23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Son XXXX XXXX was XXXX years old when he went to the emergency room, and he had insurance from the state with full coverage ; however, they still tried to charge us instead of taking insurance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint # XXXX. XXXX 's response to my original complaint is absolutely false and inaccurate. First, we provided proof there was no storm lien at all ( letter from the City of XXXX XXXX on their letterhead ) and faxed to XXXX 's loss mitigation department in XX/XX/XXXX. We called XXXX to ensure they received the fax letter stating there was no outstanding storm lien and were told they received it and nothing further was needed. Second, XXXX had our new mailing address yet we never received the letter dated XX/XX/XXXX ( attached to their response dated XX/XX/XXXX ). We received all other mailings from XXXX at our new address but no receipt of this letter. XXXX failed to comply to proper foreclosure notice requirements and never notified us ( should have been sent certified mail ) of the decision to proceed. We were never given the option to cure the deficiency before proceeding with foreclosure. We were financially damaged and harmed as a result XXXX 's failure to follow proper protocol and has damaged my VA housing benefits forever. I want action taken to correct my credit report and my VA housing benefits or I will proceed with legal action
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. 
We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.
Product: Debt collection

this acct was a result of identity theft and still reports on my credit report i have obtainted reports and notarized statement of id theft ftc complaint
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$2200.00} Chargeoff XXXX XXXX XXXX BALANCED {$1300.00} Chargeoff XXXX XXXX BALANCED {$0.00} Chargeoff 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a debt that is on my credit report to be verified and validated, multiple times. The company has not provided and documentation proving the debt and has not removed it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX with Amex whom I currently have a card with. I applied for the XXXX gold card, to which they said my application is declined. I called in puzzled as to why for them to lie and tell me the reasons for declination is " I have a XXXX credit score, and a history of delinquencies. '' I know this was absolutely false, I'm on top of my credit and even subscribe to XXXX and my XXXX. My XXXX score is XXXX, my XXXX  score is XXXX, and my XXXX  is XXXX. I've never had a late payment or collections in my life. So I faxed over copies of said credit reports downloaded from XXXX and faxed it over same day of the application to prove they're lying. I called today on XX/XX/XXXX to confirm the status of the application since I didn't receive the follow up call I was promised to confirm if they received my fax or not to be told even though I submitted concrete proof from the credit bureaus that their information was completely false they were going with their false information and declining my application. The most hilarious part of all of this is even within their own application they offer a free credit report and score that reflects my credit bureau reports of a XXXX score with no delinquencies ever, nothing in collections nada. So where they're pulling this completely false information from is beyond me. They won't even look at the fax I sent over proving their information is incorrect.
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. 

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer.

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Product: Mortgage

My mortgage loan got transferred to a new servicer, Fifth Third Bank. I tried multiple times to create an online account so that I could pay my mortgage. Each time, the portal said " unable to create online account. '' I tried calling the bank to resolve the issue, but they keep mentioning that I need to wait longer. It has been over a month since the transfer and I am still unable to create the account so that I can pay them properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Citi closed my account in XX/XX/2018. They illegally withheld my money which I tried to retrieve over and over again for months to no avail. I wasted countless hours going to the local branch, on the phone and checking my emails. My balance was {$1900.00} and after countless promises, I received nothing. In XX/XX/2018 I filed a complaint with the office of comptroller of currency and they immediately responded and offered a {$1000.00} refund check while the investigated. I agreed because I was in desperate need of my OWN money. I contacted the representative who mailed for {$1000.00} and asked her about the rest and she told me that balance was adjusted after the account was closed. That's a joke! Not only they illegally withheld my money, and the refund check for {$1000.00} 5 months after they closed my account is evidence of wrongdoing on their part. They still owe me approximately {$900.00} and they refused to send any documents, statements or anything of that sort. I no longer have access to the account. I want my {$900.00} immediately or I'll take legal action and seek a trial by jury pursuant to the 7th amendment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This company has over charged me for a car that isnt worth XXXX i paid a good amount down but they continued to over charge me in financing and everything ... I deserve to have this car reduced by alteast XXXX. I am very XXXX and tired of this company and i will be filling a report with the national attorney general office about this company they take advantage of people who dont have very good credit and just stick us into stuff
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 XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).

And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information.

( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

I just happen to over hear slot of people saying other people are cashing checks in my name. And there is more than 1 or more than 10
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a letter and I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information 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/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

They stated that my account was verified but how is this 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 FCRA 15 USC 1681 everything has to be 100 % accurate. 

