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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX in XXXX. Since that time, I've made regular payments to Ford XXXX company except during periods I didn't have steady work ( in XXXX for example ). Ford has sometimes tacked on my payments to the end of my car loan but for the most part has been EXTREMELY difficult to deal with. They even repossessed my car once. 

They have routinely blocked my access to their online payment portal when I've been late with payments in their efforts to " punish '' me. This hasn't been helpful to me as a customer at all. I called them a few months ago and explained I am only working XXXX right now and working very hard to secure XXXX work, but none of the reps I spoke to were helpful at all. Instead, they did what they've always done which is to block my access to the online payment portal and reported my car loan as delinquent and other negative information to the credit bureaus.
Product: Mortgage

This complaint is related to complaint XXXX that was listed as closed but is not closed. 

I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. 

I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution.
Product: Debt or credit management

XXXX XXXX XXXX Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from EAST POINT RECOVERY GROUP. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX  : # XXXX, XXXX : # 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 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: Money transfer, virtual currency, or money service

While on a XXXX XXXX XXXX XXXXXXXX Florida on XX/XX/XXXX XXXX XXXX I received an email from Robinhood market, INC that my account was locked due to location compliance. I XXXX XXXX XXXX but I complied with Robinhood to get in contact with the support team to have my account unlocked. I have sent over 8 emails without any response, I have called their number provided on their website and requested a call back and the site for 3 days said a Im in line for a callback, I have contacted ask support on their social media XXXX XXXX XXXX XXXX  in which Im told they can not assist in account issues but someone is looking into my emails, mind you the platform doesnt have my information to make such a statement and when I asked if the system is down I get a generated response that doesnt answer my question. I also had my mother access her account to explain my situation and request a callback and she too was given the message a call will arrive shortly but it never did.i have begged for assistance because XXXX XXXX XXXX XXXXXXXX and i have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have pleaded for help since XX/XX/XXXX XXXX. In one of the numerous emails I sent a photo of my driver license, I also explained I have 2 factor authentication and is back in my home state so unlocking my account so i can sign in should not be difficult. However, the more I have no way of talking to an agent or reaching a person to assist I am becoming more stressed about whether I will gain access to my funds. I hope someone can please assist me in contacting Robinhood. 

Thank you
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX last XXXX of ss # XXXX I have pulled my credit report and I have seen multiple inquiries that are not mine these inquiries were never AUTHORIZED BY ME I never PERMITTED THESE INQUIRES on my credit I ask for a deletion of all inquiries I will list below TRANSUNION INQUIRIES : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681g - Disclosures to consumers
Product: Debt collection

I asked for debt validation on XX/XX/22 as I've never received anything from this company and on XX/XX/22 received a letter from XXXX fraud department. I just received notification from the credit reporting agency that a new collection was added to my report as now this company is reporting two times with two different dates. I called and ask them to verify and was told by XXXX that I could not request this over the phone and he hung up. They are in volitions of my credit rights.
Product: Debt collection

Upon discovery after viewing my consumer report I see that XXXX XXXX & CREDENCE RESOURCE MANAGEMENT , LLC is reporting an alleged debt onto my consumer report. 
I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding CREDENCE RESOURCE MANAGEMENT , LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Product: Mortgage

( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.
Product: Student loan

over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX ( Original creditor : XXXX ) XXXX Balance : {$73.00} ; XXXXXXXX XXXX ( Original creditor : XXXX ) XXXXBalance : {$20.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$40.00} ; XXXXXXXX XXXX XXXX ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX.
Product: Bank account or service

1ST MY SON HAD NEED FOR A DEPOSITE OF ABOUT A XXXX DOLLARS CASH INTO HIS ACCOUNT AND HE WAS OUT OF TOWN WE JUST WANTED TO DEPOSITE AND CASE BANK Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX THIS IS WRONG ARE LIVING IN STATE THAT WE CA N'T TAKE CASH XXXX ALSO I WENT TO GET A MONEY ORDER BUT IF YOU DONT BANK THIER THEY WANT SELL YOU A MONEY ORDER TO PAY THE GOVERNMENT.
Product: Credit reporting or other personal consumer reports

My data has been exposed and all of my information has been compromised.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased Internet service for my XXXX XXXX from XXXX for {$44.00} I call them up on the phone and they had me pay through a link with my capital one credit card I paid for the service and they told me the service was effective they told me I would be getting between 12 and MB 25 per second and they advised me if I had any technical issues they give your phone and the phone call ended I connected the XXXX XXXX  got the password for my computer and the service was about XXXX MB per second I could not navigate you could not go from one website to the other it was not functioning it was too slow I did some quick research online and found hundreds of complaints about XXXX XXXX I had given them my home address and ZIP Code they advised me that there was service my area with the speeds that they described to me as I said I went onto the Internet I found hundreds of cases with people were given misinformation lied to On that same day XXXX XXXX I contacted the technical people they said they literally set all the connections and that I would get a better speed of Internet service it would take between 12 and 24 hours I waited 24 hours at that point had no service whatsoever non-it was not functioning I call them back they told me to go and get a new Sim card went to the XXXX store in XXXX Pennsylvania and they gave me a new Sim card at no charge I went home and connected it there was still no connection I called back this technical people they told me they had a reset the connections 24 hours later there was no service whatsoever I called in and request a refund and to cancel the service they told me to contact my credit card company and request the chargeback and they would not contest I did that on XXXX XXXX so far they had sent me no receipt whatsoever they sent me numerous emails to my email would no receipt no invoice I contacted my credit card company and told him exactly what transpired they put in the dispute XXXX answer them back and they put the chargeback on my account I called my credit card company and they refused to do anything about the charge they requested that I spent {$1500.00} to have a private company come to my home and verify that XXXX 's Internet service was not working the charges {$44.00} they requested an invoice or receipt for the service which I never got I was never sent an invoice or receipt they advised me that they did receive an invoice or receipt from XXXX when I contested the service and they refused to share with me and wanted me to get a receipt from XXXX I call XXXX numerous times last time I called was XX/XX/2021 asking for receipt they advised me that being that I cancel the service they could give me access to an account or an invoice however they are still maintaining the services open the account is still operational when I call back and I give them my phone number they tell me I owe pain so this is an open case of extremely strange behavior I've done everything I possibly can and been manipulated and basically misled
Product: Mortgage

Our original Mortgage was through XXXX. They were picked up by XXXX, then passed on to Greentree ( XXXX ). They got into trouble and was picked up by Ditech. When Greentree acquired our mortgage I was at a XXXX with my wife and out of the loop for over 60 days ( XXXX to XXXX ). I continued sending our payments to XXXX, they in turn sent the payments on to Green tree. Greentree jumped our payments, stating our Escrow account was delinquent. It was not, but we sent the extra amount without question. At the end of the year they had to return the overage back to us, some {$920.00} by federal law. Ditech tried the same thing about the Escrow account. We ignored the the request because we had received some {$1400.00} with the understanding it was an overage to our Escrow account from Greentree. We continued sending our original amount and have never been late nor missed a payment to Ditech. Ditech and Greentree tried to force us into refinancing by threatening foreclosure. We were referred to XXXX. We would have been approved and charged {$3000.00} and returned to Ditech as our mortgage holder. We refused the loan and continued to make our original payments. About 2 months back we received a package in the mail to reduce our payments from the original amount of {$630.00} to $ XXXX and adding the famous {$3000.00} to our $ XXXX amount left on the mortgage. We called for a final payoff and found Ditech had jumped our mortgage by {$3000.00} without our approval. We have been sending our payments of {$630.00} registered with a return receipt to prove we did not approve their offer. We have sent a complaint to Oregon Dept. of Justice and to the state agency that approved Ditech to operate in the State of Oregon. Copies of our complaints will be sent to your org. in a later submission due to scan problems.
Product: Credit card or prepaid card

I logged into my edd account so I can certify for the weeks shown so I can receive my funds. I certified plenty of times so I knew something wasn't right soon as it basically showed it wasn't accepted i checked my inbox for the unread message. I received a letter of appeal due to verification reason and the appeal gives you a date you must appeal before that date. I mailed the appeal to them 4 different times and I even contacted them everytime to see if they received the appeal. I also asked if they had a fax number that I can fax them over the appeal letter I mailed them. I was letting every representative know that I really need help if I need to speak with higher up can I get transferred because I can not leave the XXXX unpaid I need the funds to handle rent, daycare and to purchase item 's I needed for my son and family. I tried to order a card and they denied me and blocked me from receiving a new card
Product: Debt collection

In XX/XX/2023 I was contacted via email by Credence Resource Management , LLC without consent according to 15 USC 1692c ( a ). The fact Credence contacted the Consumer via unsecured email with potentially damaging information left open room for identity theft and violated 15 USC 1692b and 15 USC 6802 ( b ) ( 1 ).
Product: Credit card or prepaid card

I spend well over {$50000.00} on my card each year and dispute few charges on my card. I always pay my card balance in full.On XX/XX/2018, I called JP Morgan to dispute as fraud two charges on my credit card in the amounts of {$250.00} and {$98.00}. The call was recorded and notes were made on my account. The representative told me that I could deduct those amounts from my card while the fraud was investigated. 

When I received my new bill on XX/XX/XXXX, the charges were NOT put into dispute and I was charged interest of {$8.00}. 

When I called JP Morgan to advise them of this error, they confirmed my earlier call and confirmed the charges should have been put into dispute but were not. When I tried to put them into dispute once more, they refused to do so because that department was " closed ''. I want to complain that JP Morgan is ignoring XXXX XXXX and is refusing to accept my fraud complaint. The representative, although admitting a mistake by JP Morgan, was unable to refund the interest charges. When I suggested I would contact the CFPB to resolve this the agent appeared not to care.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account number XXXX XXXX XXXX XXXX XXXX, have violated my rights,
Product: Checking or savings account

The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to TransUnion notifying them of the inaccurate reporting of an item ( XXXX XXXX ). A previous report of mine from XX/XX/XXXX stated that the item would be removed by XX/XX/XXXX. 

My current report shows a new date of when the item would be removed by XX/XX/XXXX instead of the XX/XX/XXXX. My dispute to TransUnion included a print screen copy of my report dated XX/XX/XXXX that showed that the item would be removed by XX/XX/XXXX. I also notified them that they had Re-aged the item and changed the removal date to XX/XX/XXXX and that they were in violation of the FCRA by reaging the item. 

This item should no longer be reporting on my credit file. 

I 'm requesting the support of the Consumer Financial Protection Bureau as my dispute to TransUnion was simply disregarded and they did nothing. It is my understanding that after 7 years this item should no longer report on my credit. 

Attached is the dispute I sent to TransUnion on XX/XX/XXXX with the print-screen of the report showing that the item should be removed by the XX/XX/XXXX date.