23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thank you for AGAIN taking time on this issue for me. 
There has been an ongoing review of the mistake made by OCWEN on my escrow balande owed. Although they have admitted the error and reduced the amount to put into the escrow account AND, although I neglected to send the money WITH THEIR LITTLE COUPON, they have NOT APPLIED THE {$3500.00} as requested to the ESCROW ACCOUNT ONLY. At this time, they are sending me DELINQUENT NOTICES for my mortgage payments and have arranged for a company to call my home as they believe I 'm having problems PAYING MY MORTGAGE. I have paid each and every payment on time and early without fail. Since they reduced the amount to put to escrow to $ XXXX+/- and I HAVE PAID IT IN FULL with 2 pmts of $ XXXXea in XXXX and an additional of {$2500.00} in XXXX, they have not caught up with their own paperwork and show me delinquent! I appreciate all the assistance and contacts you have made for me during this time. I have asked them to ACKNOWLEDGE THE {$3500.00} paid to the escrow ONLY as noted on my checks and they are not doing so and also I asked for a review of the payments to continue with and get double talk responses in the mail and email. 
1. They wanted $ XXXX+/- for the escrow balance and THEY RECEIVED IT 2. They will not respond with acknowledgement that the money WAS INDEED RECEIVED nor give me the amount they would like to adjust my payments to from XXXX IF ANY is required since the {$3500.00} paid already. 
I continue to pay the original amount XXXX and am now receiving the new DELINQUENT NOTIFICATION. It seems that they can not address the challenges THEY created in a timely fashion and I am suffering with possible credit score issues and always the possibility of losing my home when I HAVE PAID CONSISTENTLY and given them the adjusted amount they determined ( {$3500.00} ) after knowing that the nearly {$30000.00} they were looking for originally was NOT VALID! Please request that I get JUST THE INFORMATION I NEED and that they adjust THEIR RECORDS to acknowledge all they have asked me for is COMPLETE and what amount I should be paying on my monthly payment. The new amount they are looking for is around {$5000.00} for no reason but that they can not adjust their own records to make good. 
Thank you AGAIN for getting involved. I wish you could force them to DO THEIR WORK and fix this for me since it is THEIR ERROR and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, IL XXXX Loan number XXXX
Product: Credit card or prepaid card

This complaint is regarding XXXX XXXX XXXX billing and fee practices. 

In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay. 
I assumed it was a scam letter until I tried to call XXXX. 
No one in any department would speak to me at XXXX because this bill was in collections. 
I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ). 

My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill. 
XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}. 

This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail. 
XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents. 
XXXX ) XXXX  does not forward bills so it was returned to XXXX. 
XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ). 
XXXX ) Each month they charged me interest fees and late fees. 

My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills. 

I have ( had ) excellent credit. 
We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ). 

I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX. 

In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me. 

PLEASE HELP ME!!! 
I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators. 
I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state. 
WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.
Product: Credit card

I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the XXXX XXXX XXXX XXXX both of whom regulate XXXX XXXX 
Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. CITI Bank charged off my Home Depot credit card after I lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector. I have never entered into a XXXX XXXX XXXX with XXXX XXXX. CITI Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and they have taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. XXXX XXXX bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to use my credit card, however, it was declined. I called the company to report this, I was later put in contact with another department. Here the representative told me that my account was closed because I was reported as deceased. On XX/XX/XXXX I called again to learn of who reported me deceased. I was told that they do not have that information. Additionally I was told that someone had attempted to close my account that day. I am writing you for assistance in finding out who requested that my account be closed and reported me deceased.
Product: Checking or savings account

XX/XX/2022 - I opened an online savings account with Discover. I registered for the online platform etc. 

XX/XX/2022 - I deposited a cashier 's check in the amount of {$18000.00}. This is the majority of the funds I inherited from my father upon his death, which occurred on XX/XX/2022. I opened the savings account specifically for this purpose. 

XX/XX/2022 - I'm not able to log into my account and I get an email about unusual activity on my account. I called customer service and was told by multiple people that my account was closed for no reason and that Discover was keeping my money for " up to '' 60 days. 

