23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a debt that has been cleared up with XXXX XXXX. They actually owe me money due to an overpayment. I have asked 3 times for CCS Collections to stop calling me but they wo n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX. 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

3 credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX  XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements.

Summary of Errors on Account The XXXX  XXXX account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for XXXX, Experian and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by XXXX and Experian, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

AAMS ACCOUNT NUMBER XXXX BALANCE OF XXXX THIS DEBT IS NOT MINE. I DONT OWE AAMS ANYTHING
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.
Product: Mortgage

Ocwen Loan Servicing has caused me years of extreme harm attempting to embezzle my property to enrich themselves. 
( 1 ) I Attached my XX/XX/XXXX drivers license with my signature on it.
( 2 ) After the year XX/XX/XXXX is when I changed my signature the way that it appears on recent documents. 

( 3 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification and the schedule A without my signature and initials that Ocwen Loan Servicing sent over to the CFPB responding to my consumer complaint.
( 4 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification with my forged signature on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 5 ) I attached the bogus American Home Mortgage scheduled A with my forged initials on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 6 ) I attached the bogus XXXX with invalid tracking number that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
Ocwen Loan Servicing is running a unorganized crime operation paying its employees high salary 's to become professional pathological liars, training its employees how to harm as many homeowners as possible - embezzlement. Ocwen then uses the money that it embezzles from homeowners to pay lawyers who will turn a blind eye.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

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/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX and XXXX to remove from my inquiries no action taken. 

Capital One Auto Finance reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

XXXX Card was reported on my inquiry on XX/XX/XXXX did not apply for a XXXX card and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.
Product: Debt collection

Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After American Express posted their interest charge to my credit card account, the very same day they proceeded to report my credit card status as " over the limit '' which dropped my credit score 25 points. The 2nd day after this event occurred, I paid the over the limit amount which reduced the balance below the limit. More than a week later, my account is still being reported as " over the limit ''. Therefore, an update to the credit reporting bureaus must be done immediately ( as quick as they were to report the over the limit status would be fair ) to reflect an accurate status.
Product: Debt collection

XXXX XXXX  and the lawfirm XXXX are trying to garnish wages. XXXX named 3 to many XXXX on the bill so insurance did not pay. They are now trying to sue without proper notification. I learned of this garnishment from a mailing I received at an incorrect address. This has been going on since XX/XX/2020. The last 2 court dates I have had has been pushed out because, I have not seen he actual documents. Each court date their is a different lawyer and nobody can tell me what is going on.
Product: Mortgage

The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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

Experian is operating a scam credit reporting service. Watch out! Experian bombards consumers with ads. Within those ads are suspicious and hidden subscriptions. 

As the personal financial XXXX to the military, I continually check Experian for information to share with thousands of soldiers and families. On at least two occasions Experian has began charging me for a monthly report, that I did not subscribe to. When I discovered it again on my credit card, {$14.00} per month, I called them to immediately cancel it and requested a refund for two months. It refused! 

As a personal financial XXXX and XXXX XXXX XXXX, I have a fiduciary responsibility to warn all soldiers and families, including thousands, of the sneaky and unintentional scam tactics of Experian. I consider myself well aware of scams and Experian is duping thousands of unwary clients who depend on it as a credit bureau. 

In no way, did I intentionally subscribe to Experian 's monthly credit reports. I am notifying military leaders, the Michigan Attorney General, and all soldiers of this scam as I routinely speak to the groups and individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 usc 1581 b. Report was furnished without having my written consent. which is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous dispute letters and XXXX reports to XXXX, Transunion, and XXXX to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXXXXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.
Product: Vehicle loan or lease

Company has called 23 times in 48 hours left 8 voicemails NOT identifying the company they are with. Most calls are back to back with in 1-4 minutes of each other. I am in able to answer calls during business hours of XXXX XXXX to XXXX XXXX MST due to my own working hours or due to my location. I have made payment arrangements with the company and will call to make payment over the phone when I am available to do so not at their convenience. This is my first late payment and this is how you are treated. Wow what a sad disappointing company. If I could refinance elsewhere I would IMMEDIATELY! DO NOT FINANCE WITH NATIONWIDE ACCEPTANCE CORP.
Product: Credit reporting

i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.
Product: Credit card

The issue : On XX/XX/year> I called commenity bank/Bread Cashback Card which is the bank/credit card I have. I requested that they direct deposit my {$1100.00} into one of my bank accounts. I have verified with them on four separate occasions that the banking information was correct but still after more than 4.5 months I have not received the money into my account and nor does it show up in my rewards balance on the credit card. 

My attempts to resolve : I have called in 13 times and have spent many hours on the phone talking to a supervisor nearly every time. They have tried raising two disputes through their system and each time they have cancelled it for reasons even unknown to the person speaking with me on the customer support line. They dont seem to know the issue but I have been told by them that this process shouldnt take any more than 3 weeks at the longest to receive a direct deposited into my account from the time I request it. I have been lied to multiple times where three different supervisors have said that they will call me on a specific day and they have not done so each time. Every time I call in I have to speak to a new person because they say there is no way to to reach out to the previous person but then when calling the supervisor they say they will send a message to the previous person. I have also been told that they are unable to make outbound calls when like mentioned they have promised to call me. No matter that I do, or how hard I try, nothing happens and no one is being accountable to me because I have to contact a new customer rep every time.
Product: Credit card or prepaid card

