23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and for over a year, I have been disputing several fraudulent accounts that have been incorrectly reported on my credit reports. Despite submitting multiple written disputes to XXXX, XXXX, and Equifax, these accounts continue to be inaccurately verified as legitimate. Additionally, the credit bureaus have falsely claimed that I am using a credit repair company, when in fact, I have personally sent all dispute letters. I have attached evidence and account details below to support my claim. 

Here is a list of the fraudulent accounts I am disputing : XXXX ( XXXX XXXX ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1200.00} Balance : {$1500.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$780.00} Balance : {$780.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1000.00} Balance : {$1000.00} Status : Charged off as bad debt, dispute resolved by credit grantor. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, reported by subscriber. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$540.00} Balance : {$540.00} Status : Charged off, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$490.00} Balance : {$490.00} Status : Charged off as bad debt, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, customer disagrees. 
XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$580.00} Balance : {$580.00} Status : Seriously past due, collection account assigned to attorney/agency. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account information, account assigned to collections. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off, account in collections. 
Last Reported : XX/XX/XXXX. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off as bad debt, account in collections. 
Last Reported : XX/XX/XXXX. 
Comment : Account information disputed by consumer, meets FCRA requirements. 

I have made multiple attempts to resolve these issues directly with the credit bureaus, but they have failed to adequately investigate or provide documentation validating these accounts. These fraudulent accounts have significantly impacted my credit score, and I am seeking the CFPBs assistance in removing these items and ensuring a proper investigation is conducted.
Product: Credit card or prepaid card

I paid a payment to capital one credit card on XX/XX/XXXX in the amount of {$190.00} from my XXXX XXXX XXXX debit card. On XX/XX/XXXX the payment posted to capital one account. On XX/XX/XXXX it posted to my XXXX debit account. Then in XX/XX/XXXX I checked my capital one account and saw they did a payment adjustment for the {$190.00} on my account saying I owed it to them again. I contacted XXXX and they said it posted. Capital one said it didnt. OnXX/XX/XXXX I did a three way call with a XXXX rep and a capital one rep. They both opened claims in their investigation depts and gave me temporary credits because they both agree this was strange and the payment should have posted on capital ones end. On XX/XX/XXXX XXXX reversed the temporary credit saying the investigation found XXXX not at fault. XX/XX/XXXX Capital one closed their investigation saying they are not at fault. I reopened both claims Again on both companys and once again I was denied by both companies saying they are not at fault. I have sent capital one a letter from XXXX with their heading at the top of the page and a copy of my statement with my name and everything on it showing that payment posted. Capital One still cant find fault on their end and I dont know what else to do. I have provided proof that the payment posted. I need capital one to post the payment and leave it alone. Please help!
Product: Credit reporting or other personal consumer reports

I have an issue with Kikoff lending LLC who falsely reported on my credit report and dropped my credit score and they are saying I am 90 days past due. I never used the line of credit that was given to me and the line of credit is not a true line of credit. It is not a loan, it is not a true credit card. Kickoff lending LLC is a scam.
Product: Credit card

Ive tried to contact Truist but they will not fix the problem and transfer me to automated services instead. I did not give permission to run my credit at any time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on there. Please remove this account from my credit report. Its hurting my ability to obtain credit. Thank you! |
Product: Debt collection

Subject : Dispute Regarding Collection Activity and Violations of Consumer Laws Dear Sir/Madam, I am writing to dispute the collection your agency has placed on my credit report, Credence Resource management,. It has come to my attention that your actions violate my consumer protection laws, including but not limited to the following : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite my request for validation information pursuant to this regulation, you have failed to provide the necessary validation of the debt, yet you have proceeded to place this debt on my consumer report. This action is in direct violation of the requirement to provide validation information upon request from the consumer. 


Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in question in accordance with this regulation. It is my right as a consumer to dispute any inaccuracies or discrepancies regarding the alleged debt, yet your agency has failed to provide me with this opportunity.

Violation of Consumer Rights : Your agency has engaged in false, misleading, misrepresentation, and deceptive practices in its collection efforts. These actions constitute a clear violation of consumer rights and protections.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency lacks the authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. By furnishing this account to a consumer reporting agency without adhering to the necessary disclosures, you are in clear violation of these regulations.

I demand that your agency cease all collection activity related to this alleged debt until such time as you can provide proper validation information. Furthermore, I request the immediate removal of any negative entries related to this debt from my consumer report, as they are misleading.

