23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account # : XXXX XXXX XXXX XXXX { XXXX } To Whom It May Concern. 
I disputed the referenced accounts above on { XX/XX/2021 }. The credit report of { Experian } shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report Thank you, XXXX XXXX XXXX XXXX Include the Following Documents - Drivers License Utility Bill
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : DPT EDXXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXX****LATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiry are fradulent are provided proof, even though they told me that this inquiry were verifed. Please remove and dispute this fradulent information from my credit report. 
XXXX  XXXX XX/XX/year> 2026
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report data that is beyond the statute reporting period they are illegally re aging the date on the account to maintain it longer. I have evidence reflecting this on older reports but unable to upload to their site. 

XXXX XXXX  should have been removed back in XX/XX/2021 was updated to reflect removal status of XX/XX/2021 and now that notation has now been removed off the account description. 

Needs to be removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Experian consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.
Product: Mortgage

Chptr  XXXX  dismissed mid  XXXX    XXXX  , out of bankruptcy had others debts owed. A decrease of my income  XXXX  job loss. Applied for loan mod during that time  Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the   mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account #  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  CO  XXXX  End of  XXXX    XXXX   submitted  to Ocwen Loan ser vicing a modification package.  XXXX   XXXX   XXXX  my name the onl y   one  on the loan/deed. Accou nt Loan  #  XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs.   I contacted attorney as having issues with Ocwen. The I received a phone call  XXXX / XXXX /  XXXX   rec 'd call from  XXXX ,  XXXX , name  XXXX   XXXX  with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with  XXXX   XXXX  an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate.   I contacted the attorney, I had been in touch with he said take thr offer. I contacted  XXXX   XXXX   XXXX  stated  " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to   XXXX   XXXX   XXXX   XXXX  receipt #  XXXX   XXXX  Fl, sent  XXXX / XXXX /  XXXX  , next funds sent to different person as  XXXX   XXXX  stated our case was with a different attorney now need to send {$730.00} to be sent to  XXXX   XXXX  receipt #  XXXX ,  XXXX  Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to  XXXX  to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name   worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond.   I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.
Product: Debt collection

I am filing a complaint against Mercedes Benz Financial and XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Mercedes Benz Financial and XXXX XXXX failed to take timely and effective measures to do their job to file the necessary paperwork i spent hours and days preparing and receiving from my insurance for GAP to pay these cars off which they did and these companies still havent take them off my credit ive spoke. to XXXX people and they all say that it shouldnt be on my credit because i took care of it but also because these accounts are super old. Furthermore leaving my account vulnerable, and unprotected, and messing my credit up. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I respectfully request CFPB enforce ethical protocol for Capital One reward me the {$200.00} cashback credit card that I opened on XX/XX/2021. Capital One letter of XX/XX/2021 stated multiple incorrect statements. 
XXXX. Upon me applying for the XXXX XXXX  credit card there was no disclosure information provided to me. 
b. No one contacted me from Capital One by phone on the credit card change. 
c. I did not give authorization for the credit card change by Capital One. 
d, I had excellent credit card rating when I applied for the XXXX card that met the XXXX card requirement. 
e. I had an unused GM/CapitalOne credit card that no longer has XXXX XXXX as a sponsor for points rewards plus, Capital One kept taking away points regularly from the account. This card was not used for about 7 years. So I applied for a Capital One XXXX XXXX card. 
f. I have known of other Capital One customers that had several Capital One credit cards and they have the cash back cards too. I feel discriminated. Capital One needs to provide a customer list with all of the cards that a customer holds to CFPB. 
g. Capital One letter had no contact name. How do you respond to an ongoing complaint instead starting over with a new contact at Capital One? 
h. I feel Capital One did not read my letter for the details so they just replied with a standard form letter. 

I don't ask CFPB for legal action, I ask CFPB to enforce ethical and professional standards. I'm sure other Capital One customers have faced the same issue. 

Please have Capital One send my {$200.00} cash back to me. No more games. Treat customers with respect and like they want them as customers. 

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

I have been a severe victim of identity theft, from taxes being file in my name to fraudulent accounts displaying currently on my credit file. I have taking the liberty to file identity theft report and sent to Equifax Credit Reporting Agency. I was told by Supervisor in the Fraud Department with Equifax. Mr. XXXX in Nevada location. I can have the items in question blocked/Deleted from my file by completing a FTC identity report and sending it to Equifax. Well on XX/XX/2019, I sent the requested theft report and the accounts in question is still showing on my report as of XX/XX/2019. I faxed the document to Equifax using the fax number Mr. XXXX in Nevada location at XXXX. He stated that it will take 5 to 7 days after I send it to be updated in there systems. It has been over a month and the following accounts listed is still showing on my credit file. I am reaching out o CFPB in order to get this urgent matter resolve.
Product: Mortgage

On XXXX XX/XX/2021, I received the closing disclosure via email from XXXX. I reviewed the closing disclosure and it had a few discrepancies, based on the original loan terms that I signed back on XXXX XX/XX/2021. I immediately emailed XXXX for an explanation on the discrepancies and he has not returned my emails or calls. I also include his supervisor ( XXXX ) in the email and I havent heard from him either. The tentative closing date is set for XXXX XX/XX/2021 and I would like to get the closing statement fixed. Below are some of the discrepancies that I requested assistance from XXXX and XXXX : 1. The loan amount changed from {$440000.00} to {$440000.00}. 