I have not received any additional communication and now my access to the account online has been shut off. This feels very much like bank theft - and what am I supposed to do if I need my savings?
Product: Debt collection

I am experiencing an issue with National Credit System regarding a debt collection reporting on XXXX, XXXX, and XXXX ( account # XXXX ). On XX/XX/XXXX, I sent a debt validation letter to National Credit System. However, on XX/XX/XXXX, the post office returned the letter as " return to sender, not deliverable as addressed. '' The address used was provided by consumer reporting agencies XXXX, XXXX, and XXXX, as it was supplied by National Credit System. Attached is proof of credit contact information. 

In an attempt to resolve this matter, I conducted research on the original creditor, XXXX XXXXk XXXX XXXX, to understand why this account was placed in collections, as I do not owe any debts to them. During my investigation, I discovered that the XXXX XXXX no longer exists. I visited the location and spoke with the property manager, who stated that they do not have any account associated with my information indicating a debt. Additionally, they mentioned that the management has changed twice. Further online research revealed that XXXX XXXX XXXX, associated with the XXXX XXXX, has been dissolved since XX/XX/XXXX. Please see the attached proof. 

I am concerned about the legitimacy of this debt, as it relates to a management company and XXXX XXXX that no longer exist.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX DATED XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXXXXXX XXXX XXXX XXXX my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX car loan. 
police report case XXXX and FTC reference XXXX
Product: Credit reporting

I sent a letter to Experian, stating that the listed items were not being filed accurately on my credit report. I stated that I needed them properly verified and they were not. I was also told in the response letter that they would not re-investigate. 

As a part of FCRA ( Fair Credit Reporting Act ) they did not provide me with information that was transmitted to the data furnisher. They did not inform me of who they spoke with, the date, how long was the conversation, what was their position, what number did they call, what was the name of the employee that spoke to the creditor, what was the position of the employee that spoke to the creditor. This inaccurate reporting has caused me emotional distress and hindered my job search.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC -681 Equifax is governed by 15 USC 1681, and they violated my rights numerous times. 

I demand the accounts listed below be removed because according to USC 16813 I have rights to privacy and I did not give equifax written permission to furnish these accounts.
Product: Debt collection

True accord has sent emails to my husband concerning is supposed debt that is in my name with XXXX XXXX XXXX  and XXXX This has also been reported to the three credit bureaus as a collection in my name. We have never done business with XXXX XXXX XXXX we have had service through XXXX and XXXX for the last 22 years and our payments are always automatic withdrawal and have never once in 22 years been late. I informed them that they had the wrong person and they told me unless I could verify all the information that they had on hand they could not help me. How can I verify a debt that is not mine I asked and I was told there were options to pay it off online. This is not my debt and I'm not going to pay it. I asked them to quit harassing me and to take it off my credit report and they told me that they could not do that unless I could verify all the account information that they have on file. I told them they were violating the fair debt collection and reporting act and they assured me that they had a XXXX star rating with the XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX debt is not mine they're fishing and they're violating the law doing so and trying to ruin my credit history.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof of that. They are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX XXXX XXXX  am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be. 

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information.

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim in XXXX XXXX breach and Experian has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. Experian inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my consumer credit.
Product: Credit reporting or other personal consumer reports

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.|
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     2015 Barclays Ba nk Delaware placed a hard Inquiry on my   XXXX    Credit Report. The report is  two yea rs old and needs to be removed and furthermore I never provided authorization for the inquiry. I do not have any open accounts with this company so this inquiry needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
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 XXXXXXXX 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 or prepaid card

I have charges on my HOME DEPOT credit card in the amount : XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/18 XXXX - purchase was made on XX/XX/0818 I called the credit card company ( HOME DEPOT ) and reported unauthorized charges. 
They competed investigation and concluded that I am responsible for this charges, that I have made all these purchases. 

But I was out of COUNTRY on XX/XX/18 and I can prove it : I have an electronic ticket and stamps in my passport, I was in XXXX on XX/XX/18 the whole day and I also have a proof of it. 

This clearly means that I can not make any purchases on XX/XX/18 and XX/XX/18. I called the credit card company more than a month ago and told them about it ( that I was out of country and town ). They still did not respond to me ( more than a month ago ), but it is clear for me and for  everybody, except Home Depot company, that I can not physically make these purchases. It looks like they just disregarded my statements and still believe that I am responsible for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be remove because According to 15 USC 168 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving My Account, vulnerable and unprotected furthermore their resolution process was unfair and deceptive as they did not comply with the error of resolution requirements under electronic fund transfer act EFTA and regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.