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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, NAVY FCU XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Ic systems keeps trying to cole t a debt for XXXX $ i disputed this with XXXX  and XXXX and i know XXXX  removed it because i proved my insurance paid for it. Please contact XXXX  and have them provide such info
Product: Mortgage

On XX/XX/XXXX : I sold my property at XXXX XXXX XXXX XXXX, XXXX TX. XXXX. Consequently loan number ending in XXXX was paid off to Truist Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. However, Truist Bank did not record the payoff until XX/XX/XXXX. 

XX/XX/XXXX : I changed the mailing address on Truist Bank 's website from the property in Texas to my new mailing address. 

On XX/XX/XXXX : I alerted Truist Bank that I still had not received my escrow funds. I was told by a bank representative that the escrow check was mailed to the mailing address for the property that I sold. I alerted the representative to the bank 's error, I was told that the check would be reissued. 

On XX/XX/XXXX : I called Truist Bank to advise them that I still have not received the funds. The bank representatives are refusing to send my escrow funds to me in a timely manner as per their obligations according to law to return the money within 20 days.
Product: Debt collection

This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. when I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Product: Debt collection

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.
Product: Vehicle loan or lease

Due to COVID and a lack of need for a second car, I decided to turn my XXXX  XXXX back in to the dealer. I was assured no termination fee would be assessed. At the dealership, I asked once again before handing in my keys, what do I owe? The dealer said, " Nothing. Good to go. '' We signed releases and left. 

I received a notice from XXXX the next day that not only did I owe payments for the car I just turned in for the next 3 months, I was assessed a XXXX dollar termination fee. I reached out to the dealer 's manager, and have heard nothing back. I reached out to XXXX XXXXXXXX XXXX and they said if I purchased a XXXX they would waive the fees. They said if I had any issues to talk to the dealer who " made a deal with me '' to see if they can waive the costs. 

To avoid the hit on my credit, I am paying the fee on the due date. But I believe this to be an unfair treatment of a customer who has been a loyal XXXX customer for 10 years. The vehicle at least maturity was supposed to have XXXX miles on it. I turned it in with less than XXXX. How is this fair? They've likely sold it already and made a profit.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB recently about EXPERIAN credit bureau reporting a collection on my file. A collection with ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a {$63.00} collection on my file. Like I've stated before I have no idea or clue where this bill has came from. It's says the original debtor is XXXX XXXX on a one month term agreement opened on XX/XX/XXXX. Experian responded back saying I was sent paper work out on XX/XX/XXXX. That's a credit report!!! yes, I got a credit report, but nothing EVER came from either one of the companies, concerning a delinquent account! I HAVE NO IDEA WHAT ACCOUNT THIS IS! Then Experian have the nerve the say they contacted the data furnisher and had them verify the account, well how come I'm the consumer, it's on my report, and I'm freaking clueless of how they verified the account, and what this account pertains to. It's more than just saying oh well we contacted the furnisher and they verified the account, well provide the consumer the paperwork, and signatures..I 'm not just gon na take your word, for all I know a investigation may have not been conducted at all. I need to see something because I've googled the original debtor and from what I see I don't have no association with nothing they deal with.
Product: Debt collection

XXXX ( or XXXX ) XXXX company XXXX has repeatedly contacted me regarding a debt they have listed as ref XXXX, and for which I dispute and have records to prove their information is incorrect. 

They have repeatedly used threatening tactics such as : 1 ) threatening lawsuits 2 ) Pretending to be a separate 'document service delivery ' company implying litigation is imminent and 3 ) they have repeatedly denied my rights under the Fair Debt Collection Practices Act including : A ) They refused to give me an address to send a formal request asking for their documentation of the alleged details of the debt B ) They refused to honor my request to stop contacting me regarding the erroneous debt
Product: Student loan

I was supposed to be put in and reduced interest rate plan. I was in this plan the previous year and the guy said he was setting up the plan again for me. So I set up my account to have a certain amount of money taken out that would cover my XXXX private loans. It looks like it was good and working up until XXXX and then all of a sudden the money getting taken out did not cover all my loans. Therefore causing me delinquency on my account and also a late payment fee. This is also happening the past when it was XXXX and that messed up my credit really bad
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Social security # XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystem reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account that opened up by XXXX XXXX XXXX Acct # XXXX This accounts have resulted in fraudulent activity appearing on my consumer CHEXSYSTEM report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. I've attached the consumer report stating The account that is showing fraudulent activity on my chexSystems and early warning system report. I do not recognize the aforementioned accounts. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.

Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.

On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.

We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.

This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.

In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?

Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.

Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.

