23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct incorrect information XXXX XXXX is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.
Product: Vehicle loan or lease

The insurance pay off my car but the the financial company wants pay more money when the car it's pay off before time on the contract
Product: Money transfer, virtual currency, or money service

So I got paid on the XXXX of XXXX and after I wanted to deposit all the money to my bank so I deposited XXXX and after I think I missed typed my bank account # or routing number but it allowed it to go through as if it linked up with my account so I went ahead it told me 1-2 days but like I said after I realize that 2 days have already passed and I havent seen it. My money even now I just manually fixed it with the right number but Im putting in a complaint just in case it doesnt work because money network also implied that the new account information would only work on my next payment or transactions but Im broke now so!!! Fix it help me tnx
Product: Mortgage

Ocwen Loan Servicing refuses to acknowledge Litton is now a " subsidiary '' of Ocwen, arguing it has no responsibility for Litton mis-reporting to credit reporting agencies ( CRAs ) because Litton is not an " affiliate '' of Ocwen ( see XXXX XXXX, XXXX letter ). Ocwen/Litton refuses to identify the alleged 12-month arrearage at the time Ocwen assumed servicing rights in XXXX XXXX. Ocwen and Equifax refuse to provide the electronic exchanges relative to " investigation '' disputes. Ocwen admits to mis-reporting information to CRAs including, but not limited to illegal multiple charge-offs. Despite the admission, Ocwen refuses to grant relief for both the Litton mis-reporting and the Ocwen mis-reporting after XXXX XXXX at which time it assumed servicing rights. Ocwen continues to refuse to provide monthly statements, in direct violation of the Fair Credit Reporting Act. Due to admitted systems deficiency, Ocwen under-reported the amount of tax year XX/XX/XXXX interest by several thousand dollars. Despite widely known systems inadequacies, Ocwen refuses to verify or validate/verify payment information transferred in XXXX XXXX. Its position is that the onus is on borrowers to do so ; an unfair and undo burden. Not to mention the fact it refuses to provide the internal documents ostensibly authorizing debit from my checking account. I challenged its arbitrary use of checking debit deductions on numerous occasions.
Product: Debt collection

We were on an autopay program for our medical bills with XXXX XXXX. In XX/XX/XXXX our credit card expired. I did update our digital billing information online but the autopay never transferred to our new card. We did not know the payments weren't going through because our digital billing account listed a {$0.00} balance owed every time I checked it. When I checked our credit report recently I noticed a debt collection item on it, I did a dispute because I didn't know what it was. I discovered the debt was originally with XXXX XXXX through the dispute. I called them and they explained to me what happened and they sent me to the collection company. I talked to a XXXX XXXX at IC Systems. She said they sent me a letter in XX/XX/XXXX, which I never received. I asked repeatedly for another letter to be sent or emailed so I could have a written statement. She kept asking me to pay the bill and I told her I would once I received something in writing about the bill. She repeatedly kept telling me to pay and that they already sent me a letter in XXXX. I again told her multiple times that I never received anything and asked her to mail or email me a letter so I had something in writing. She told me they had tried to call me multiple times and I let her know I don't answer potential spam calls and even if I did I would have never paid them over the phone for a debt I knew nothing about. I told her with all the scams going around that nobody should be paying for something over the phone that they have no knowledge of. Eventually I asked for them to email me the letter/statement, I confirmed they had my email and I ended the call. I called XXXX XXXX back and they are sending me the XXXX statements so I can have a record of them. I am incredibly frustrated. I will absolutely pay this bill ; I just didn't know it was out there, I didn't know it went into collections, and I still haven't received anything from IC Systems about it.
Product: Debt collection

I have contacted Cedars Business Services in XXXX, CA and asked them to cease and desist all communication about 30 days ago. They continue to send letters demanding payment for debt I have disputed.
Product: Credit card or prepaid card

Ive tried several times to get a credit card limit increased but Capital One Credit Cards denied each request. Although I have an excellent credit and payment history, Capital One says my payments are too low. That reason is ludicrous! I make on time payment which are either amount due and/or {$10.00} over minimum due. I do not understand they provide a minimum due on due date and states we will not increase limit because you paid what told you to pay by due date. Doesnt make sense!
Product: Credit card

