23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been logging complaints against Ocwen since XXXX and still my issue and those of at least XXXX other individuals have not had closure with this inept and corrupt company. How long will they be allowed to stay in business and disrupt peoples lives? Their stock continues to drop like a rock. I believe at the time I registered my first complaint, OCWEN stock price was approx. {$60.00} per share. As of right this minute it is trading at {$1.00}. How long before this company is de-listed and sent packing and those who run this company sent to jail? And when will all those people who have been ripped off be compensated for their losses because of this company? 
Again, in my case they have been/are in collusion with XXXX XXXX XXXX XXXX. and their legal representative XXXX XXXX. They were attempting to sue me for approx. {$35000.00} dollars and then settled with me, out-of-court for approx. {$5000.00} and then went directly to Ocwen and received money from them without my knowledge. Then as recent as a couple of month ago in XX/XX/XXXX and STILL do this again for approx. {$7000.00} which OCWEN paid them ( XXXX ) even though this has yet to be rectified. 

I do n't know what else to do/say. Ocwen, should until this gets resolved at the very least, be banned/bared from foreclosing on anyone else. 
As usual I am afraid OCWEN will go under before they can pay me or anyone compensation for all their wrong doing. They are attempting to foreclose on me again ( this is about the 3rd time ). This needs to be stopped NOW. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off XXXX. I told the credit bureaus to '' INVESTIGATE every piece of information '' on the accounts I have listed below. Also I have attached letters I sent out and here is the tracking number XXXX According to the FRCA The term '' INVESTIGATE consumer report '' Means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX , XXXX account # XXXX, XXXX account number # XXXX, XXXX XXXX XXXX account # XXXX , XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reportin agencey can not furnish a account without my written instruction
Product: Checking or savings account

My direct deposit was sent by my employer and is being held by capital one
Product: Debt collection

This company keeps calling for someone who isnt me and leaving a XXXX XXXX saying that there is a XXXX  waiting to be delivered. This is a clearly a lie to get XXXX XXXX to call them back. Im NOT that person, Ive blocked several numbers and this tactic continues for over a year. When I called back the number from a rerouted phone to tell them to stop calling, its IRC who picks up. I told them to take my number out and she hung up on me. I called back and she said I just spoke with you and I said yeah and you dont know what number to even take out Like stop harassing the WRONG PERSON and stop being shady about who you are
Product: Credit card

I paid my bill on time, the last time was on XX/XX/XXXX. On XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to protect my home from foreclosure. I voluntarily dismissed my bankruptcy on XX/XX/XXXX. I forgot that XXXX was a holiday, so I tried to set my billpay to make my payment on the due date of XX/XX/XXXX. My credit union could not set it up because of the holiday, and the payment would have been made on XX/XX/XXXX. I went to make the payment online on XX/XX/XXXX and I could not because the account was closed. I called Care Credit/Synchrony Bank and was informed that my account was sold to a debt collector on XX/XX/XXXX despite me never making a late payment. This will damage my credit, especially since I was never late.
Product: Bank account or service

On XXXX XXXX, I had XXXX items on my eBay shopping cart in order to be purchased. The eBay system divided the purchase in XXXX sets of XXXX items each XXXX. The first set for the amount of {$450.00}. During the checkout of the first set, I chose to pay by PayPal Credit which had XXXX options, 6 months to Pay and Easy Payments Plan of {$42.00} for 12 months. When I pointed out the Easy Payments Plan I had to log in to my PayPal account in order to ask for credit approval which after about XXXX seconds was approved. The PayPal credit option was active ( not grey ) and pointed out with a big blue dot and I was able to press the button, Confirm and Pa, which I did. Then, I did the same process for the second set of XXXX items for the amount of {$880.00} which also was approved to be payed using PayPal Credit-Easy Payments Plan of {$42.00} for 24 months. 

Next day my XXXX XXXX XXXX checking account was charged for a total amount of {$460.00}, and over drafted, by which my bank charged {$140.00} fee. This charge was done for the first set of items which were charged as if I had chosen PayPal instant transfer and I did not, I chose PayPal Credit which appears on eBay files. On the other hand, XXXX items belonging to the second group transaction were paid using PayPal Credit and the XXXX others are freeze, they appears as bought but no estimate delivery available. 