2. Why do I have to finance {$7600.00}, the escrow? What happened with the credits of my current escrow?

3. The APR changed from 2.251 % to 2.259 %. 

Please see attached supporting documentation.
Product: Credit card

I had an account that fell past due. Very past due. The creditor issued me a XXXX and said the balance was forgiven. However it 's still reporting on my credit report as a balance due. I contacted them to pay it off in full, and they refused payment. They said the debt was forgiven. How is the debt forgiven, but still showing as an outstanding debt on my credit report, all while they refuse to accept any payment from me at all? When I call, they read me a disclosure in the begining of the call saying that It 's past the statute of limitaitons and I am no longer legally obligated to pay. If I choose to pay or make any payment, it will restart the statute of limitations and I could be sued. I immediately tell them I understand and would like to pay it off, and they say " sorry, we cant accept a payment ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear XXXX, TransUnion, and XXXX, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX   repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX  XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.
Product: Debt collection

Compass Group called my father on his cell phone on XX/XX/2023. XXXX was her name and she said she was trying to file a garnishment for my wages and needed my phone number and address. My father did not give them my information, as it is public knowledge. The phone number she gave as a call back number is XXXX. I have not received anything by mail from Compass Group.
Product: Money transfer, virtual currency, or money service

We had a burglary in our office resulting in a number of money orders ( 7 ) being stolen. The stolen money orders were from 3 different companies. XXXX XXXX is the only company that we are filing a complaint with. A police report regarding the burglary was filed on XX/XX/2021 and provided to XXXX XXXX as part of our evidence. The stolen money orders were made payable to our apartment property XXXX XXXX XXXX. We were able to place stop payments on money orders issued by other institutions but we were unable to do so with XXXX XXXX. Three money orders issued from XXXX XXXX were subsequently cashed. We paid a fee to XXXX XXXX for copies of the paid money orders and upon receipt we noticed they were clearly altered. I spoke to a XXXX XXXX representative who provided me information and forms I would have to submit for an alteration and forgery claim. Our documentation was sent by certified mail on XX/XX/2021. When I did not receive a response or acknowledgement from the company, I wrote a subsequent letter XX/XX/2021. This letter sent by certified mail was also ignored. 

To this day I have yet to receive an acknowledgment, phone call or any other form of communication from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my credit report, XXXX XXXX XXXX is not my account and should be remove from my credit immediately. 
this account is hurting my credit and my financial need.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take time and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We refinanced our home in 2012 through Mortgage Investors Corportaion ( MIC ) XXXX . They stated that we only pay the 2 % APR interest on the current principle balance of the mortgage and in turn pay off the home faster. We were later told that MIC was sued for fraud. We have been getting calls from other mortgage companies to refiance the load to get out of the fraudulent XXXX. What is our next step? What do you suggest? As I am XXXX please contact my husband, XXXX at XXXX XXXXXXXXXXXX, XXXXXXXXXXXX, cell XXXX or myself at XXXXXXXXXXXX or cell XXXX.
Product: Debt collection

American Coradius Incorporate XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Subject : Credit Report Dispute Inaccurate Information Reporting Dear Sir or Madam, {$2400.00} I do not own this amount, remove it asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several request for XXXX XXXX XXXX XXXX to provide me with verification/proof ( Original Consumer Contract with my Physical Signature on it ) in regards to the unverified account of my credit report ( XXXX XXXX XXXX XXXX ) XXXX which they have not. I provided enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, you wouldve forward me a copy of proof when I first inquired, which you clearly dont have! Under the FCRA you must provide an Original Consumer Contract with my Physical Signature on it. A copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my physical signature on it ), and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. Under the FCRA, unverified accounts must be removed/deleted immediately. I demand for this account to be removed/deleted immediately, due to failing to verify. Under the FCRA, failure to verify/provide me with a copy of verifiable proof that I physically signed and agreed to this account, then you must remove the unverified account. I demand the following account be removed/deleted immediately! If you do not comply, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} USD should this matter end up in court. I look forward to an expedient resolution of this matter.