I also request the purchase agreement between your agency and the original creditor.
Product: Credit reporting or other personal consumer reports

I filed several disputes with XXXX and TransUnion to remove XXXX XXXX from my credit profile. I submitted court documentation to XXXX and TransUnion which was mailed certified mail and uploaded to XXXX and TransUnion. XXXX XXXX filed suit against me for a debt that is not mine in court and I filed a counter suit and XXXX XXXX decided to dismiss the case. I want XXXX XXXX remove from my credit file
Product: Debt collection

I am filing this formal complaint against HERITAGE XXXX regarding a collection charge-off and inaccurate reporting on my credit file. Below are the details : Creditor : HERITAGE XXXX Date of Charge-Off : XX/XX/year> Despite my previous disputes with the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX no corrective action has been taken. HERITAGE XXXX has failed to provide proper verification of the alleged debt, violating both federal and Texas state laws governing debt collection and credit reporting practices. 

Additionally, this debt is time-barred under Texas law XXXX as the original delinquency exceeds the 4-year statute of limitations. Despite this, HERITAGE XXXX  continues to report over 17 late payments, which is inaccurate and misleading.

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request and receive debt verification. HERITAGE XXXX has not provided verification yet continues to report this charge-off.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct any information that can not be verified after an investigation.

Texas State Violations : According to Texas Finance Code, Section XXXX, consumers are entitled to dispute debts and require verification from creditors. 

Under Texas Civil Practice & Remedies Code Section XXXX, the statute of limitations for debt collection is 4 years. Since this account originated in XX/XX/year>, it is now time-barred and legally unenforceable. 

I request immediate action to resolve these issues, including the removal of inaccurate information from my credit file and the cessation of any further reporting or collection attempts on this time-barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts appearing on my credit report and one credit inquiry delete accounts and inquiry immediately.
Product: Credit card or prepaid card

My purse was stolen on XX/XX/XXXX XXXX while visiting XXXX, XXXX. I had a Venmo Debit card that was stolen. 3 purchases were made on the card. 
XXXX. {$830.00} at XXXX  ( store # XXXX ) XXXX. {$48.00} at XXXX XXXX XXXX XXXX {$43.00} at amazon I have contacted Venmo on multiple occasions. 
On XX/XX/XXXX I received a credit for {$43.00} and on XX/XX/XXXX they reclaimed the credit. 
I filed a police report with XXXX XXXX on XX/XX/XXXX. 
I am attaching proof of email interaction as well as transaction info.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX OF XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I was never 30 days late XXXX XXXX, 2019
Product: Credit card or prepaid card

On XX/XX/XXXX there was a fraudulent charge of {$9200.00} on my XXXX credit card with Bank of America. I immediately contacted the bank to report the fraud on XX/XX/XXXX. On XX/XX/XXXX, contacted local police, filed a report with the Federal Trade Commission and put a fraud alert out for XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Bank of America stating that my claim was resolved and that the fraudulent charge would be credited, and the charge was credited. On XX/XX/XXXX, I was charged {$9200.00} by Bank of America, reversing the credit. There was no communication from Bank of America about the reversal of the credit. I called the bank 's claims department on XX/XX/XXXX, but the bank employee was unable to tell me why the credit was reversed and was unable to undo the reversal. He stated that I will need to contact the claims department. 

I am being led around by Bank of America for a fraudulent charge that should have been taken cared of on the day it happened.
Product: Mortgage

Ocwen took over my loan XXXX XXXX. My mortgage has been a total nightmare since. 

The most latest issue is as follows : Please find attached documents for your review ). 

I was approved for the Florida Hardest hit fund ( HHF ). Monies were actually funded and posted to my loan on XXXX/XXXX/XXXX in the amount of {$50000.00}. 
Ocwen sent me a " MODIFICATION OF PROMISSORY NOTE '' which I signed and had notorized. As you can see by the attached document, Ocwen 's Loan Servicing had XXXX persons sign this same document. Promissory Note is entered into XXXX XXXX, XXXX. 
Based on this Note, I started making my monthly loan payments, P & I then add in my escrow, which is {$120.00} for XXXX. 
All of sudden, Ocwen is sending me Default Notices. As you can see by my PAYMENT HISTORY from Ocwen 's Website, my payments are made per our contract, each and every month. Payments are due on the XXXX of every month, I have a grace period up to the XXXX of each month. I live of Social Security XXXX, only, each month. 
Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan. 
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract. 
Now, Ocwen claims the 'MODIFICATION OF PROMISSORY NOTE '' Is 'NULL & VOID '' How can that be? It is my opinion that we agreed and entered into a legal contract together. Now they want to back out of this contract. Can they legally do this? Is it considered to be a legal & binding contract? If so, how can I get them to realize this and change the figures in their system. I have been working with their account Representative " XXXX ''. Her supervisor finally got involved and he escalated it to the Modification Department who states they can not honor this contract since they are claiming my loan can not be recasted. Before the HHF money posted to my loan, I owed approximately {$120000.00}. Then after the monies were posted to my loan my Principal went down to {$75000.00}. 
What Ocwen is doing, is making me pay my monthly loan payments based on thel old balance. I am requesting that the contract of XXXX XXXX, XXXX be honored and the payments are to change according to this contract. Why do I do next? I can not afford an attorney. HELP!!!! I will have no place to live if Ocwen takes my loan into Foreclosure. I pay every month .... 
Your assistance is much appreciated.
Product: Credit reporting or other personal consumer reports

