23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was scammed by a person who represented themselves as an employee of XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ). I was told that my power to my house would be shut off immediately if I did not send payment through my Bank. I sent payment through XXXX at Bank of America from both my checking and savings accounts. The checking account payment went to XXXX, XXXX which is a fictitious company. Further, the number that I was asked to use to send the money turned out to be a XXXX number for someone in XXXX, Illinois. The payment from my XXXX Account, when I was told that the payment did not go through my checking account again was not affiliated with a gas and electric company. It went to XXXX XXXX which is a number in XXXX  Virginia. I immediately reported the scam to the XXXX XXXX Police as well as XXXX  & XXXX in XXXX XXXX. Regulation E is a regulation put forth by the Federal Reserve Board and is meant to protect banking customers who use electronic methods to transfer money.
Product: Debt collection

I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

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

I got an email from XXXX XXXX on approx. XX/XX/XXXX saying I have a collection debt reported on my credit. I opened the report and it was for XXXX collection agency is Bonneville Collections, address XXXX XXXX XXXX, XXXX UT XXXX, XXXX for XXXX XXXX XXXX XXXX dated XX/XX/XXXX gong back 3 months. I responded to XXXX XXXX telling them that this is not my account, I haven't heard anything about this until XXXX XXXX sent me the email and I haven't lived in that area for over 20 years. I disputed the item through XXXX XXXX. I did get a phone call about a month or so again from some collection agency ( couldn't understand name ) and when they asked my name and I told them, I was told it was a mistake and they were looking for someone with a name similar to mine. They apologized for the mistake but I don't know which collection agency it was. Today XX/XX/XXXX there was a old derogatory item from I believe XXXX on there but I couldn't access it and after that amount of time it shouldn't be on there anyway. This is so disturbing as I have no idea why this is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} Advance Bureau of Col - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Product: Debt collection

on XX/XX/19 commenity capital bank called a relative about my account looking for me despite having my contact info which im sure isn't allowed
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I was informed by my bank that I am being denied a credit line increase on my visa because of a proprietary credit score provided by transunion, called the trans union rapid default score. The score range from 300 to 800, mine being XXXX supposedly indicates that I am likely a true name fraudster and at risk of committing criminal acts of a financial nature. additionally my bank said that transunion informed them that this was based in part upon my not having any joint accounts. 

I am not a true name fraudster, I am exactly who I present myself to be to all the financial institutions I have a relationship with, I have no intent of committing any financial crimes or other crimes, nor have I ever done so. I have an exemplary and pristine credit report with a fico 8 score near 800, a credit utilization ratio of under 6 %, absolutely no derogatory information and I have never once missed a payment. 

Transunion telling financial institutions that I am at risk for committing fraud does me serious harm and is libelous. Additionally they will not discuss this report or score with me or allow me to review what data it is based on other than what they have told my financial institution. One of those factors being my lacking a joint account constitutes credit discrimination based on marital status. 

And unlike fico or vantage scores, which reveal what factors are considered and those factors being directly related to credit-worthiness and based specifically on penalizing bad behavior of the individual being scored, this transunion rapid default score appears to be based on, at least in part, people 's marital status which has no bearing on credit worthiness. as to any other factors it's based on, the company will not say, yet it is distributing this secretive information about credit consumers and at least in my case completely erroneous information, while offering no basis for appeal, review, or counter statement to said, distributed information.
Product: Credit reporting or other personal consumer reports

Today as I logged in to XXXX XXXX and under the XXXX. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once XXXX XXXX score, XXXX XXXX website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information
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 you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report, as provided by Experian. Under my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian conduct a thorough investigation into the following disputed items : XXXX XXXX BANKRUPTCY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my credit report and found the aforementioned items to be erroneous. I have enclosed copies of supporting documentation that validate my claims, including the XXXX  account email, XXXX XXXX XXXXetter, and the courthouse where this was claimed to have taken place. 

This inaccuracy is not only detrimental to my financial reputation but is also significantly hindering my homebuying experience. The erroneous information on my credit report has resulted in unfavorable terms and conditions from lenders, delaying or even jeopardizing my ability to secure a mortgage for purchasing a home. 
I have also documented every correspondence sent to Experian regarding these disputed items and proof of delivery. Despite these efforts, the inaccurate information persists on my credit report. 

I'd like to remind Experian of its obligations under the FCRA to ensure the accuracy and integrity of the information it reports. Failure to comply with these obligations may result in legal action. 

Therefore, I would like to ask that Experian quickly investigate these disputed items and correct any inaccuracies found. I also request that Experian provide me with a written explanation of the results of its investigation and a revised copy of my credit report reflecting any necessary corrections. 

Please be advised that I am fully prepared to take further action, including seeking legal remedies, if Experian fails to comply with its obligations under the FCRA. 
Thank you for your attention to this matter.
Product: Credit card

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I purchased airline gift certificates through XXXX XXXX. When I went to use the gift certificates, XXXX XXXX told me that they were refunded. When I contacted American Express multiple times, I received varying responses from supervisors that the charge was refunded due to fraud, and that I am no longer an authorized user of the account and they could give me no more information. 

