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

Subject : Request for Investigation and Removal of Incorrect Repossession from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the repossession listed on my credit report by XXXX XXXX XXXX XXXX, which is being improperly reported by the three major credit bureaus. Despite my efforts to correct this inaccurate reporting, the credit bureaus have refused to remove the erroneous information, negatively affecting my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX XXXX XXXX required to provide only accurate and verifiable information to credit reporting agencies. If an item is inaccurate, unverifiable, or outdated, it must be removed or corrected. Additionally, under 15 U.S.C. 1681i, credit reporting agencies must conduct a proper investigation when a consumer disputes inaccurate information. Their continued failure to remove or correct this information violates my rights under federal law.

Furthermore, under IRS Code 26 U.S.C. 6050P, if a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C Cancellation of Debt form to the borrower and report it to the IRS. Since the vehicle was sold at auction, and if any deficiency balance was forgiven, XXXX XXXX XXXX XXXX was legally required to issue a 1099-C for tax purposes, which would indicate that the debt has been discharged. If such a form was issued, the debt should not continue to be reported as active or outstanding on my credit report. 
Since the repossession has been reported inaccurately and the necessary legal steps were not followed, I am requesting that the CFPB investigate this matter and ensure compliance with federal laws. I ask that this repossession be removed from my credit report to reflect the accurate status of my financial obligations. 
Please inform me of the next steps in resolving this issue. I appreciate your prompt attention to ensuring that my credit report is fair and accurate. 
Sincerely,
Product: Mortgage

I have been complaining about Ocwen loan servicing for a year now, they allowed a mortgage to be forged in my name, I contacted them about this, the dispute was resolved and Ocwen released me from the mortgage and bond, my name was removed from deed via a quit claim. Ocwen sent me a letter saying they would no longer report anything to my credit accounts with credit beurea. I have been seeking a mortgage and home for me and my kids and Ocwens now put the loan on my credit as a foreclosure, thus preventing me from obtaining a loan
Product: Credit reporting

This complaint is similar to the one I made on XXXX XXXX, XXXX against XXXX. Since then I was advised that I should also file against XXXX and Equifax , I filed against XXXX earlier today. This Complaint is against Exquifax and is essentially the same as filed against XXXX and XXXX. 

Complaint against Equifax : My credit reports list XXXX Mortgage with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX. In XXXX, XXXX Bank accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by XXXX, Equifax , and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX Bank as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
Product: Credit card or prepaid card

On XX/XX/2022, while I had my Citi Bank AA Advantage XXXX in my possession, there were XXXX charges that occurred at XXXX XXXX without my authorization. XXXX charge was {$230.00} and a second charge for {$90.00}. 

I completed a dispute through Citi bank but they said that because the card was not reported lost or stolen and the card can not be cloned, they can not reverse those charges.
Product: Debt collection

I am a federally protected consumer and I am fully aware that this company, Avant XXXX, is in violation of my rights. As of XX/XX/2021 I sent out a notice to Avant demanding a cease and desist through any and all mediums as well as consumer reporting agencies, I also enclosed a debt validation pursuant to 15 usc 1692g, Furthermore, I am aware that this company did not adhere to the subchapter or my demands and is therefore in violation of my rights. I am saddened to see that this company is still harming consumers by exercising unfair, and deceptive business practices and I may never do business with Avant XXXX again. Please refer to the attachments to see receipt of the notices, as well as the history of noncompliance.
Product: Debt collection

