23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have put my home up for sale and the new buyers lender wants a copy of the title. I only owe {$4000.00} on the house. It is a Manufactured Home. I am having a problem getting the information and have been on the phone virtually everyday for the past 2 weeks with XXXX which apparently is part of Southwest Stage Funding XXXX. They are required by law to supply me with this information within 7 days and we are now approaching 20 days. I've been dealing with a very nice lady by the name of XXXX and she has tried very hard to try and get this information for me. She has even gotten her Director involve and yet still nothing. I am about to lose this sale as well as a job transfer in another state because of this problem. It is also a violation of lender law to inhibit the sale of a home.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XX/XX/XXXXcredit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Product: Mortgage

Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.
Product: Mortgage

PHH Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Short sale was started on XX/XX/19. There has been no end of issues with PHH on this file. ( Being bought by Ocwen has drastically turned their servicing for the worse. ) STILL Having MASSIVE PROBLEMS. PHH doesnt seem to know how to manage their documents. We continually have to re-send the same documents OVER AND OVER AND OVER AND OVER to them. They might even confirm they have received the document, but on the very next call we are told they have not received it and we need to send it in AGAIN!!!!!!! 

-- -- -- -- -- -THIS IS NOT ACCEPTABLE -- -- -- -- - If PHH can not  manage their documents they need to be shut down. 


Do we just need to send the short sales to PHH via a CFPB complaint from now on?? Maybe then, FINALLY they wont lose the documents? 

CC : 1. OAG 2. XXXX XXXX 3. OCC
Product: Debt collection

I have contacted XXXX XXXX numerous times to resolve this matter and they havent responded for XXXX  XXXX to cover the claim they gave my birthday items to the wrong house when I told them to stop the package I was in XXXX celebrating they lost it and years later Im still having to handle this matter empty handed
Product: Credit card or prepaid card

I have a Chime checking acct. For the last 5 months my unemployment benefits have gone to this account like clock work. The same day the same time every single week never any different. On Monday XX/XX/2020 my unemployment benefits were releases to my bank acct via direct deposit. Today is now Friday XX/XX/2020 and my money is not in my account. I have called numerous times and they keep saying its my employer but I have proof it was sent. It is happening to thousands of people and only people with Chime. Everyone else got paid. Its not everyone 's employer all over the world. My money is always in acct by Tuesday morning never any later. Chime is not providing no answers just lying to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Once again I attempted to resolve a severe case of Fraud affecting my entire life with Capital One. 

I am a documented victim of faith, and the CFPB is required to protect consumers from the companies such as the Capital One who are violating the he Fair Credit Reporting Act ( FCRA ). Yet the CFPB has refused to take any action against Capital One for their clear and blatant refusal to follow the law ; the law the CFPB was founded to enforce. 

Around the XXXX of XXXX of 2020 I once again contacted Capital One concerning the fraudulent account they have in my name. At first a representative stated something about the dispute being closed due to " pictures being found ''. When I had the representative transfer myself to the department who could supposedly tell me more about those pictures the representative from said department XXXX XXXX XXXX changed the story refusing to address any mention of such pictures. 

She would then claim, lying, that Capital One has repeated refused to address this fraud because we had " never sent in a police report '', and if we sent one in it would be resolved. This is a lie, for the CFPB 's records has clear and undeniable evidence that I have submitted such police reports multiple times. Again, the CFPB has clear and undeniable evidence that Capital One is knowingly violating the FCRA in it's own records. 

I relented and allowed XXXX to once again send me a Capital One secured-link to reupload the police report. XXXX of Capital One 's Fraud Department who is assigned to handle such cases gave me a clear time frame to upload said documents. I informed her I would. However, I just received a letter signed by XXXX dated XX/XX/XXXX stating she " found no evidence of fraud '' and therefore the continued hindering of my and my daughter 's ability to have a home and improve my life will continue. It is clear XXXX and Capital One never had any intention of investigating anything as she never even looked at the evidence provided for she had never received it nor had she even thought to wait until the time frame had elapsed before ignoring the matter. 

There is no longer any doubt that Captial One is violating the FCRA and consumers rights and I am certain you have plenty of cases of consumers who are being hurt by Capital One 's abusive. We demand to reached out by phone by the CFPB legal department to discuss this matter.
Product: Credit reporting or other personal consumer reports

To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]
Product: Credit reporting

HI HOW ARE U MY NAME IS XXXX AND IM XXXX ABOUT MY CREDIT ITS AFFECTING MY HEALTH AND MY QUALIFICATIONS TO LIVE SUPPORT MYSELF.XXXX ,XXXX,AND EQUIFAX HAVE DENIED MY DISPUTES AND AT TIMES HAD THE WRONG INFORMATION ON MY APPLICATION.IM CURRENTLY SEEING A XXXX XXXX AND IAM TAKING XXXX DUE TO XXXX PLEASE HELP I FOUND U THRU XXXX MY CONTACT NUMBER IS  AND EMAIL IS XXXX.
Product: Checking or savings account

