX/XXXX. On XX/XX/XXXX I received yet another request for the same information. 
I contacted legal representation and they sent a letter to Ocwen dated XX/XX/XXXX, stating that I had adequate insurance. They were requested to discontinue mailing proof of insurance requests and informed they did not have legitimate standing to place insurance on my home. 
In spite of my continued efforts to verify and provide proof of insurance for my condo unit to Ocwen, on XX/XX/XXXX ; I received correspondence from Ocwen stating that they had force placed insurance on my condo unit. I contacted my XXXX agent XXXX XXXX and he contacted Ocwen on my behalf and provided evidence of insurance. I received another letter from Ocwen stating the information was not valid. The agent stated they needed proof of insurance coverage from XXXX to XX/XX/XXXX. He contacted XXXX while I was on the line and said that my records would be appropriately updated. I received yet another letter stated XX/XX/XXXX stating that the information that I provided does not provide evidence of acceptable hazard insurance for my property. It further states that if evidence of acceptable insurance is not received, my home will continue to be in a deficient status and I will be billed for any insurance purchased on my behalf.
Product: Credit reporting or other personal consumer reports

Kindly examine the attached files and ensure that any personal information unrelated to me is removed.
Product: Debt collection

I have business debt of about {$8000.00} to Wells Fargo. The business card account number is XXXX. Its for a XXXX XXXX that is now dissolved. It is about three months overdue and headed towards claims. I have an agent for the account. XXXX XXXX ( XXXX XXXX XXXX ext. XXXX ). It took me a great deal of time just to get a hold of this person. He wouldnt answer my calls and refuses to email. He hasnt been at all motivated to get my account settle and has largely ignored my calls. Here is a link to my XXXX XXXX containing nearly all of my outgoing calls to him/Wells Fargo about this account ( XXXX XXXX XXXX ). There is some serious neglect here. 

This agent is very dirty. I dont feel that I can trust him. I dont know how much of this debt Im truly response for because it was a XXXX XXXX, and I do not know what an honest amount to settle for is. Would it be possible for you, or someone else to work as a mediator between the two of us? Im will to sign whatever is necessary to do so. I have already sent the individual paperwork of my financial situation. 

Looking forward to hearing from you soon! 

Very respectfully, XXXX, XXXX
Product: Debt collection

Complaint Against Unauthorized Debt Collection Activities by XXXX XXXX XXXX and LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized debt collection activities conducted by XXXX XXXX XXXX and LVNV Funding LLC XXXX Both entities have been attempting to collect a debt from me, despite not being licensed to collect debts in my current state or in the state where the debt originated with the previous creditor. 

The account number in question is XXXX, and the amount being pursued is {$740.00}. 

The collection attempts by XXXX XXXX XXXX and LVNV Funding LLC have been persistent and harassing, causing undue stress and inconvenience. Moreover, their lack of proper authorization to collect debts in the relevant jurisdictions raises serious concerns about their compliance with consumer protection laws. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of XXXX XXXX XXXX and LVNV Funding LLC and take appropriate measures to ensure they cease all unauthorized debt collection activities immediately. Additionally, I urge the CFPB to take necessary enforcement actions against these companies to prevent further harm to consumers. 

Enclosed with this letter are copies of all relevant documentation, including correspondence from XXXX XXXX XXXX and LVNV Funding LLC, as well as proof of their unauthorized status in my state and the state where the debt originated. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address this issue and protect consumers from predatory debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to TransUnion about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to Transunion as well. The inquiries that need to be removed are the XXXX XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX inquiry from XXXX  on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX XXXX inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
Product: Debt collection

the number they are calling is my work cell phone. I have repeatedly ask them to stop calling me at work, the caller apologizes then an hour later another call. this company also calls my house at least 15 times daily without leaving any messages. I have asked to speak with a supervisor each time the caller hangs up on me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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