I called to eBay and they said the Payment method I used was PayPal Credit and in order to clarify the situation I had to call to PayPal. So, I have called many times to PayPal Credit and first time they said that I had used instant PayPal and they gave me a letter where they say to my Bank, " the customer unintentionally used their bank account instead of PayPal Credit to fund an instant PayPal payment '' which is not true. Then they said that I had not credit and for that reason my back up account was charged. Currently, I continue receiving promotional mail about PayPal Credit Easy Payments and I still continue being approved to pay using PayPal Credit-Easy Payments Plan. Why PayPal offers false expectations? Their Computerized system is failing and the users are not responsible for that.
Product: Credit reporting or other personal consumer reports

Experian credit bureau has violated my due process to dispute accuracy of my credit report, they continuously refuse to allow me to dispute and challenge the accuracy of the reported removal date listed on my credit report with XXXXXXXX XXXX credit card as it has past the XXXX statue of limitation! I have challenged this accuracy with both XXXX and XXXX and the creditor agreed to remove this acct from XXXX and XXXX based on the 7 yr statue of limitations law .. as Experian continues to favor the creditor reporting as accurate and continuously refused to allow me to challenge a dispute violating my rights with fair credit act.. I am requesting they remove and stop illegally holding my credit opportunities hostage! ALL XXXX  CREDIT BUREAUS SHOULD BE REPORTING ACCURATE AND CONSISTENT
Product: Debt collection

upgrade said I took out a loan on XX/XX/2022, This is the first time I heard from them. I never applied for or received any money from them
Product: Debt collection

I am writing to request that you remove a collection from my consumer report. The collection is for XXXX  ( Original Creditor : XXXX XXXX XXXX  ) ]. Date opened XX/XX/year> I believe that the collection agency has violated my consumer rights, the agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), and I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to my consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am enclosing closing copies of the relevant laws for your reference. I request that you investigate this matter and remove the collection from my consumer report immediately. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent has violated my rights 15 U.S.C 1681 section 602 A States I have a right 's to privacy 15 U.S.C 1681 section 604 A section 2 also states a credit consumer reporting agency can not furnish a account without my written instructions. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX  XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i contacted this company and requested to have my account closed and deposit returned
Product: Bank account or service

I had a credit card that was secured. 
It was closed as I did not pay on it. 
But they did not allow this option for me when I did have funds to begin paying and called over the phone several time but get no where with them. 
now it is on my credit report listing incorrectly an amount owed? 
My secured amount was XXXX I owe XXXX as they have the secured amount?
Product: Credit card or prepaid card

I am writing to report predatory advertising by a company XXXX My mother, who is a XXXX, received a prepaid XXXX XXXX  as a " reward '' for completing her XXXX  appointment. One of the methods to activate the card is to call the number XXXX ( see attached ). Upon calling the number, an automated attended inquired whether anyone in her house was over 55 years of age, and then notified her that she was being selected for a " special opportunity. '' She was not provided an opportunity to opt-out before being transferred to a live agent, and the automated attended aggressively and repeated demanded that she press 1 now. A live attendant aggressively launched into a high-pressured pitch to sign up for something regarding XXXX benefits XXXX Despite shouting to the attendant to stop talking ( she only wanted to activate the gift card ), my mother eventually had no choice but to disconnect the call. With my assistance, my mother was able to use the XXXX code to bypass the aggressive sales agents and activate the card. I ask that the CFPB investigate this predatory marketing scheme. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting a late payment. However, I made all payments on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law. 
The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting this error for reference. The incorrect late payment is reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with XXXX XXXX XXXX XXXX, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived with XXXX XXXX back in XX/XX/2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to XXXX XXXX credit card company. Thank you XXXX XXXX
Product: Student loan

