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

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with XXXX accounts and inquiries I did not authorize please delete
Product: Mortgage

My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.
Product: Debt collection

I looked at my credit report with my non profit financial counselor and saw an eviction that was settled in court back in 2016. I called Procollect on my own to try and get validation and understand what was happening. They refused to speak to me and told me I had to send all my personal information to fox@procollect.com. This sounded wrong to me so I called my financial counselor, XXXX XXXX with Family Service of XXXX XXXX. We scheduled and appointment and called the creditor together. She refused to speak on speaker phone or speak to my counselor even though she offered to let me give them permission to speak to her. She hung up on us. We researched XXXX XXXX and found the disposed case. I sent letters to the credit bureaus stating : Subcode XXXX Act Number XXXX Procollect is misreporting an apartment eviction. I have included the judgement from XXXX XXXX showing it was disposed and I had to pay court cost for {$110.00}. Procollect refused to speak to me or my non-profit financial counselor. They wanted me to email in all of my personal information to a fox@procollect.com.  The amount they are showing is {$4500.00}. 
I have reported them to the CFPB for professionalism and fraud. 
I attached all of the court documentation. How can a collector try to collect {$4500.00} when I only had to pay {$110.00}. These apartments have terrible reviews online and this is fraudulent behavior. This effects peoples lives and could make me not eligible for a job or to move into an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just made a payment of {$350.00}  to   XXXX   XXXX   the  other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sect ion 623.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I changed bank accounts and I sent the information to Lendly before my XX/XX/XXXX payments were due. Lendly never completed the request. I called numerous times, before the due date of my first payment to address the issue and no one was able to assist me with the change until XX/XX/XXXX. I emailed the information over AGAIN on that date and the request still was not completed. Upon speaking to a Rep, the Rep stated that the payments were reversed and that they do not know why the XX/XX/XXXX payments were reversed and then wanted me to pay {$190.00} and my current payment that was due, all in one lump. But I did not feel that was fair, due to Lendly not updating the information when I sent my new bank account information in XXXX of XXXX. It was not my fault that the payments were reversed either, after the fact that the new bank account was entered in XXXX XXXXThe Lendly rep at the time stated to me on a RECORDED LINE that interest is not accrued on late payments, but I guess that was not true, because now I have made XXXX payments of my XXXX and they are stating that I have XXXX more payments, because of the mishap in XX/XX/XXXX. The interest is from XXXX till now and it keeps going up, even though Lendly has admitted that the mistake was on their behalf. I stated to them I should not have to pay late fees on a balance that was caused by them not completing their job of entering the updated bank information. It appears intentional, because the balance is caused by Lendly neglect.
Product: Credit reporting or other personal consumer reports

RE : REQUEST FOR REMOVAL OF INACCURATE CREDIT INFORMATION TO WHOM IT MAY CONCERN ; UPON REVEWING MY CREDIT REPORT, I HAVE IDENTIFIED THE FOLLOWING ITEM ( S ) THAT CONTAIN INACCURACIES XXXX XXXX { XXXX XXXX : THIS COMPANY IS IN VIOLATION OF ( 15 USC 1681N ) THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELETE THIS UNAUTHORIZED INQUIRY XXXX- { XXXX XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX VIA DEALER { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XX/XX/2023 XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY I DID NOT CONSENT, NOR DID I AUTHORIZE AND NOR DID I BENEFIT FROM THE FOLLWOING INQUIRIES, THEY ARE FRAUD AND REMOVE THEM IMMEDIATELY SINCERELY XXXX XXXX
Product: Student loan

I refinanced my loan with Commonbond ( held with XXXX XXXX ) over a XXXX XXXX  ago. In that time I have never failed to make a payment and even paid extra per XXXX. I went back to school in XX/XX/XXXX and entered into a school deferment period that would end when my program ended. 

I attended XXXXXXXX XXXX  in XXXX, XXXX. My final assignment, classes, and time on campus ended as of XX/XX/XXXX however my graduation date is not until XX/XX/XXXX. 

I was contacted about repayment beginning again by CommonbondXXXX XXXX XXXX and was told repayment would begin on XX/XX/XXXX. I applied for post-graduation grace period XXXX XXXX after my end date, and was denied. 

They told me I was denied because " I agreed to instant repayment plan ''. When I said I never agreed to that, they told me that because I didn't call XXXX XXXX of** my graduation, I forfeit the right to have a post-graduation grace period. 

The need to call in the XXXX of my graduation was *never* expressed in my deferment agreement or in the letters/emails they sent that if I didn't call ( from abroad ) the XXXX  of my graduation I give up the right to apply for graduation grace deferment and " agree '' to instant repayment. 

When I mentioned this and that this policy wasn't published anywhere, I was told " too bad, that there was nothing they can do ''. 

It is not only unfair, but surely a legal gray area ( at best ) to create a binding policy that is never covered, mentioned, or agreed to ; but then hold students to the claim " I agreed to start payments immediately ''.
Product: Debt collection

This is my third or fourth time requesting debt validation from General Revenue Services. Recently on XX/XX/19 they provided me with a generic bill ledger that does not clarify the detail summary for the collection amount of {$540.00}. I have requested and General Revenue Services has failed to deliver the proper documents need to prove validity for {$540.00} is owed to them or XXXX XXXX University from me. Please provide specific details or billing invoices on what I am being billed for in the amount {$990.00} + {$150.00} = {$450.00}. After that please provide a billing summary for the {$540.00} that you are actually collecting on an have reported to my credit report. 