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

The prior questions did not really apply to my situation, so here it is. This is about XXXX XXXX credit cards. I have had several accounts over many years with this company, I have always paid my bills and never really had a problem with them, but since the pandemic started every time I would call in the rules would change from person to person. They were no longer on the side on the consumer but on their side. This last time I called about my XXXX card, asked why it wasnt working, I had paid it in full via a XXXX XXXX checking account. I was speaking with a woman XXXX I believe, she was nasty when she got on the phone, I had. A friend in my car with me the call was on speaker, he heard everything, it was like I was bothering her, she would not simply answer the questions she went around it and around it. I asked for another supervisor she told me at first there was no one else and that she was the only available one. I got into an argument with her about how everyone has someone over them unless you own the company. She got another, so I did also. I asked over and over to talk to someone else to deescalate the situation, she continued to be a XXXX. So she finally said she would transfer me or was hanging up on me I cant remember, I was so mad by now, I said fine and turned to my friend and she she is a XXXX. Now that operator was listening on the line and heard me say that about her, I know not flattering on my part but I was so XXXX off and she was continuing to make it worse. So it just came out. She screamed at me oh now youre going to lose you card, I hung up on her and called right back and got someone different, she was calm and answered my questions, I told her what had happened and that was not said to that person I had though she hung up and was saying it to my friend. Ten 10 days later XXXX  XXXX closed all of my accounts down and took me off my husbands cards. Like I said I always had paid the bills on time, I was late few years ago but I paid it. I did nothing wrong to have them treat me like that. I did not say it to that operator, I said it to my friend. I was never contacted by XXXX  XXXX to hear my side of the story, they just closed all of my accounts down. Now they have affected my credit score in a major way, I had 5 accounts and it was just reported that they were closed by the merchant which is hitting my credit like a brick. I have freedom of speech I can say anything I want ugly or not, my choice, I should not be punished for saying that to my friend about her. I actually was saying it behind her back. I worked very hard on my credit with that company and believe that if it isnt illegal for them to do this that itI should be. I want them to report my credit differently so it doesnt affect my score. This company has ruined all the years I have worked on my credit, if I can sue I will.
Product: Checking or savings account

On the date of XX/XX/2018 I contacted Navy Federal and advised that fraud had occurred on my debit card, ending XXXX. Fraud claims were filed on all reported transactions ( {$62.00}, {$83.00}, {$62.00}, {$46.00}, {$20.00}, {$9.00}, {$44.00}, {$170.00}, {$8.00}, {$44.00}, {$15.00}, {$25.00}, {$100.00} ). As a result of the fraud claims being filed a provisional credit was issued to my account in the amount of {$700.00}. An alleged investigation was conducted and determined that allegedly no fraud had occurred for the transactions ; as a result the provisional credit issued to me was removed.

During my phone conversation on XX/XX/2018 I informed Navy Federal that the funds did not dispense from the ATM. just as i did the first time I disputed said transactions when the rep. entered the claim as fraud. Navy federal sent me a letter decision/legally meritless statements from atm owner in XXXX regarding the transactions that are in dispute. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Navy Federal is using as a reason to not refund my money. I previously stated to Navy Federal, that I did not benefit from these transactions. I was not disputing if the atm dispensed cash As the unverified documents or papers navy Federal has purportedly forwarded to the address on file pertaining to the XXXX XXXX XXXX. account claim. To be clear, I am disputing the unfactual claims that I, XXXX XXXX XXXX as account beneficiary actually received or benefitted from the disputed funds. I did not benefit from these transactions nor did i receive the funds from the atm transaction ( s ). The atm did perform as if the funds would be dispensed however the funds were not dispensed FOR ME. Navy Federal 's unverified conclusions were based solely on circumstantial papers or hearsay from a third party, that do not support the atm owners claims, if they are in fact alleging that I was ever in receipt of the disputed transactions amounts. Thus, no documentation or papers provided by the atm owner support any claims regarding my actual dispute and as a result thereof the papers provided by the Atm owner are nonresponsive to my claim. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Navy Federal has a duty to replace the funds taken from the XXXX XXXX XXXX account. Moreover, To prevent ATM owners from denying claims arbitrarily, they must be able to provide supporting documentation in this case they did not. If the atm owner wishes to pursue this matter further, he/she must provide additional documentation for further review. If he/she is unable to provide additional documentation Navy Federal has a duty to honor their policy or terms and conditions regarding the disputed transaction amounts by crediting the XXXX XXXX XXXX account in the amount of the disputed transactions. Sincerely, XXXX XXXX XXXX, Account beneficiary All rights reserved XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are some negative Late Payments on my Credit Report for the below company : XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to correct my credit report, and refused to remove 90 Delinquent mark from XXXX XXXX card. 

XXXX XXXX had card charged 120 for executive renewal membership, without my knowledge. I didnt know about it, no clue until I received call informing I was 90 days delinquent. I immediately paid it, at this time. Hurt my credit score, but I didnt know. NOT Fair.
Product: Credit reporting or other personal consumer reports

I have mailed XXXX letters via certified mail asking Experian to correct my personal information and each time they have disregarded my request.