23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made several requests to Portfolio Recovery Associates ( PRA ) to validate the account. I requested the date of delinquency, date the account opened, and last payment received. I formally made the request XX/XX/XXXX. PRA received the request on XX/XX/XXXX ( enclosure ).

This validation must include the name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, documentation proving that PRA have the legal authority to collect, and all other notices required by law. If PRA can not provide the validation required, then PRA must remove from your files any negative reference concerning this account. PRA is in violation FCRA. PRA provided the date the alleged account opened. XX/XX/XXXX. That was the only date provided. Tennessee statue of limitation is 6 years in wish expired XX/XX/XXXX. PRA can only report for 7 years to the credit bureaus. PRA states there were not any known un credited payments, counterclaims or offsets against this account at the time of the sale. PRA shows the date of last activity prior to the sale of the account is XX/XX/XXXX and that is the information provided to me. XX/XX/XXXX is seven years from the last activity. PRA can not continue to report this alleged collection.
Product: Credit reporting or other personal consumer reports

Got a debt bill of or something like {$3500.00} saying that my Debt is gon na be sent to the IRS
Product: Student loan

Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.
Product: Vehicle loan or lease

XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX  AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.

I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.

I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX CC STATE OF XXXX
Product: Mortgage

Ocwen foreclosed on my home in 2010 during our process of doing a Loan Modification which they stated themselves in writing that they would not do. While I was under the impression that Ocwen and I were going to reach an agreement for the continuation of my home ownership they foreclosed on me. Ocwen also made many bogus charges running up my payment and also returned my check for a loan payment uncashed.
Product: Vehicle loan or lease

XXXX XXXX  payed off and transfered to XXXX XXXX westlake still reporting a open account
Product: Credit card or prepaid card

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX District Court Judge : XXXX XXXX XXXX Referred : XXXX XXXX XXXX  Case # : XXXX Nature of Suit XXXX Civil Rights - Other Civil Rights Cause XXXX Civil Rights Last checked : Monday XX/XX/XXXX XXXXXXXX XXXX EST Defendant XXXX XXXX XXXX Defendant XXXX and XXXXXXXX XXXX Defendant XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX,, - -, - -,,,,,, ( ^_^ *=* XXXX XXXX XXXX A Case Has Been Filed with Office of Special Counsel which was also sent to the XXXX Report Status : Unknown XXXX is Herby listed as Non-Compliant ( False Narratives, Failure to Report, Filibusters ) You are scheduled for an interview by Phone with the Equal Employment Opportunity Commission ( EEOC ) regarding your inquiry XXXX XXXX This email confirms your appointment with an EEOC representative of the XXXX office for XX/XX/XXXX at XXXXXXXX XXXX 

XXXX XXXX  Release www.childwelfare.gov/pubPDFs/report.pdf XXXX XXXXXXXX XXXX XXXX XXXX The XXXX XXXX says it wants to discharge the two XXXX even though their commanding officers recommended retaining them because their XXXX status bars them from XXXX XXXX, and it generally wants its XXXX to be XXXX XXXX. The plaintiffs say a similar rationale was used to deny an XXXX XXXX to XXXX XXXX. XXXX XXXX, an Oklahoma native who is seeking to join the Judge Advocate From : XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX Subject : Reminder - Schedule an Interview You recently submitted an inquiry, XXXX, about alleged employment discrimination by XXXX XXXX XXXX to EEOC. We noticed that you have not yet scheduled an interview to discuss your claim. 

Response FOIA Release XXXX XXXX XXXX XXXX The ADA strictly limits when employers may ask medical questions or require medical exams. 

discrimination against persons living with XXXX, is one of the central goals of President Obama 's National XXXX Strategy. 

REPORT NUMBER : XXXX Please scan/email the signed completed form to XXXX. For questions regarding the program, please call XXXX XXXX XXXX XXXX at XXXX. 

XXXX Warning : This document is UNCLASSIFIED//FOR OFFICIAL USE ONLY ( U//FOUO ). It contains information that may be exempt from public release under the Freedom of Information Act ( 5 U.S.C. 552 ). It is to be controlled, stored, handled, transmitted, distributed, and disposed of in accordance with DHS policy relating to FOUO information and is not to be released to the public or other personnel who do not have a valid " need-to-know '' without prior approval of an authorized DHS official. No portion of this report should be furnished to the media, either in written or verbal form. 

Expiration XX/XX/XXXX Stage 2 : XXXX XXXX XXXX Stage 3 : Forma Pauperis Stage 4 : Pro Set Litigant
Product: Checking or savings account

For over SIX weeks now, I have been unable to access both my business and personal accounts with PNC Bank after the transition from BBVA. I have access to each account individually but can not transfer any funds between the accounts since early XXXX. I have spent 3 hours in the branch and spoken on the phone with multiple supervisors and escalations departments in personal banking, online banking, and business banking. These conversations have totaled approximately 15 hours of time with ZERO results. The only answer is that accounts have been linked correctly, and now they are just waiting for their computer systems to process the change so that all of my accounts can be seen under one online login ( which would finally enable me to transfer funds between my business and personal accounts ). However, their computer system has not completed anything in over 4 weeks now. I am hearing this is happening to THOUSANDS of clients that had both business and personal accounts with BBVA that transitioned to PNC. This is unacceptable and has become a detriment to my business since I can not transfer funds between the accounts.
Product: Mortgage

I spoke with XXXX XXXX in XXXX on Tuesday, XX/XX/2022 at XXXX XXXX. XXXX advised that she would provide the proof of my payment and proof that my payment had been applied to my mortgage loan.. 