My wife, after finding the charges, lied to American Express saying that the charges were fraudulent. Instead of investigating through their fraud department, they acted quickly and reversed the charges even though this was NOT fraud. They also removed me from the account. After explaining several times to American Express associates, XXXX finally told me that they will send an email to the fraud department to investigate again, however I would NEVER know the outcome unless the XXXX XXXX tickets are re-issued- apparently for security reasons? 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This purchase was very important to me because it was the only way I could XXXX. I am stuck couch surfing until this gets rectified. 

XXXX American Express manager was so arrogant to tell me that they " trust '' and listen to the card holder, and if they say it 's fraud, they act as such without investigation.
Product: Debt collection

To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. They called but never sent a letter notifying me of the debt.

They contacted me numerous times. Finally a letter from attorney from HELPS ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/2021 and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Product: Debt collection

An entity self-described as a collection ( -Bilateral Credit Co- ) agency has injuriously and unlawfully continued to defame me and damage my ability to buy a home or otherwise receive favorable interest rates on loans or otherwise harmed my reputation by continuing to submit inaccurate information to the credit bureaus indicating that they own a debt against me. 

This alleged collection against me has on numerous occasions already been removed after submission of documents including an FTC affidavit and a police report and an identity theft federal case number document demonstrating that this debt is not mine and I am not responsible for it. However, this agency continues to publicize that they hold a negative debt entry on my credit report against me. 

This company has knowledge that this debt is not mine but continues to slander and harm me by continuing false allegation against me as a means to fraudulently extort monies from me by way of fraudulent publication.
Product: Student loan

After being unemployed for several years, I secured a position at a XXXX XXXX in XX/XX/2018. I was excited to begin reducing my student loans that were on deferment for many months. Once I started working, I later applied for PSLF and submitted all the necessary documents. My first set of paperwork was submitted in XXXX but three months later, XXXX sent me a notice that it was incorrect. I immediately resubmitted the paperwork and continued to XXXX payments of {$400.00}. Later, I was sent a statement for {$200.00}, then another for {$380.00} because XXXX is unable to determine my income based repayment amount and none of my payments were applied to the PSLF program. See attached statement. I have spoken with a representative each month since then and they are still unable to determine an amount. My total amount paid is {$800.00} since XXXX and {$790.00} is applied to interest and {$.00} is applied to principal. It seems that this loan forgiveness program is a scam. A scam because it is taking  XXXX 3 months to determine my payments while I continue to pay and none of them were applied toward PSLF, which means I have to pay beyond the required time frame. The interest rate on the loan is 8.25 % and I am unable to set-up the auto payments for a rate reduction, because once again my final payment is undetermined. As per XXXX, they can not refi even with market rates at approx 4 %. I feel very betrayed by this program, considering my determination and excitement to finally having the ability to pay-down the loan.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by TransUnion, XXXX, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/23 I sent a letter requesting the mortgage company pay a tax bill of {$2400.00}. I submitted a coupon for ONE tax bill of this exact amount to the mortgage company. I had some money in escrow and wanted to apply the funds to that ONE bill as I mentioned on the phone. 

I received a call to confirm, I said yes. On XX/XX/23 Arvest bank made a payment of {$6600.00}. 

My mortgage has now increased over {$1000.00} a month. The other taxes were not yet due and I did not request this payment. This has caused significant financial strain. 

The representatives listened to the calls and admitted this was an error but the Mortgage company has yet to offer solutions to assist or to help.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

re : Ocwen loan # XXXX for XXXX in XXXX, NY Despite repeatedly pleading guilty to NYS DFS & CFPB for mortgage servicing violations, and a court order demanding that Ocwen give us access to ALL ORIGINAL loan documents related to the phony loans placed on our home at XXXX, XXXX, NY XXXX, Ocwen has refused access to visit the loan vault in Florida were we were told the original pen and ink loan docs are kept. 

Ocwen did in fact mail us several XXXX photocopies of files that show many other loan numbers attached to our loan still on the house. But, they refuse to show us the transfer history nor the amounts paid by Ocwen to buy this loan. 

Ocwen has stated the loan is paid down to zero, creating a forgiveness of debt issue for us for the {$160000.00} value of this note and mortgage they hold. 

XXXX would like the note and mortgage assigned to him for XXXX dollars since Ocwen claims they have no interest in it any longer. 

Please authorize Ocwen to assign this loan and mortgage to XXXX. 

We also demand a complete history of the escrow account attached to this mortgage with Ocwen. XXXX of dollars was paid into and out of this escrow account and we want a full accounting with the cancelled checks of who got this money. 
Thanks so much. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 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 payment on a credit account under an open end consumer credit plan as late for purpose. 

Credit company Gm financial
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnets customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : XXXX XXXX on my XXXX and Transunion Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the Transunion report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.