23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16818-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC S1681 violations for willful noncompliance - 5616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N Best regards, XXXX XXXX
Product: Checking or savings account

On several occasions I had the funds available in my checking account to pay a debit, but USAA would send it back and charge me a {$29.00} NSF then I would also get a {$20.00} to {$40.00} dollar charge from the vendor. I have emails showing the money was available in my account, but they sent the debit back against their policies so they could charge the fee. This is the third complaint and each time they just send their deposit agreement, but fail to show my available balance was below what the debit was. I plan on closing my account due to all the issues I have had with them charging unjust fees. One date that I still have the emails with proof saved for is XX/XX/19, three different fees of {$29.00} each. I attached this proof below. There were several others, but these are the ones that I definitely have the emails saved for.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for a loan and my loan agent needs to view my report. However, there is a freeze on my account that I did not place. I tried online to lift the freeze to no avail. I then called but the IVR is terrible and then it's impossible to get a real person on the phone to help with the issue. 

I'm losing money on this one credit agency and you guys be ashamed of the XXXX technology you use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different financial institutions Onemain and XXXX XXXX stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres the revised version incorporating your experience with LexisNexis : Subject : Complaint About Denial of Access to My Consumer Report Dear CFPB, I am filing this complaint because I have been unable to access my consumer report from LexisNexis Risk Solutions, despite my rights under the Fair Credit Reporting Act ( FCRA ). 

I contacted XXXX to request access to my report and was told that I could only obtain the information through a special department that does not have an email address or phone number. This lack of accessibility is unacceptable and prevents me from verifying the accuracy of the information being reported about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00} This is my follow-up to my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a prior CFPB complaint with Kohl 's with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that Kohl 's continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, Kohl 's had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with Kohl 's. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct Kohls credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. Kohl 's clearly misplaced the check my bank mailed in. Kohl 's can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake Kohl 's made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX crest XXXX XXXX XX/XX/2023 dear Transunion, I , XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding the the following items : party owed : XXXXXXXX XXXX amount : {$330.00} account number : XXXX party owed : XXXX  XXXX XXXX XXXX amount : {$12000.00} account number : XXXX party owed : XXXX XXXX XXXX XXXX amount XXXX {$2000.00} account number : XXXX party owed : XXXX XXXX XXXX CARD amount : {$2500.00} account number : XXXX party owed : XXXX XXXX XXXX Amount : {$800.00} account XXXX party owed : XXXX XXXX XXXX amount : {$6800.00} account number XXXX XXXX I am disputing this claim due to I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. this is my official request to have the aforementioned item to be removed off my credit report.
Product: Debt collection

I have a credit card bill on my Equifax credit report from XXXX and I have never had a XXXX account. When I contacted the number that appears in my credit credit for XXXX XXXX I gave the customer service rep my information ( ssn ) and she was not able to pull any information under my social security number. However, Equifax is reporting this on my credit profile.
Product: Checking or savings account

Goldman Sachs XXXX closed my CD account without any notice to me and sent the account balance in check format to the wrong address. They have refused to send out a new check to my current address until the previous check expires in 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on my report as identity theft. The items are not related to any transactions completed by me. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This timeshare company pressured me to buying this timeshare that was full of lies i havent used this time share even one time
Product: Vehicle loan or lease

I am writing this letter because less than a month ago I purchased a car with XXXX XXXX XXXX, MA and I acquired the finance with Wellsfargo.
<P/>I made it very clear that I didnt want my monthly payment higher than {$400.00}. I was surprised when I verified the terms and conditions of my car loan with the Wells Fargo agent. The interest rate is 4.9 % to 6 years finance. I consider that Wells Fargo has incurred in Fair Lending violation since I know people who currently has an interest rate of 2.9 %.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX 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

This morning, I found unauthorized inquiries on my credit report without any explanation. I checked my report as usual, but this time, unexpected discrepancies appeared. I tried refreshing my browser to see if it was an error, but the inquiries remained. Therefore, I request that the documents Ive sent be reviewed thoroughly to resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX, Exeter Finance, XXXX have violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

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Product: Credit reporting or other personal consumer reports

I requested full data that would prove I owe the stated amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX  XXXX account is fraudulent it was removed from my credit report by the creditor, and XXXX  has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
Product: Credit card or prepaid card

I purchased the total protection plan through Best Buy in which I cancelled less than 72 hours after making the purchase. 