I rented a house using my credit card through the XXXX website. There were problems as soon as I arrived, beginning with the fact that there was no connection to the internet. I worked with the owner and repair crew over three days to try to fix the internet issue as well as numerous other issues with the house such as 1. no heat -- house at constant XXXX degrees fahrenheit 2. insufficient electrical service to house to allow functioning of household appliances such as dryer or washer or jacuzi tub, electric broiler. 
3. Leaky roof ( leaked water onto living room floor ) 4. Hot water supply tube under kitchen sink leaked water onto kitchen floor creating a puddle and underside of sink covered with black mold creating a potential health hazard The evening of the third night the hot water ran out and since there was still no internet the next morning I sent the owner an email that I was leaving. The owner acknowledged that she was sorry that I was leaving and asked me where the keys were. I told her and left the property. 
The original charges were {$150.00} security deposit to be returned upon receipt of unharmed property at termination of rental and {$640.00} rental charges etc which included taxes and fees. I arrived on the XXXX in the afternoon and left on the morning of the XXXX. 
The amount of communications between myself and the owner is voluminous. The credit card company has not taken the time to read it in its entirety. Many of the statements made by the owner following my departure are not in agreement with those made beforehand. 
I discussed the problems with XXXX and asked for their advice during several telephone calls in the first few days. XXXX took no responsibility and insisted that the homeowner had discretion to refund my fees at any time. The owner had " warned '' me that my " window '' for cancellation was going to pass. This is not what XXXX claimed. I wanted to stay and resolve the problems but the house became uninhabitable with the cessation of hot water and continued problems with the internet. After my departure I called the credit card company and described the problems and stated that I wished for my money to be returned as the house was not as described and had no heat or hot water. 
I will try to organize the documentation that I do have and submit it with this summary. It is ludicrous that I should be charged for a 14 day stay including the non return of my security deposit ( {$150.00} ). 
I have some photographs to document my claims and will send the digital images along with this complaint. 

Attachments : ( How can I submit these?? ) 1. response to credit card company for major issue ( {$640.00} ) 2. under kitchen sink mold and electrical connections 3. Evidence that Homeowner knew I was leaving on the XXXX 4. Leaving the house 5. leak under sink 6. Trees cut neighbors property in attempt to strengthen signal ( homewowner aware of previous internet problems ) 7. My response to credit card company concerning return of security deposit 8.Keys left, prior emails 9. misc. issues, internet
Product: Mortgage

I have had nothing but bad information or refusal to get information and have been lied to multiple times and was reported to the credit bureau for non payment inaccurately by this lender. Formally the money source now serv bank. I had lost my job due to covid and requested assistance and was sent thru the process of applying XXXX times by them. Each time they would deny it saying I didnt turn a certain piece of information etc etc. I started asking for supervisors to verify over the phone that they had received everything needed to which they would confirm and then later deny my request stating they hadnt received something. I was forced to record all conversations with them both voice and on paper with full names and dates and information related to call. They told me I was in foreclosure at one point and I was not. They have also been rude, harassed myself over the phone and refusal to give out information on my loan with them. I have XXXX years worth of documentation and this is just some of the examples of the lack of professional service as well as potentially illegal activity they have taken part in. It has caused a severe disruption and stress in my life to the point of causing XXXX XXXX  and worry for my family. They have tried and successfully worked towards foreclosure even when the VA had mandated no actions could be taken until a certain date due to XXXX. I have and still am currently being charged for numerous fees for their attorney and inspections towards foreclosure even tho I was forced to file bankruptcy to try to preserve my home. I once had an XXXX credit score until they inaccurately reported me as non payment for 13 months which severely hurt my credit score and effected my ability to do many things. I can not apply for a new lender because of this. I belive their actions are both intentional and illegal or unprofessional to say the least. I can provide all documentation of examples I have recorded.
Product: Credit reporting or other personal consumer reports

Equifax has an address in XXXX, CA XXXX and I have never lived in XXXX XXXX. I lost my wallet several years ago which I reported stolen at my local police station. Additionally, a debt collector was trying to collect a debt when I was still under the age of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXXXXX XXXX XXXXXXXX today, XX/XX/2022 to receive a copy of the credit report they pulled on XX/XX/ 2022. I previously purchased a vehicle on XXXX XXXX, 2022 which is why I understand them running the previous reports. During the discussion today I was informed they do not have my records anymore and that I should call TransUnion to get a copy of the report since that is what they used previously. They provided the phone number and I called right after. An hour later I was notified by XXXX that a hard inquiry was ran by XXXX XXXX XXXX. I called them again and asked why they ran my credit. They responded saying they didnt do it but could see it pulled and said I did it by using XXXX XXXX I have never used it and I only called TransUnion after my phone call with them, therefore, I never used it. I made them aware I didnt do it and I asked them to take it off and they said they couldnt. Even though it clearly shows they ran my credit
Product: Debt collection

I got into an accident XX/XX/year>, I never payed off the debt as I was XXXX and didn't have enough to cover it, Today they gave me a call and said the amount I " used '' to owe was {$1700.00}, but it had been discounted to {$890.00}. They apparently gave me a discount just now for {$590.00}. I'm very skeptical and unsure whether they are legit or not since they are apparently " lowering '' the price for me. When I went to the medical website it said my debt went to collections, and I owed nothing to them. So I'm unsure as to if I'm being lied to, or scammed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The Consumer Financial Protection Bureau 's ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Information under 15 U.S. Code 1681 Dear CFPB I am writing to formally dispute certain inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Upon reviewing my credit report, I discovered incorrect and unverifiable information related to the following accounts : Upgrade ( Account # : XXXXXXXX XXXX ( Account XXXXXXXX XXXXt ( Account # : XXXX Santander Consumer ( Account # : XXXX Nature of Dispute : The reported information on these accounts is inaccurate, misleading, or unverifiable. Specifically, I request a thorough investigation into these accounts for possible errors, including but not limited to : Incorrect balance or payment history Inaccurate account status ( e.g., open/closed, delinquent, etc. ) Unverified or unauthorized reporting Inconsistencies with my records Request for Action : Under 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days and provide me with written results of your investigation. If your investigation finds that these accounts can not be verified, they must be removed from my credit report immediately. 