On XX/XX/XXXX charges were made to my credit card without my knowledge or consent. On XX/XX/XXXX I noticed the charges on my credit card. I immediately called Chase, my credit card company to report the fraud. They did an adjustment for me while they investigated. On XX/XX/XXXX, the charges were placed back on my card saying the fraud claim was lost because I received benefit from the transaction. I immediately called Chase to dispute this and showed proof that I received no benefit. In fact, I was charged for something I did not receive. I received another letter on XX/XX/XXXX that stated that any future requests or correspondence regarding this matter, with the exception that it contains new information will be filed with your account records and you will not receive a response. I then contacted the company ( XXXX ) that we had a dispute against. They stated they received a chargeback from Chase and were out funds as well. They provided me with proof that Chase debited funds from them on XX/XX/XXXX, the same day I was charged for something I didn't receive. I'm not sure why Chase would keep the money and close our case, but I am a victim of theft. Chase states they gave the company back the money and the company should refund me, the company states Chase debited the money and they have no funds to refund us back for a purchase we didn't receive. They advised us to take it up with Chase. I did take it up with Chase and they refuse to talk anymore about the matter, even with faxed proof that we in fact, are being charged for goods, we did not receive. Thanks for your time and attention to this matter.
Product: Mortgage

As of XX/XX/year> I purchased fire insurance- this took me awhile to get so Specialized Loan Servicing ( now known as ShellPoint ) procured insurance and they opened an escrow account to service the payment of the insurance. 

I have asked since XX/XX/XXXX to have the escrow account I have done this via email, phone as well as certified letter. 

I am being told by this company that escrow has been closed but they are still charging me for lender placed insurance that said company is closed. 

I want my monthly payment to reflect the closure of the closed escrow account since I have my own insurance and again I pay my own property taxes - always have. 

I also would like to have them pay me interest on the monies they have held illegally from me...
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to temporarily lift credit freeze with Equifax, Could not access my account even though I had all the correct information. 
They locked my account despite changing password etc. spent XXXX hour on phone with them and was told I had to wait another XXXX hours as they unlocked the account. I needed to get it unlocked immediately. We would not have to have credit freeze on account if it Company would have kept out information secure and now we can not access it. Something needs to be done about this
Product: Checking or savings account

Cash app XX/XX/year> XXXX was supposed to be refunded and never was. 
I have screen shots of conversations that went on for over a month.
Product: Credit card or prepaid card

I notice this Month XX/XX/2022 that the interest charge amount was high. I started checking all my monthly statements back one by one. I was paying an APR Of 11.99 and they started raising it WITHOUT notice every month.As follows, XX/XX/3022. 11.99. % XXXX XXXX 12.24 % XXXX XXXX. 12.24 % XXXX XXXX. 12.74 % XX/XX/2022. 13.49 % XXXX XXXX. 14.24 % XXXX XXXX. 14.24 % XXXX XXXX. 14.99 % XXXX XXXX. 14.99 % XXXX XXXX. 15.74 % I called customer service for this credit card and ask why they increased the APR and why they didnt notified in order for me if I want to decide to keep the Credit Card or closed it. Their answer was just that the government increased interest not them I asked asked again. Why you didnt sent me a letter informing me. And I got no answer. 
I have the monthly statements where it shows the increasing
Product: Credit reporting or other personal consumer reports

There is incorrect personal information on my EXPERIAN credit report, that was disputed on XX/XX/year>. EXPERIAN has resisted making the disputed inaccurate corrections to personal information section of their website, and EXPERIAN instead making the corrections is " parking '' this inaccurate personal information. 

This is a FCRA VIOLATION 15 U.S. Code 1679c - A person or CRA 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.

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 

To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed, ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be XXXX correct address listed on my report, which is : ( XXXX south XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 


There should also be no name variations listed because my name has no variations. As stated on Experians website, i can use a copy of my current bill. Enclosed is a copy of my current insurance bill, & a copy of my Experian credit report. Make sure of the correct spelling of my name. 

Please remove inaccurate employers ( Business ) as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear dame or sir, Yesterday, I had just received a letter from a lady whose name is " XXXX XXXX '' from a mortgage company named " Sun West Mortgage Company , Inc. NMLS XXXX ''. Other than my credit scores included in her letter, I did not understand anything else out of this letter at all. I have no communication of any kind with this lady or her company. Other than " XXXX XXXX XXXX XXXX XXXX XXXX  '', which I had already submitted a complaint against with you last week, I do not have any kind of communication at all with this particular company! Unless both companies are connected somehow, which I defintely have no idea about. I had tried to call the phone number she provided in her letter many times, without any kind of answers at all. Meanwhile, I left her 3 different messages to call me back, which had never happened. 
I have no idea what to do with this lady or company who is asking me to sign a paper called " Fact Act Notice '', which I DO NOT REALLY UNDERSTAND and HAVE NO IDEA WHAT ABOUT?! Therfore, I decided NOT TO SIGN THIS PAPER AND SUBMIT ANOTHER CLAIM WITH YOU AGAINST THIS LADY AND HER COMPANY, WHICH I HAVE NO DEALS WITH OF ANY KIND. 
I would really appreciate taking care of this second `serious and major trouble of my terminal stage of my life, which I have no idea what to do with. If this company ( Sun West ) is a part of the other one ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and unable to peocess my refinance for my houses, I WOULD REALLY APPRECIATE TO ASK THEM GETTING MY {$3000.00} BACK. 
Sincerely, XXXX XXXX XXXX