I believe that aggressive pressure was used to get the applicant to sign the loan. I was mislead about when my responsibility as a guarantor would end. I was told 5 year. I didn't hear from then for 13 years about the loan. I asked to be released as the loan payment where greater than two years as is their requirement. They are making it impossible for me to be released so I'm requesting copies of receipt of notification of the loans being sold/transferred as is required by law. I'm asking for a copy of the original loan too see if I have arbitration rights and I'm asking for an accounting on this loan since its inception in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2023 I called the company at XXXX and I told them that I didnt have an account with them but it shows my credit report and all such.. They were asking me to verify all my regular information and I had to type my social in order for them to see if they can find my account but they couldnt so I got transferred to customer service and I told them my social and when it came to verifying my home address they said it doesnt match what was on file and Ive been living at my house for a couple years now. I said if they could do anything about it but they told me I have to go through transunion to fix it but they are saying information is correct but Ive never heard of this company before or opened a credit card account with them and its really affecting my credit score
Product: Credit reporting or other personal consumer reports

I got a notification of XXXX loan from XXXX on XXXX and a hard enquiry on XXXX from XXXX.
Product: Debt collection

I have repeatedly contacted Portfolio Recovery Associates to address significant issues with their reporting practices to the major credit reporting agencies. Portfolio Recovery Associates, as a debt buyer, has purchased very old debts that are far beyond the statute of limitations for collection. Despite this, they have deliberately misrepresented the dates these accounts were opened, falsely reporting them as recent. 

This calculated and deceptive tactic severely impacts my credit score. As bad debts age, they naturally lose their negative influence on credit scores, allowing individuals to recover financially. Portfolio Recovery Associates is fully aware of this and appears to manipulate reporting dates to unfairly damage my credit. This unethical strategy not only pressures consumers into paying debts they are no longer legally obligated to pay but also punishes them further by tarnishing their credit profiles. 

Adding to the injustice, these debts stem from the challenging XXXX years, a time when countless people faced unprecedented financial hardships. Instead of showing understanding or adhering to ethical collection practices, Portfolio Recovery Associates seems solely focused on exploiting this vulnerable period to unfairly extract money from consumers. 

This behavior is not only morally reprehensible but may also violate consumer protection laws. I demand that Portfolio Recovery Associates correct these inaccuracies immediately and cease engaging in practices that harm individuals who are already striving to rebuild their financial stability.
Product: Credit reporting or other personal consumer reports

I mailed a letter requesting that the personal information section on my consumer report be corrected. I specified precisely what information needed to be corrected.
Product: Debt collection

Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.
Product: Debt collection

The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX  SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
Product: Debt collection

I am writing to file a formal complaint against LVNV FUNDING LLC regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), LVNV FUNDING LLC has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, LVNV FUNDING LLC 's non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. I urge the CFPB to investigate this matter thoroughly and take appropriate action against LVNV FUNDING LLC for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Product: Credit card

Was in the process of making orders like normal. Card kept getting denied/rejected, shortly after logged into app and found an alert saying to verify my transactions. A XXXX number was provided through the app and I called. Got connected to a live rep, who asked a series of questions related to account security. From the security text message, childhood nick name. I refused and was then asked for full credit card number which I refused and was then asked for other cards/accounts that I had with Citibank. I refused to answer all of the questions and hung up. 

Reviewed the Citibank app and website and there is not other way to contact customer service. Per their text message of them stating they will not call or text for the security code, and common knowledge of not giving you full credit card information to unverifiable/sketchy representatives, there is no way to reactivate my credit card. A search on Citibank shows this issue has been ongoing with other customers as well. 

So either the bank is terrible at security, lacks review of their security measures, missing common sense, or their app and web site has been compromised by scammers. This is a terrible methodology of security, locking customer cards without notification and an abysmal procedure to unlock the credit card. I would be stranded with no way to pay for bills/purchases if this had happen while I was out and about. The inability to unlock your account without compromising your personal information and account information to unlock if this even was a real representative from Citibank, is an invitation for scammers/data leak. There needs to be an investigation/oversight in this process and the lack of accountability with account security with this bank, if they are so incompetent with something this simple ; Im not sure how great they can be with other aspects of consumer protection.
Product: Credit reporting or other personal consumer reports

I dont think you realize just how stressful this situation is for me. These inaccuracies on my credit report are making things even worse, and its like a never-ending nightmare. Ive been trying to get this fixed for the past two months and havent heard back. Im really struggling here and need this resolved urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX 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 my written instructions