Supporting Documents Enclosed : I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted A copy of my government-issued ID and proof of address Any relevant supporting documents Please update my credit report accordingly and provide a written confirmation of the results of your investigation. If these accounts are not corrected or removed, I request a statement of how they were verified, including the name and contact details of the entity that provided the information. 

Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/XXXX : XXXX Case Closed. 

Tried to activate a gift card I received from a friend. I proceeded to : www.prepaidgiftbalance.com. Got an error message it can not be processed. Tried to call customer service # XXXX on the back of the gift card. The rep asked which state the card was purchased. I said I do not know since this was a gift card received from a friend who travels. She said she is unable to help me activate the card since I do not know which state the purchaser bought the gift card. I explained that it was a gift received and that I didn't purchase the gift card so I do not have this information. She reiterated that she couldn't help me. I called the number to get another agent who then asked me to go to the website above and fill out some info for users that are unbale to use card because the card was flagged for fraud. I tried to fill out the info with name, address etc but the site was not processing. He kept insisting I need to upload my drivers license or photo id to get a replacement card and the site will not let me upload any documents so he asked me to fax. I just want a new card or for the current card to be activated so I can use in store or online. 

Follow Up : XX/XX/XXXX : Received a letter from US bank. 
responded Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 

Follow Up : XX/XX/XXXX : Sent an email with Non-Expired government-issued ID with current address to company 's email '' XXXX ''. The company stated in said letter I will hear back within XXXX business days with next steps. Today is XX/XX/XXXX and I am yet to hear back from the company. I just want a replacement card so I can use in store or online.
Product: Mortgage

I received a VA loan for my home from land Home Financial. During COVID they offered payment assistance for the mortgage that was to be resolved by a loan modification. I received a loan modification which was supposed to have a three-month trial and if all provisions were met, then it would become permanent. I sent in all the notarized documents in XX/XX/2021 and made monthly payments as stipulated. I also obtained tracking information to as proof that the company did receive the loan modification paperwork. About two months later, I began to receive collection information to which I called the company and resent the loan modification docs and proof of delivery. Also noted that the company cashed the certified check that was requested of me. I continued to received collection notifications over the ext 17 month, I called the company XXXX times, requested to speak to a manager, and was told managers don't speak with borrowers. They directed to me three different divisions within land home financial. This company only communicated by generic email addresses so you never really get the chance to speak with a person whom toy can call back or provide further info. I have made every mortgage payment in a timely fashion and sent proof but they still insist on the collection and potential foreclosure. Recently I found out my loan modification was never entered into their system or processed. Again, i was told to call back in a week all the while, i make monthly mortgage payments that my back insists are made and provide electronic proof of transfer while Land Home Financial still struggles with answers as to why the loan modification was never processed and why the money I spend every month is not applied to my mortgage. Since I have tried in vain repeatedly to get answers, I finally resorted to hiring an attorney in the hopes that I can get answers and land Home Financial attention to solving a problem that should never have existed in the first place. I hated even spending XXXX dollar to hire a lawyer as this was totally unnecessary if their departments would communicate with one another. This company will provide the VA loan but are completely unreliable at servicing the VA loan appropriately.
Product: Credit reporting or other personal consumer reports

( XXXX ) Fair and accurate credit reporting is essential to the financial system, according to the FCRA. Inaccurate credit reports cut banking efficiency, and unjust credit reporting undermines public confidence, which is vital to banking. 

Thus, FCRA violations reduce banking efficiency. I control what goes on my consumer report, so this violates my privacy. Identity theft occurs when accounts are reported without my written approval. 

This violates 15 USC 1681b ( 2 ) and 1681c-2. This makes the credit reporting agency liable for negligence and willful noncompliance under 15 U.S. Code 1681n, which permits {$1000.00} per violation for accounts listed without my written agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating i have a Capital One card that was opened XX/XX/2017. I did not open this card and if you look at the purchases im sure you will find nothing belong to a man. I want this credit card removed from my credit report because i will not be paying for something I didnt authorize.I havent had access to mail box until my now ex wife moved out in which I had to have the mail box lock changed to get back access.You guys shouldnt have open that account and should have noticed something was wrong from the start.I want this account removed from my credit report. not closed but removed ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.