I may have chosen the incorrect option, as the option I needed to choose wasnt there. I wasnt notified of a debt in the amount of {$18.00} from the XXXX XXXX at XXXX XXXX for a service that took place on XX/XX/23. I did receive a final notice for a service rendered on XX/XX/23 for {$18.00}. I was puzzled to receive a " final notice '' since I hadnt received any bills from them. I paid them immediately upon receiving the final notice. And shortly after, I received a collections notice from Accounts Receivable Resources, Inc. ( a debt collections agency ). Im not sure if XXXX XXXX at XXXX XXXX are behind on their accounts or if this is racially motivated. I hope its not the latter. When I received the collections notice, I assumed that it was for the service I had in XXXX due it being the same amount. So, I immediately went to the Accounts Receivable Resources , Inc. website to dispute it. I waited a week for them to contact me, but there was no response. So, I sent a dispute to Accounts Receivable Resources , Inc. via certified mail. I just received a letter from them today, XX/XX/23, with the service details. I am submitting this complaint because this shouldnt have been sent to collections, especially such a small amount. I would greatly appreciate your assistance with getting this resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered I toilet which was not the one I received. I filled a dispute with Chase and was denied. I filed the same dispute with the merchant, XXXX 's, and they gave me a refund. I wrote Chase to inform them of this ( not asking for a refund since I already got it ). They sent a letter back on XX/XX/XXXX telling me that they were right and I was wrong.
Product: Debt collection

An individual or individuals purchased XXXX XXXX in my name. XXXX sent a bill to my home address and a notice from a XXXX XXXX XXXX XXXX XXXX XXXX  ) was received on the same day, prior to the bill and the notice, I was unaware of the breech. I called XXXX to dispute the bill the next day asking how the phones were ordered and what I needed to do. On XX/XX/2022, I filled out the XXXX Fraud Management by email at ( XXXX ) the recommended method of correspondence and received no response. I also explained to them that XXXX had notified me of the breech and was actively working to fix the problem. Thinking the issue was settled, I did not follow through any further, but on XX/XX/2022, XXXX sent my bill to a second Collection Agency . Once again, I contacted the AmSher Collection Services , IncXXXX explaining the situation and asking what I could do. They told me that I should write a letter, and submit a fraud claim through the XXXX website. I had already corresponded with Fraud Management by email on XX/XX/2022. An agent at XXXX said I should contact a XXXX store and find out what to do, and I complied not receiving any more pertinent information regarding correcting the issue. Furthermore, I wrote letters and provided a police report, the police report number and an explanation of what I had done including a request to AmSher asking for them to provide " pertinent '' information regarding the transaction. The letters to both AmSher and XXXX should have been received before XX/XX/2022. Meanwhile, XXXX still persists in collecting the debt from me, once again referring my case to AmSher Collection Services . Repeated phone calls to AmSher have met with no success, and many of my calls are dropped or not allowed to go through. When speaking with representatives from AmSher they tell me that XXXX must initiate the " clearance '' of the debt and XXXX  says that AmSher must initiate the clearance. You would think that the company that incurred the debt would be able to clear the debt, but I don't know. XXXX has been unable to give me any information regarding, how my information was documented for this alleged purchase or where the phones were delivered. AmSher has been equally evasive and refuses to speak with me. In the letter I sent to both AmSher and XXXX XXXX XXXX told them I had to have information regarding my account so I could prosecute the individuals responsible for this behavior.
Product: Checking or savings account

I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account. 

I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX. 

I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances. 

I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.
Product: Credit card

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest credit accounts. Capital One misrepresented the 360 Credit account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my per
sonal information from this description but someone may still be able to identify me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX XXXXXXXX Open XX/XX/year>
Product: Debt collection

the company said I got a phone from XXXX but I have never owned a XXXX phone. I gave them the account number on my file they said 'this account doesnt belong to you it belongs to someone else.. But it was placed on my file. Then they said respond before XX/XX/2024 i responded to them XXXX XXXX and they still placed this on my credit report. I was in the process of buying a home and this popped up and delayed the process I am now asking for {$1500.00} for my pain and suffering and the money i spent out looking for a relator only to find out you guys placed false information on my credit report. I also want this removed from my credit report as I contacted the corporate team of XXXX and they said they have never heard of my account or do the have my social on file and I sent them a recording. So if i am not paid and this is not removed from my account I will be obtaining a lawyer.
Product: Credit reporting or other personal consumer reports

Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my credit score into the tank, lowered my credit score lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.
Product: Mortgage

XXXX XXXX, 2015 OCWEN LOAN SERVICING was sent Check # XXXX for {$24000.00} as Mo. Pay Princp. & Int. PLUS {$16000.00} Princp. ONLY via USPS CERTIFIED MAIL ( ITEM # 1 ). 
OCWEN LOAN SVC. RECEIVED XXXX CERTIFIED MAIL XXXX/XXXX/15 XXXX ( ITEM # 2 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. POSTS {$24000.00} EXACTLY as paid ( ITEM # 3 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. SHOWS NO PAYMENT PAST DUE PMT ( ITEM # 4 ) OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. Charges {$100.00} from Princp. Payment? ( ITEM # 5 ) Doc 's PROOF of Mailing, Receipt of Mail and Payment of {$24000.00} are ATTACHED. 
How do they EXACTLY POST Payment on XXXX/XXXX/15 then CHANGE/DENY Payment onXX/XX/XXXX/15??? What is the XXXX/XXXX/15 NON-AUTHORIZED {$100.00} CHARGE?
Product: Money transfer, virtual currency, or money service

I found this scam company posing as XXXX XXXX ( a clone if you will ). And decided to invest in this fraudulent company on their instructions. Due to Coinbase 's negligence i lost XXXX XXXX and XXXX XXXX. I transferred money from my coinbase account on their instruction.
Product: Vehicle loan or lease

Repeated lost payments, overcharging of interest directly due to their system error, refusal to provide writen information
Product: Credit reporting or other personal consumer reports

I contacted TransUnion in regards to a public record being reported on my consumer report, which should not be there. I provided documentation from XXXX showing the bankruptcy was deleted from my consumer file along with a letter from the bankruptcy court, showing that they do not verify for credit bureaus. This public record is unverifiable. TransUnion supervisor moments ago over the phone could not tell me who the furnisher was providing certification and verification of this public record to TransUnion, which is a clear violation as per FCRA. The supervisor said I am sorry there is no furnisher listed today Friday XX/XX/year> at approximately XXXX. 

My understanding is the credit bureau must verify from the original furnisher. The supervisor instructed me to contact the court and get a certified bankruptcy search document for faster action/removal. Under FCRA, as a consumer my right is to have the credit bureau provide this information to me. I dont need to provide this information to them. 

I am aware of the CFPB lawsuits against XXXX and XXXX and I believe TransUnion is doing the same as those companys. I have been disputing for many months and not getting honest, accurate, and verifiable results.
Product: Credit card

I made a purchase of flooring from XXXX XXXX with a credit card offer from Synchrony Bank on XX/XX/year> for {$8700.00}. The same day I made the purchase, XXXX XXXX filed for bankruptcy. The receipt I received from the purchase stated that I had 90 days to return my purchase and a lifetime warranty. The flooring was delivered on XX/XX/year>. On XX/XX/year> 30 days after delivery and well within the 90 day return policy I was promised, I reached out to LL Flooring to advise I wanted to return the product as it was not of the quality I had expected. I was told they are not taking any returns and sent me an email with information on how to contact their bankruptcy attorney and file a claim. 

I immediately filed a claim on the bankruptcy and also filed a dispute with Synchrony Bank. I provided copies of the receipt showing the return policy that was not honored. I even paid to have the product taken to the local store and it was refused. I provided pictures to Synchrony Bank of the product at the local store where it was attempted to be returned. 

I received notice today XX/XX/year> that Synchrony Bank has declined my dispute. I notified Synchrony Bank today that I was requesting a review of their decision and that I would be filing this complaint. 

XXXX XXXX and Synchrony Bank are out no money - only me, the consumer, will suffer because of malicious business practices and false warranties and return policies. There is no valid reason that Synchrony Bank declined this dispute and I need your assistance please.
Product: Credit reporting or other personal consumer reports

Numerous accounts where put on my credit report that were not mine between the years of XXXX XXXX XXXX