I noticed there was inaccurate and unauthorized use of my credit report. There is a reporting of my birth year as XXXX which is inaccurate. I also noticed addresses and employment that is inaccurate as well My Legal Name is XXXX XXXX XXXX. This Is my Only Name. 
My Address is XXXX XXXX XXXX XXXX Al XXXX. This Is My Only Address My Employment is XXXX .This Is My Only Address. 
There Should be no Other Adresses Reporting 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. 

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

Called XXXX on XX/XX/2018 to get annual credit reports. XXXX and XXXX sent report right away. Called to request Equifax again in mid XXXX. Called today and finally spoke to a live person at Equifax. Answered bunch of questions and then I had to answer another batch " for security purposes '' which seemed designed to thwart all efforts to get a credit report. I was asked for specific MONTHS that I first got each of my credit cards, even though I have had 2 ( of 3 ) for more than 3 decades. I have been retired for over 20 years, told them who my last employer was, but they wanted to know what my last title was. They asked what MONTH I placed the security freeze on my account. They asked what my last balance on X credit card was. ( all of my bills are paid automatically via my checking account. ) The level of detail they required was exorbitant. Then they told me I had to send them a copy of my drivers license and social security card via fax. Most public fax machines retain the info they scan. Can't see how that was a safe request. 

I have lived at the same address for over 22 years. I just wanted them to send the report that they have sent me every year for the past 10 or 15 years. I don't know what is different this year. The other two agencies had no problem sending me a report. I am over 60 years old and could not possibly remember some of the detail asked of me, especially inconsequential details from so long ago. The entire " confrontation '' seemed designed to discourage to the point of denial of my annual credit report.
Product: Mortgage

XXXX XXXX is stated to be my " relationship manager '', but every time I try and reach this person they do not return my call or email. They have been my " relationship manager '' since the case began in the beginning of 2018. XXXX 's phone number is XXXX XXXX XXXX ext XXXX and email is XXXX. XXXX has not directly reached out to me at all. 

It is also instructed to contact XXXX if you can't reach XXXX. However, that email provides only a receipt that email was sent and then they do not respond either. 

Each time I try and reach them, there is no response from either Mr. XXXX or any of his colleagues.
Product: Credit card

I purchased and afterward returned two XXXX to XXXX XXXX. I've paid for this merchandise with a Bank of America Credit Card. XXXX XXXX confirmed the receipt of my merchandise return and promised a refund shortly, but that never happened. 

After trying to address issue with XXXX XXXX without success, I've opened a claim with BofA. I've submitted all the information to BofA explaining why the dispute should be resolved in my favor, but BofA continues to deny it without really providing any proper explanation. Below is a copy of my last contact with them : CLAIM NUMBER : XXXX Hereby, I, MY NAME, would like to confirm that I have followed all the right procedures to return the merchandise related to this claim and I would like to request BOFA to reopen the claim and rule it in my favor. Attached to this letter, I'm sending supporting documentation to show that I have returned the merchandise according to the merchant policy. In the documentation you will be able to find : XXXX receipt from my drop off of the merchandise associated with the claim ; Tracking confirmation from XXXX confirming merchandise as delivered ; Diverse communication from the merchantXXXX XXXX confirming that they have indeed received my merchandise and that a refund is due. 

With all the above in mind, I strongly request that claim is decided in my favor. 

Attenciously,
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, used profane and obscene language, damaged my reputation as a consumer, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.
Product: Credit card

victim of identity theft Applying for a mortgage and the derogatory information is hurting my credit score badlyt
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.