I want Ocwen to review the borrower for a short sale, like they told her they would.
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. XXXX XXXX XXXX XXXX  Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I dont understand why you keep tampering with my credit score. You correctly reported no data after XX/XX/XXXX which is when I closed my XXXX account identifier number XXXX after a dispute was opened on XX/XX/XXXX. My score went to 740. This was accurate. Then after I closed a different account XXXX account identifier number XXXX on XX/XX/XXXX you decreased my score by XXXX points to XXXX even though my average credit age increased because that account was only open XXXX mths, had only {$2000.00} of credit on it and was never used. Then you modified my actual dispute inaccurately which you had started reporting correctly and went back to reporting the XXXX account id number XXXX with data after XX/XX/XXXX even though I closed that account in XX/XX/XXXX and dropped my score an additional XXXX points to XXXX.
Product: Credit card or prepaid card

Over two years ago I closed a Barclays Choice Privilege Credit card ( XXXX of XXXX ). In the Spring of XXXX, I received a {$10.00} charge on that same card that has been closed. I immediately called and told the associate the I closed this account, in which she agreed and would forward the complaint. I have sent two letters to Barclays in which their response on the first letter was for me to call the number on the back of my credit card. I then sent a second letter explaining that the account was closed etc. I then called a representative and she go a supervisor on the line and they explained it would be taken care of, which it wasn't. Now, XXXX months later, I continue to get emails that my account is delinquent etc. Keep in mine, this company has ruined my credit rating which went from XXXX to XXXX in a short period of time all over a {$10.00} charge the I did not make. Finally on XX/XX/XXXX I got a letter they have closed my account for suspicious activity ( which they did not ) as I closed it over 2 years ago. They also stated that I would not be responsible for the charges during the investigation.The investigation should be simple, the account was closed 2 years ago and the charge came in a year and one half later. As of today, I continue to get emails that my account is delinquent
Product: Debt collection

XX/XX/XXXX received discharge of debt. XX/XX/XXXX XXXX intercepts my taxes claiming it was for past loans and XXXX. Even though they sold this account to Harris and Harris in XX/XX/XXXX according to their records I was never notified that I owed a balance to XXXX or any other fee.Therefore not allowing me time to dispute or address any issues.Central collection then sells debt to Harris and Harris an independent collection company. They both was trying to collect the same amount of money.After providing proof of the error XXXX lawyer refuse to speak to me and the employee lawyer refuse to answer my call and address the issues at hand.I have continuously received bills stating the bill is for something else and I continued to dispute all bills..After contacting Harris and Harris and informing them that this debt was discharged they continued to contact and threaten me in regards to this discharged debt.As of today I have not received any remedies from the collection company. I have also requested additional document in which they refuse to provide.These companies have reported to the credit bureaus that I do n't owes these monies in XX/XX/XXXX but continue to try and collect the same monies they stated I do not owe.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Product: Debt collection

I just was made aware of the CFPB 's Consent Order against Portfolio Recovery Services ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by Portfolio in the amount of {$3600.00}. Portfolio did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by Portfolio along with my XXXX credit report showing negative action from Portfolio.
Product: Debt collection

This is a response of a previous issue with a medical debt where I can provide the case # XXXX I did file a care concern, obviously when I called the very rude and not understanding representative on the phone. I did not agree with the bill and if the hospital was able to help me I would have gladly paid it, But in my case, when the hospital or XXXX said there was not much that could be done and used wrong supplies on me. I was mistreated and was in the same exact amount of pain when I left. I was not able to sleep all night from the pain and the next day needed to seek further care and treatment since XXXX was not able to help me. 
I will file a complaint with the physician board, dept of insurance, and any other related dept, that overlooks hospitals if I have to. The XXXX that tried to assist me did not have the proper equipment and if she knew that, then I should have been informed that and would have refused service. Bottom line is that I needed to go out of my way because of the pain and spend more money to ease the pain I was experiencing. I went out and have proof of purchase to a beauty supply store that sells small scissors, the same ones that you would find at a nail salon when cutting your fingernails. I was easily able to cut the finger with the small sharp scissors to the point where it was not bending backwards and causing any pressure anymore. I am submitting the line item from my credit card statement and actual image of the product I purchased the following day. 
You can also see a comparison of the a similar size pair of scissors vs the ones the hospital should have used in my situation. 
Would you cut your own fingernails with the same pair of scissors designed to cut construction paper? I included backup photos of the proof after how it looked when i treated myself after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent letters to transunion and XXXX  about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX.these negative items are stopping me from getting a home and car, plus added stress causing me to go to the doctor more for medication
Product: Debt collection

Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

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

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.
Product: Bank account or service

I have been charged an overdraft fee of {$86.00} from Iberia Bank and I am concerned. When I checked to place the balance of an amount. I called on XXXX/XXXX/16 or around that time and I had an incident with a fee and it could not be reversed from the company. I had to leave and go to XXXX just came back and saw an overdraft fee in the amount of XXXX odd dollars. The day of the overdraft I called and asked for an overdraft fee not to be placed on my account. I have had discusions before which have been very cordial with this bank. When I go to this particular branch there is a lady who is quiet rude and at times, maybe does not realize how condescending she may sound, XXXX. That has not been the first time with me, I am a student and I travel which at times it is hard to go into a branch. I called XXXX and that is where they transferred my call to. I have just come back to see this amount on my account ending in XXXX. Iberia Bank. The corperate number is XXXX.