23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen Loan Servicing has been making a disaster of my account for months. I applied for a modification 6 months ago. Ocwen put me on a trial modification plan at that time. Since then, they have LOST payments, returned payments, sent letters they had not received payments ( when I have the receipts for those " unpaid '' payments ) and have really NO idea what they are doing. I asked them on countless occasions ( called them over XXXX times since the first of the year ) WHY XXXX person at OCWEN has NO IDEA what the other is doing. The last time I spoke to a supervisor, he gave me the reason for all the confusion as being the fact that my " file is over XXXX inches thick. '' He assured me, as all the other people always did when I 'd call, that he 'd " look into it. " I finally received the loan modification agreement for me to sign and have notarized last Monday. Tuesday, the XXXX, I had it signed and notarized and back in the mail to OCWEN. 
Meanwhile, I again receive a notice that OCWEN never received my XXXX and XXXX payments. I have receipts for both. ( That 's when the supervisor told me he 'd look into it. ) Then, yesterday, the XXXX, I received ANOTHER notice from OCWEN that my account was now in default. 
This XXXX has been going on too long. I am afraid that because of OCWEN 's inability to keep even the simplest of facts straight, my already shaky credit score will suffer. 
Can you help, please? 
Thanks, XXXX XXXX ... I am currently unable to scan documents, so I am unable to send the last XXXX OCWEN notices : the " non-payments '' and the default letter I just got.
Product: Debt collection

Midland Credit management is sending me collection letters and I have never done business with this company. They have sent the wrong remarks to my XXXX, XXXX and XXXX profiles. This is not me or my account they must delete this from all Credit reporting agencies as per FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Experian Credit Reporting Agency. 

In XX/XX/2020 I filed a dispute report regarding missing data on my XXXX XXXX Account for the month of XX/XX/2020. 

I took the appropriate steps and filed an online dispute through Experian services and filed the report with the finance company ( XXXX XXXX ). 

The file and dispute was updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. 

I began to make a phlight ( 30+ ) of phone calls both to XXXX XXXX and Experian to drill down on who was at fault and express my sense of urgency. XXXX XXXX 's supervisor and team has handled the matter very professionally calling me back and delivering documents that show proof that they are sending the payment for the " missing data '' months to Experian. 

On XX/XX/2020 I called once again and an Experian supervisor expressed that she saw the payments reported from XXXX XXXX and that it was a " technical '' issue and Experian was at fault. She suggest that I open up a " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at, hung up on and promised that the  problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at Experian is sure how to fix. 

Experian is liable for negligence and bad faith and fair dealing and damages caused to me because of such.
Product: Debt collection

I have received XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # 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 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c Date XX/XX/year> Amount : XXXX Company was notified never responded
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 To Whom It May Concern, This letter serves as a formal notice regarding my dispute with Equifax, which remains unresolved despite significant delays beyond the legally mandated timeframe. 

On XX/XX/XXXX, I spoke with XXXX, an Equifax representative, on a recorded line. The call began at XXXXXXXX XXXX and concluded at XXXXXXXX XXXX. During this conversation, XXXX acknowledged that Equifax is aware it is out of compliance with the 30-day time frame for processing my dispute. She confirmed that Equifax has not yet processed my case as required by law. 

For further context, I filed a formal complaint with the Federal Trade Commission ( FTC ) on XX/XX/2024. Despite this additional measure, no progress has been made on my case. XXXX failure to act in a timely manner is unacceptable and in violation of applicable consumer protection laws. 

I am requesting that all disputed inquiries be removed from my account immediately. If Equifax does not resolve this matter without further delay, I will proceed with filing a lawsuit to address this negligence and enforce my rights under the law. 

This letter serves as both documentation of the issue and notice of my intent to take legal action if Equifax fails to meet its obligations promptly. 

Thank you for your immediate attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer. 

2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because UMB sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX 
UMB advise that thee was nothing that could be done, XXXX XXXX was responsible
Product: Credit reporting

I continue to dispute an invalid lien labeled under ID # XXXX with Transunion. My initial dispute was of XXXX invalid and prematurely placed liens in the public records section of my file and one was removed but not the other. These liens have been removed as they were joint liens with another indiviual who has since cleared and removed them from his reports as well. Yet, TransUnion keeps denying me a proper investigation and the proof of verification which I requested via certified mail, such as the descriptions and the procedures used to verify the liens that have since been removed from my file at the clerks office. They deny me any documentation and though they have deleted XXXX lien they refuse to remove the XXXX invalid one. XXXX has already deleted XXXX liens because they are unverifiable and no longer on record at the county clerks recorders office. So how does Transunion have the ability or the evidence to keep this lien on file when I have informed them many times that it needs to be deleted from my file and the public records section of my credit report with them. Please, can the government assist me in holding them accountable for denying me my right to an accurate credit report and a proper investigation? Transunion continues to ignore my correspondences and refuses to provide me proof and yet they deleted the other lien and XXXX deleted both. It is very hurtful and I have to spend so much money fighting them on this invalid and unverifiable lien on my record while the other bureaus remove them without hesitation. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 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 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 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
Product: Money transfer, virtual currency, or money service