There are nothing but numbers on the ledger and a general enrollment notice but NO DETAILS on these charges. I am requesting that this item be removed from your collection office until these further details can be provided. It has been beyond 30 days required by law for General Revenue Services to provide debt verification and validation of the items I have requested. I have already submitted an Estoppel Letter this is my second notice
Product: Bank account or service

Chase bank has no allow me to recover XXXX dollars that where transfer by a mistake to a wrong person, they told me that they ca n't recover my money they where alert the same second I receive the notification
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.

I ask Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I paid off my loan with gm financial but it still says open
Product: Credit reporting or other personal consumer reports

2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the XXXX XXXX breach, XXXX XXXX breach and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB CASE XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX Wells Fargo XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a collection agency in Arizona named XXXX XXXX XXXX opened on my credit file with an original balance of {$1000.00}. In XX/XX/XXXX, this same collection agency, along with the original balance was included in my chapter XXXX bankruptcy filing with a plethora of other collection agencies. After my bankruptcy was discharged and completed in XX/XX/XXXX, that collection as well as, all the others weren't listed on my report anymore due to the bankruptcy. 2yrs later, on XX/XX/XXXX, this same collection agency reposted this collection onto my credit report, listing the original balance again of {$1000.00}. I received notice of that and I disputed it and reminded Experian that it was included in my Chapter XXXX from XX/XX/XXXX and it should not be allowed to be reposted to my credit file. Had they done their homework and a thorough investigation, they would have seen that the collection agency/balance that was on my credit file from XX/XX/XXXX, when it was originally opened, was part of my bankruptcy filing. The attorneys pulled my credit report when I filed, again in XX/XX/XXXX with all of my collections including this one. After I disputed with Experian, the collection agency was allowed to repost the same collection on XX/XX/XXXX, and the amount increased from {$1000.00} to {$1300.00}. Also, on XX/XX/XXXX the Dept of Education posted LOAN PAID And, the same day, Experian  decreased my credit points by 20 ... absolutely no reason for that. Something's wrong at Experian, please investigate. Incompetence shouldn't be allowed when dealing with consumer 's personal important affairs such as this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX with Equifax for over a year now. I have asked Equifax to make XXXX XXXX XXXX send me something with my signature on it. Equifax did not grant my request, instead, they emailed me and said the account was verified. THIS account needs to be removed from my credit report if XXXX XXXX XXXX can't supply Equifax with something with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with NCA ( National Credit Adjusters ) and XXXX XXXX. They have failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. Thank you for your time.
Product: Mortgage

Ocwen mortgage was recently taken over by PHH mortgage on XX/XX/XXXX ... and unfortunately, our previous mortgage company sold our account to them. XXXX has been rough on many people..us included. 

In the early part of XXXX PHH Mortgage, formally known as Ocwen, sent us a refund check for an overpayment of our escrow account. Because we are grieving a loss of a teenage child, we weren't opening our mail consistently. Our bill payments and such were just on autopay and basically, we were dialing it in while we mourned. We finally got around to opening our mail and saw the check and attempted to cash our refund check on XXXX XXXX XXXX. PHH Mortgage, formally known as Ocwen refused to honor the check on XX/XX/XXXX and we received a chargeback from our bank due to the date being stale-dated and returned. 

I phoned PHH Mortgage to have them resend the check. I have phoned them once a week for 3 weeks, and they still have not re-issued my overpayment check. The first time I called, was on XX/XX/XXXX. The customer service agent claimed she had all the information she needed after I gave her the returned check number and date. 

A week goes by and I call back on XX/XX/XXXX. The check still has not been sent out. This time, the customer service agent who assisted me, stated that the previous customer service agent did not put the date on the check ... 

The third call was today, XX/XX/XXXX. This time the customer service agent that answered said the check was not reissued because it had already been cashed! 
The call was escalated to XXXX ( customer service ID XXXX ). After the call, I contacted XXXX XXXX XXXX who verified that Ocwen or PHH Mortgage would have been notified that the check had NOT been paid and had been returned. 

On XX/XX/XXXX, I also filed a complaint with the XXXX  of New Jersey against PHH. 

On XX/XX/XXXX at XXXX 's request ( the escalation manager at PHH XXXX ) I sent a letter that XXXX XXXX XXXX sent us in regards to the returned, stale-dated check. 

On XX/XX/XXXX I called to follow up since PHH failed to inform me if they had indeed received the XXXX XXXX XXXX documents XXXX ( XXXX ) requested. I was told they had. 

On XX/XX/XXXX XXXX ( XXXX ) called to tell me that the escrow check would be reissued and some time the week of XX/XX/XXXX. 

On XX/XX/XXXX, PHH sent a secure email to state that the escrow check would not be re-issued because it had been cashed ... all despite having received documentation from XXXX  XXXX XXXX on XX/XX/XXXX. 

I have attached XXXX XXXX  XXXX documentation as well as the XX/XX/XXXX PHH message that denies the request to reissue the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

USAA will not allow me to cancel future automatic transactions. I see the button to cancel on the mobile app but I can not select it. The website does not show any automatic transactions. I called twice early to resolve but no one called me back. I called again and ask to speak to an executive resolution team member. All they did was apologize. 

Additionally, I can still see and edit my wife 's account information even though I was told this wasn't an option.
Product: Student loan

DEBT COLLECTOR, provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, DEBT COLLECTOR did not engaged in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or threatviolence, or other means to harm the reputation, or property of respondent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$1100.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I have disputed this item with the credit reporting agency as I do know recall this account ; they reported you confirmed the account as valid. However, I have not been provided any information validating this debt.
Product: Credit reporting or other personal consumer reports

Hi, I recently got a copy of my credit report and noticed a bunch of addresses that Ive never lived in that were not mine. Please remove these addresses that I do not know of. I should have only one address on my credit report and that is XXXX XXXX XXXX XXXX, TX XXXX. I have attached a photocopy of my driver 's license and phone bill. Please delete these addresses immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX