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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Description of the complaint I believe to be an anti-semetic hate crime encountered ON XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX We Arrived at XXXX XXXX on XX/XX/XXXX. Had trouble getting door to unlock with card. The door was not installed correctly. The latch assembly had no clearance between it and the doorframe/striker plate. We had to body slam the door to open. We immediately found the phone not working and went to the office. We were treated disrespectfully by who appeared to be the owners and put off. At XXXX XXXX the defective phone was still not replaced. We went to the office and told them if it was not taken care of we would file a complaint with the XXXX and the Missouri Attorney General 's office. The phone was replaced. The television was worthless! The remote would not work. We went to the office multiple times and treated terribly by the owners. We got one after another line of XXXX excuses. It never did work properly our whole stay. We had difficulty pulling the door tight enough to latch properly due to improperr installation and fitment. We had to force open the door constantly and slam hard to get to latch. 
I placed a 14kt gold ring on the nightstand Friday night. It was missing Saturday night when we returned from a show ( XX/XX/XXXX ). The ring had the the XXXX LETTER FOR JEHOVAH ENGRAVED IN BLACK ON THE OUTSIDE AND MY NAME ENGRAVED WITH A DATE IN XXXX. This was awarded to me upon completion of degree work in the XXXX XXXX in XXXX. The current radical anti-Semitic climate so prevalent i can only conclude that this was a hate crime due to the predominant XXXX letter for Jehovah. Our XXXX wedding anniversary accommodations were the worst we have had in XXXX since coming here every year since XXXX! I am on total XXXX plus XXXX. The hired staff were helpful, but the owners/managers were the most arrogant disrespectful people I have ever encountered! 
A police report was made to the XXXX Police Department. 
Please add this information to the police report. I have filed a complaint with the XXXX and the Missouri Attorneys office and other agencies. I am a senior citizen on total XXXX plus XXXX. We were there celebrating our XXXX wedding anniversary. We have been visiting XXXX since XXXX! Usually more than once every year for the last 51 years! You have no idea how bad I want the ring returned! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.
Product: Credit card or prepaid card

Citibank chose to close my credit card after 5 years of current payments, with no reason or advance notice in XX/XX/XXXX. 
At first it was told to me that I was not current on minimum payment. Untrue. 
XX/XX/XXXX Citi operator said it closed due to suspicious activity. 
I have yet to be temporarily credited or documents on dispute I addressed in XX/XX/XXXX by XXXX XXXX for {$560.00} in XX/XX/XXXX, unauthorized. They closed the account, issued new card w/ account, but denied me $ 0 % liability on unauthorized transactions. 

1. I am NOT paying the disputed amount plus interest on the XXXX XXXX charge. 
2. Explain why Citibank choose to close my account. 
IN WRITING OVER CFPB ONLINE AND TO MY MAILING ADDRESS. 

Regards
Product: Mortgage

OCwen loan Servicing LLC bought my loan from XXXX and I got 2 months behind and tried to catch up by sending 4 payment of {$100.00} extra and they never applied that money to my payments they said they put it in a extra account that just sat for no reason. They foreclosed on my home and I had to file Bankruptcy to stop the sale. That's when I paid XXXX and XXXX to {$4000.00} to help with filing a modification and this was after I was working with Ocwen myself for the loan modification and they keep telling me I was missing documents they needed for the approval. My loan modification was approved after XXXX. And I made the required payments8 then they sent my a package with the final agreement to be notarized and they sent it back 4 times saying there were errors made by the notary until they rejected them and I had to start all over. XXXX and dance XXXX told me they would refile for {$1000.00}, less. I thought I would try again on my own and Ocwen sold my loan to Phh loan servicing, LLC a company owned by Ocwen. In the meantime I'm acquiring interest out the yen Yamg while they are getting paid by there loan insurances. I now owe more on my home than I paid for it and I bought it in 2007 ,12 years. Doesn't this seem wrong. The money just doesn't add up and I went from a 15 year loan to a 30 year loan I don't understand. I have read a lot of stories about Ocwen and Phh loan servicing that sound a lot like mine. Go to Medium web pages and you'll find out about they are doing to home owner. Is their any thing I can do to find out if what their doing is right. I feel as a lot of others they are ripping us off
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing with  XXXX   & had troub le verifying due to fraudulent info & I also called Transunion & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that sinc e 2011 so meone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.
Product: Vehicle loan or lease

I was attempting to get a pre-approval quote from Chase because on the website it stated I can run a pre-approval without doing a hard inquiry credit pull. After doing the process they sent me a loan approval for {$28000.00} at a 7.09 % APR for 72 months. This occurred on XX/XX/23 I checked my credit score and they did in fact run a hard inquiry on me. I gave no authorization for a hard inquiry pull and I never even used the loan for a vehicle. I called Chase Customer service several times and talked to several people and no one was able to give me a solid answer. One said since i did it online there is nothing they can do. Even though i advised it was only a pre-approval process not for an actual loan.
Product: Vehicle loan or lease

The charge off amount on this account is paid off by the insurance company and now that it has XXXX balance it needs to be removed from credit report
Product: Vehicle loan or lease

I bought a new car but with XXXX  miles on it I noticed sensor lights on. I took it back to the dealer service department on XX/XX/2019 and was told not to worry even though I had great concerns. An appointment was set for XX/XX/2019. On XX/XX/XXXX while returning home from a VA Hospital appointment all sensors failed. The dealer wasn't available to help. upon getting home I called Hyundai Finance and Hyundai Corporate Offices in California. They told me to have it towed to the dealer, this was done on XX/XX/2019. I was given a case # by Hyundai Finance ( XXXX ). Nothing was done to repair the vehicle because I was told I had to pay for repairs even though the Hyundai Warranty, and a Carefree Car Protection policy had been purchased at the time of the car purchase. So the car sat in the dealers lot for over six weeks and since has been taken somewhere else. I still receive billing from Hyundai Finance for payments past due. The loan amount is {$23000.00} and the past due amount is {$620.00}. I haven't seen or had service of the vehicle since XX/XX/2019. I've tried to work with them but now get no response to my e-mail letters. I think that Hyundai has covered up an internal issue with my vehicle. I do know about the complaints and fire issues that this company is currently dealing with The Center for Auto Safety and Congress of The United States of America.
Product: Mortgage

Hello, I mailed my first mortgage check to XXXX on XX/XX/XXXX for {$1800.00}. XXXX XXXX  received it and signed for it on XX/XX/XXXX. No payments were applied we started receiving calls regarding missing payments. I called the escalation team due to agents were confused. Manager stated they did not receive check if i may send them proof of check and proof that it was delivered to correct address and signed for. I faxed over all information needed to resolve this issue as soon as possible. Manager stated he will call me back. No call received i followed up, they have not yet found my check. Manager stated please give them more time, i have been very patient with this company regarding the check they have lost. I followed up again due to no call was made, escalation manager stated they found check but was unsure as of why cash management team has not applied funds to my loan. Was asked again to provide more time manager emailed cash management department inquiring my check. Two weeks past i have been following up due to now im receiving calls and mail that my payment is past due etc. I speak to manager again they stated cash management has yet to respond to his email and he apologize for bad experience we are having and miscommunication since day one. He stated he was going on vacation and will follow up with me once hes back. He returns i receive no call i have to call again, he stated he has to involve his supervisor since he has not heard anything back from cash management, at this point its already XX/XX/2019 and my check is still not found and no solutions at all. Manager called me stating that he has heard back from team and they don't know where my check is that check did not have loan number so someone had to send it back XX/XX/XXXX and never did. My main concern is where is my check this is a huge inconvenience. This is the worst first home experience i have ever received. XXXX XXXX  now wants me to attempt to place stop payment with my financial institution due to they lost the check .Which will not benefit me my accounts is still past due for a check they have lost and bank will not return funds for 90 days. Please help me resolve this and that this does not happen to anyone else.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below. 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 or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX and XXXXXXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE REPORTING LATE PAYMENTS ON XXXX ACCOUNTS THAT HAVE IN THE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) I HAVE NEVER BEEN LATE ON ANY PAYMENT ON ANY ACCOUNT. PLEASE UPDATE THE ACCOUNTS AND DATES FOR EACH ONE TO " CURENT, PAID ON TIME, OR PAID AS AGREED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified by Bank of America ( BOA ) by email ( XXXX  XXXX ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at BOA, so i intially disregarded the email. On XX/XX/XXXX received a text message from BOA ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted BOA customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the BOA fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the XXXX report from BOA dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted BOA again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted XXXX  by telephone the same week requesting the BOA hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. XXXX requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I having been going back and forth as of late with the credit bureaus due to someone impersonating my identity and opening several accounts without my knowledge. This has truly caused a devastating financial impact on my current situation. I have submitted several pieces of correspondence including my identity theft report # XXXX, copy of my driver 's license, utility bill, and social security card. I'm aware of the 30 day time frame alloted under the Fair Credit Reporting Act the bureaus have to to provide accurate verification. The fraudulent account in question is ( Dept of Edu # XXXX ). This is account was established from the direct result of identity theft and should of been blocked within 4 days of Transuion, XXXX, and XXXX  of being notified after receiving my identity theft report from the Federal Trade Commission. Transunion has and continues to violate my consumer rights under the Fair Credit Reporting Act in regards to consumers who have been a victim of identity theft per section 609 and 611.I have provided more than the required documentation to support my claim and Transunion should adhere the FCRA laws .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act LexisNexis Risk solution has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit reporting or other personal consumer reports

Dear SPRINGOAKCAP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that SPRINGOAKCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that SPRINGOAKCAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SPRINGOAKCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I assert that the following accounts on my credit report are fraudulent and were not authorized by me. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/23 my vehicle was totaled in a car accident. I began the process with having my insurance handle their end, started the process with my Gap and notified Capital one so they could submit the needed paper work. I also called capital one ( all recorded on their line ) many times about getting back my XXXX that was through the same company as my GAP. They kept telling me it needed to wait 60 days and I would get it from them directly. Yesterday XX/XX/23 I called again to check up on things. Only to find out that they never used my Gap insurance even though the process had been started. They took the money from my XXXX after my insurance paid them and applied it to my balance. I found a notice in my junk email from Gap about this. I financed my GAP and XXXX and paid intrest on these items in my loan. It states no where in my agreement that this is allowed. When I asked for a copy of their policy and procedures saying they could do this, they refused. So Gap denied my benefit coverage. There was nothing left to pay and I was out almost XXXX that capital one kept telling me I was going to be getting. I desperately need help with this.