I had a wire transfer of {$10000.00} on XX/XX/2024. The money was sent from my bank ( XXXX ) to the recipient 's bank ( PNC ). The recipient 's ( PNC ) bank account was closed a few years ago, but the wire transfer still shows as completed. The recipient visited a PNC branch and confirmed that the account was closed, and wire transfers can not be made to a closed account. XXXX has already sent multiple messages to PNC to recall this wire transfer, but PNC has refused to cooperate, and there has been no response to their messages regarding the recall of the wire transfer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays. 
Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties.

Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX. XXXX  XXXX - Account # XXXX XXXX. XXXX  - Account # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

On Experian there has been items on that do not belong to me and other people Social Security Number is link to my credit report the had me married to my mother had several incorrect mailing address and things that was satisfied or good standard as negative and they reporting thing from XX/XX/XXXX or XX/XX/XXXX. Please investigate XXXX, Experian, XXXX for there reporting policy and procedure and ensure that are following United States Federal Regulations also check phone line option it did not give you a choice to speak to customer service representative because I call prior to going online to dispute item on my credit report what they do when you have a customer that do not have access to internet we do not have the right to dispute the item on my report. Please this is problem that occured and why does it take so long to receive a credit report.
Product: Vehicle loan or lease

I currently have Ally Auto Financial as my lien holder for my XXXX XXXX XXXX. Facts are as follows : - Hurricane Ibigal ; damage to my car and had to be towed to the body shop for repair on XX/XX/XXXXXXXX   - XXXX car payment plus half an additional payment was made. ** Least amount paid every month before the XXXX, ( due XXXX ) was the monthly amount due/no missed payments/most payment were 1 & 1/2 the amount due** - XXXX XXXX XXXX notified me of Total Loss on XX/XX/XXXX. Updated XXXX XXXX via app of Ally Auto Fin info include acct #, payoff amount, contact #, total Loss ), all XXXX XXXX XXXX info given incl. policy # claim #, adjuster name and #, fax # etc. Permission to allow XXXX XXXX to discuss the account as needed for payoff. Received a payoff, per rep on XX/XX/XXXX. - Per rep, I was told to NOT pay my XX/XX/XXXXXXXX   payment and to cancel the autopay which was already scheduled as " this would tie up the car 's payoff and lein release '' XX/XX/XXXX. Expressed my concerns regarding payment to rep. - XX/XX/XXXX, on three way with XXXX XXXX, Called, got transferred 8 times, and put on hold in between, total of 2 hrs. Ally couldn't give the payoff and instructed to call on Mon XX/XX/XXXX. - Called Mon, XX/XX/XXXX - XX/XX/XXXX, every day and was transferred to every department within Ally, with a cumulative telephone time with Ally of 16 hours. Every rep every deptt, " couldn't give it to me '' due to the system not generating. Requested manual calc - Credit Report updated per Ally, " Account Past Due '' on XX/XX/XXXX -Called Ally back with XXXX XXXX for another round of holding without payoff. Again expressing importance of payoff -Credit report updated " Delinquent '' - XXXX XX/XX/XXXX Called daily attempting to obtain payoff, Sent multiple emails, faxes and secure messages r/e payoff and importance, even beggins XXXX Ally FINALLY GAVE ME PAYOFF, including late fees that was their fault, @ XXXXXXXX XXXX/filed for repossessors at XXXX XXXX. Ruining my credit, no excess for down pmt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Account # 1XXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX # XXXX 4.XXXX bank XXXX # XXXX Has violated my rights 15 USC 1681 section 602 A -states I have the right to privacy 15 USC 1681 section 604 A- section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked experian to verify that credit acceptance was my debt. Experian keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. Experian is not verifying nothing with original signed documents nor are they even probably investigating these debts. Experian is horrible. Experian have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. Experian is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested from the credit bureau experian on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file report # XXXX and Acct # XXXX.

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and it still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block INC ) due to inaccurate customer service and unfair practices, which violate the customer financial protection ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer at ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been stolen and compromised and as a result several accounts are appearing my credit report. Ive reached out to the major three credit bureaus and have gotten any response. Enclosed is the following fraudulent accounts appearing on my report : 1.XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3.XXXX XXXX Acct # XXXX 4.XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate information known to be unverifiable.

Despite multiple disputes, TransUnion has continued to report this inaccurate information without obtaining proper documentation from XXXX XXXX XXXX or explaining their verification process. This failure to comply with FCRA not only damages my credit but also erodes trust in the dispute resolution process. 

If TransUnion can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.