On XX/XX/2023 I made a deposit of {$2400.00} cash at the TD bank ATM at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
The ATM didn't proces the money and didn't return them, but asked me for the amount and printed me a receipt that says " forced deposit " Next day I checked my account and noticed that was a deposit correction of {$1100.00}, I've been calling them letting them know that im late on my mortgage because of this has been a week and besides apologies haven't got any help from anyone that I spoke face to face at the bank site nor over the phone, if this isn't a robbery  I don't know what is
Product: Student loan

Had my business accountant look through my XXXX year student loan payment history. He feels overpayments were applied incorrectly and were not applied to the principle correctly on many occasions. I have contacted Navient in the past and XXXX assured me that payments were processed correctly. I have no background in financial accounting so I can not confirm that is the case. I'd like Navient ( my student loan servicer ) or, preferably an independent XXXX XXXX review my payment history to confirm that all standard payments and overpayments were applied correctly- as Navient has a long, well documented history of erroneously processing and applying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN -XXXX XXXX XXXX****inaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX  XXXX XXXX***Re-aged Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX***inaccurate High Balance of {$1700.00} XXXX XXXX****inaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX**** ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Product: Credit card or prepaid card

Chase Ba nk USA keeps sending me a request for addition information regarding an AMAZON.COM Visa card that I have applied for with there Bank. This has been going on for several years. They s end the request too an old address where I use to live. I called them and requested that the remove my address from their mailing list. They wanted to give me a credit reporting agency number and Asked too speak with a surpervisior and was told that they would call me back which of course never happened. How hard is it to get removed from someone 's mailing list?
Product: Debt collection

I moved into an apartment complex called XXXX  XXXX  XXXX  XXXX in XX/XX/XXXX. When I moved out in XX/XX/XXXX, I paid off everything I owed to them, including utilities and whatever else I owed. In XX/XX/XXXX, I started receiving pre-collection notices in which threatened they were going to take further legal action if I don't pay. I was very confused by this since I paid everything off in XXXX and wasn't living there anymore. Why was I getting these emails in XXXX? So I called the office at the XXXX  numerous times and they offered no assistance, all they said were these are charges from XXXX. But I paid everything off in XXXX, to the manager. I tried to contact the debt collector and the same thing happened ; no responses. After a little while, a collection account popped up on my credit report. I'm not sure why this happened. I believe It was something personal because I seriously did nothing wrong. Im just a college student. This " {$110.00} '' is jeopardizing everything for me.
Product: Student loan

Im in forbearance and never asked to be. I have autopay set up and these months arent counting towards my PSLF. I requested that they correct my account so Im not in forbearance. There is no way for me to make payments. The response I got was a letter saying my loans were, and still are, accruing interest. I cant get them to actually answer my messages or a phone call. I should be done with PSLF but now I have to wait. This forces me to continue teaching even if I didn't want to in order to be eligible for PSLF. Their credit reporting is also inaccurate, negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to modify accounts that aren't reporting correctly.

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

A collection account from IC systems has been reported on my XXXX   and XXXX  credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX  and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter disputing XXXX fraudulent items on my credit report. Records show that they received this letter through certified mail on XX/XX/XXXX. Experian then started an investigation for these items, but as we stand today, XX/XX/XXXX of the year 2023, all of these fraudulent items are STILL on my consumer report. 

They claim to have verified the information and have kept this fraud on my report, causing me considerable harm. Because my credit report shows these items, I have been denied necessary funding for my brother 's education, which I pay for. I was not able to get any student loans for his school year. I have not been able to do much of anything financially because of all of this fraud on my report. This has been seriously detrimental to my life, including causing me health complications. Experian refuses to remove these items and literally claim that I have no authority over my consumer report, which is incorrect per 15 USC 1681b ( a ) ( 2 ).

Per federal law, written by U.S. Congress, the word Verification is defined as : A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called an affidavit of verification. 

I have asked Experian for this and they refuse to provide it. They claim that they have their own verification methods, which is against the FCRA. I need all of the items in my aforementioned letter REMOVED and NEVER put back onto my report. 

I am in contact with the debt collectors who claim I owe them money. Claims that I owe money are between me and the debt collector who is making the claim. Experian should not be separately reporting random information when I am telling them that it is incorrect and they are not legally verifying the information. Experian is fraudulently claiming that I owe money to companies that I do not owe money to, and parading to my prospective business partners the fact that my accounts are in bad standing, which is a lie. I have never had an account in bad standing for as long as I have lived. 

Experian has claimed to me on the phone that they did receive this letter and that they have a copy of it. I need Experian to remove everything that I outlined in the letter immediately, or I will be taking legal action.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i got scammed out of {$310.00} by a merchant known as XXXX XXXX XXXX  on cash app i dispute with cash app and its taking them a while to give me my refund. i brought a virtual item off XXXX  for {$310.00} and i never received the item as it was taken off my account and the merchant couldnt give me a refund saying its not their problem. im currently trying to dispute it with cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( TRANSUNION ). 

COUNTY OF XXXX XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.