I received a cancellation email to confirm. that my the service has been cancelled I later received a bill for the total {$190.00} charge of the plan I then called card services to dispute the charge I receive another statement in the mail that is charging me for the full amount I contacted the company and was told that I could only be refunded {$47.00} because of the " service charge ''
Product: Credit reporting

The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX
Product: Money transfer, virtual currency, or money service

I logged on to transfer money out of my account. The site ( Gemini.com ) was not accepting the only password I ever used for the site so I changed my password and was not able to access my funds ( simply request the transfer of funds out of that account and to my bank ) : they locked my account for XXXX hrs. Now XXXX weeks later the account is still locked and I still can not process the transfer of funds out of my account. The company has no number that I can call and customer service support is extremely slow and due to my schedule it may take another 5 days before I can get into my account... this is going round and round and is a block to me accessing my money in a timely manner.
Product: Credit card

I placed a dispute with Citibank about a charge where services were not provided and/or were not up to the standard expected on XX/XX/year> via the phone. The service in question was rendered on XX/XX/year>. I received a request on XX/XX/year> for more information, and was given a deadline of XX/XX/year> to provide the information. The information was provided on XX/XX/year> with confirmation of receipt on XX/XX/year>. The decision was rendered within XXXX hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the dispute, but all I got was an automated message in the phone system that the dispute was closed and that the details of the ruling would be sent via mail within the next XXXX hours. I couldn't appeal the decision. 

I am filing a complaint because it was rendered in such a time that it was impossible to contact the merchant as it was after business hours, which leads me to believe the decision was already pre-determined at that time. I provided all details of correspondence and pictures of the defective services/products in a narrative document that I was asked to give to CitiBank. There should have been more than enough evidence to get my dispute resolved in my favor, as the advertising was clearly deceptive and I was not provide the product that I paid for nor expected.
Product: Mortgage

Thank you for the opportunity to discuss my problem. On XXXX XX/XX/XXXX I suffered a career ending injury. I applied for, and was granted XXXX XXXX  XXXX benefits in XX/XX/XXXX. In the subsequent 2 years I had no problem meeting my financial obligations. In XX/XX/XXXX, my benefits were arbitrarily terminated. A federal law suit was filed and is currently working its way through the courts. During this time I exhausted my life savings in an effort to meet my financial obligation. In late XXXX I began the process of requesting a DEED in LIEU ( DIL ) from HomePoint Financial,  the holder of my mortgage. After several difficult months of a run around trying to execute this, Homepoint finally, apparently put the process in motion. During this time period Homepoint was very difficult to communicate with. Often avoiding answering my questions. Frequently stating they would " look into '' my question and get back to me. Often never reaching back out to me. Finally after jumping through every hoop, always in good faith, the DIL was approved. On XXXX XX/XX/XXXX the appropriate legal documents were recorded with the registrar of deeds in the County of XXXX. These included the Warranty Deed and Discharge of Mortgage. I have attached them below. As todays date, XXXX XX/XX/XXXX, the account remains open with a balance of {$160000.00}. In addition Homepoint continues to report me to the credit bureau as delinquent. I have made several attempts to discuss this with Homepoint in the last several days and have been met with severe obfuscation. Every attempt to contact Homepoint has resulted in me speaking to a low level bank representative that has been unwilling or unable to rectify or even explain what is going on. I am sure CFPB can understand my frustration. This long drawn out process has had, and continues to have a very significant negative effect on my credit history. 
I believe Homepoint 's behavior is at best, bad faith and at worst, possible a violation of the law. I have completed every request made of me in good faith. Any help you can give in getting this issue resolved would be greatly appreciated. 
If you have any questions please feel free to contact me at your convenience. 
Sincerely XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I received an email from Discover on XX/XX/2021, stating that " after a recent review '' they chose to close my account. 
I believe it was due to the fact that, weeks before, they tried to strong-arm me into giving them access to my tax records, via some third-party company. I of course would not give them access to that kind of personal information. 
I called and talked to several people at Discover to try and resolve the matter ( reopen my account ) to no avail. 
I'm also in the process of submitting complaints to the XXXX, FDIC, and the Delaware State Bank Commissioner.
Product: Vehicle loan or lease

I refinanced the auto in question in XXXX of XXXX ... My new lender paid the note in full which clearly shows in my statement from original lender ... The day after buy out was complete they received an additional payment from me which they processed ... The original finance company continues to show my account open with them ... I was made aware of this when I was denied financing on the purchase of a new vehicle in XX/XX/XXXX because my credit report showed two outstanding car loans ... I have I have called the finance company monthly since this time to resolve the issue ... Each time I was told " We see here that the information you've given us is correct We will submit a request to have the account closed ... check back with us in 3-5 business days to confirm. '' I call back to confirm and SURPRISE I'm given the same information again SAME response ... SAME RESULT ... Issue has yet to be resolved ... MY ONLY CERTAINTY I WILL NEVER FINANCE A VEHICLE THROUGH KIA MOTOR FINANCE AGAIN ...