She told me that I couldnt have account access to review my payment and how it was applied because my loan would be transferred and once it was transferred I could have access to my payment and account through whatever company that may be. 

XXXX advised me of this after I submitted the complaint below : My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist. 

I have not received a notice of transfer and its been well over a month since closing. That notice at least requires 15 days prior to transfer, its XX/XX/XXXX and I have no notification of such transfer and I need access to my account and payment history and detail in full accuracy. XXXX advised that she would send all requested proof via email, as well a vial mail. 

It has been over 48 hours and I still do not have the email she advised she would send with proof that they received it ; I have not received any documentation via mail either. XXXX stated that they applied the payment that was made on XX/XX/2022 to our mortgage loan on XX/XX/2022 ; its XX/XX/2022 and I still have no proof that it was actually applied when received as required by law. Waiting until the loan is transferred to provide proof of my payment is not acceptable for our records. I need the requested proof provided to protect myself and my husband from anything that will undermine our investment.
Product: Debt collection

XXXX XXXX XXXX at schuerger Law is completely unprofessional. He has harassed me via email and telephone calls for weeks. The calls have gotten so extreme that Ive received 10 in one day. I sent a cease and desist letter as a result. The debt he is referring to was signed in 2008. He says that I owe {$860.00} and that it must be paid immediately. He also claims that he is collecting the debt on behalf of XXXX University and not as a debt collector. The age of this debt is beyond the statue of limitations in Alabama which if he did his research he would know.
Product: Debt collection

XXXX XXXX.amount {$660.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine .The current status of my account is not correct.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XXXX, my Wells Fargo ATM card was compromised. I notified WF within the hour of this occurrence and requested that my ATM card be cancelled and a new one issued. After waiting over a week for a new card and not receiving one, I called WF to ask where it was. I was informed that a new card hadn't been ordered. I was concerned about my account being vulnerable but was told not to worry because my account had been frozen. WHAT?? I hadn't asked for that, and I have most of my bills on automatic payment. I told them to unfreeze my account, cancel my ATM and send me a new one. Which WF did. 
I thought all was well, my bills were paid in XXXX and XXXX. 
On XXXX, I paid my 2 XXXX credit card balances. One card is due on the XXXX, the other on the XXXX. A week later, my XXXX dXXXX XXXX XXXX XXXX was declined. When I called XXXX to inquire why, they told me my account had been closed. WHAT?? I had paid my accounts early, so why was it closed? XXXX told me they had tried 3 times to collect from WF and was declined, so they closed the account. I won't go into how infuriated I was! XXXX didn't contact me that they closed the account, I could have paid the balance with a XXXX XXXX account. But my issue is with WF. I called WF to find out why my XXXX card wasn't paid and was told that my account had been frozen. WHAT?? I had neither consented or was notified that my account had been frozen. I couldn't believe it! I asked why it was frozen and COULDN'T BE PROVIDED AN ANSWER! I was transferred multiple times and explained my situation multiple times to different WF personnel but still couldn't be told why my account was frozen. One guy suggested that my account wasn't properly reopened in XXXX, so it was again frozen. WHAT?? I have spoken to no less that 10 WF employees and STILL haven't been given an explanation. I have been contacted by WF by phone and letter that my account was frozen last XXXX because my ATM was compromised. I KNOW THAT. Still nothing about XXXX. WF sent me a mediation form and I filled it out and was contacted by phone this morning by a WF mediator and after I told him my situation, he said that my case doesn't really fit into his department. He deals with fraudulent accounts or activity with WF. SO, I STILL don't have an answer. I even went into a branch and spoke directly with a banker and she couldn't figure it out. XXXX asked for a letter from WF stating that my account was frozen not by my direction. In other words, the denied payment to XXXX wasn't my doing. 
WF refused to give me such a document. I decided I didn't want to do anymore business with WF so I closed my account on XXXX or XXXX of 2023.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit card

I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Debt collection

This company repeatedly calls me and my family members at odd hours of the day, including on weekends.
Product: Mortgage

On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Nissan motor Corp has passed their statute of limitations being on my report, and The irs defines a charge off or cancelled what is gross or ordinary income income does not get reported on the account they have been reporting a closed account on my consumer report, thats inaccurately reporting on my report. furthermore they have reported tax fraud. The continued reporting of this inaccurate information is a clear violation 15 usc1681s-2 ( a ) ( 1 ) Duty of Furnishers of information should be reporting FAIR and ACCURATE. 15 U.S. Code 1692c ) This has caused me, and my family sever harm due to your negligence, and inaccuracte reporting. My right to refusal, post-sale letter, how the post sale was broken down, how do i owe what i owe. arms lenth transaction was never mails to me, Theres an insurance in my finance charge that protects the creditor in the case of the the obligor and defaults and if theres a default, which is what a position comes out to be the depot in the payment, they collect it on that insurance already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( SANTANDER CONSUMER USA 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. 

Account Name : 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  has violated my rights. Or list of inquiries 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.