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

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX Original Creditor : XXXX XXXX ) XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PennyMac Mortgage Service I have paid this loan off XX/XX/2019. As well XXXX XXXX same day. For some reason PennyMac is still lacking on reporting my Mortgage still open and not paid off or closed. Why? I have at least contacted them at least over 4x. Have no clue why they do not resound.
Product: Credit reporting or other personal consumer reports

Dear Transunion To Whom It May Concern : I was in the process of applying for new employment and housing 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. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX XXXX XXXX   XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured. 

I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline. 

My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint. 

It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to XXXX
Product: Debt collection

Please refer to the two letters my attorney sent to creditors regarding Account # XXXX. I am a victim of identity theft and fraud. I notified Customer Service but I am still receiving statements and collection demands. My credit has also been affected.
Product: Credit reporting or other personal consumer reports

Ive never been late on a payment this was in error. i advised the company of the mistake that occurred on their end. On a recorded call the rep advised this would be corrected and it never was. I advised I will be purchasing a car and another home this year and this needs to be removed. They never removed it or contacted withing 30 days
Product: Credit reporting, credit repair services, 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 : # XXXX XXXX XXXX  Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX XXXX, has violated my rights. 

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, credit repair services, 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. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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: Debt collection

I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest.
Product: Consumer Loan

I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  # XXXX XXXX XXXX : # : XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Personal Information : Previous Address ( es ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XX/XX/XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX  in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and  XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Product: Credit card or prepaid card

My credit card with Discover suddenly stopped working after 6+ years of my being a customer ( never once did I make a single late payment ) and this morning my credit report informed me that my account had been closed. I received no notice of this, and upon contacting Discover the representative argued with me that they called me ONCE and left a message to call them back ( I have no such message ) absolutely sent me emails ( which they said during the call that the emails would be found in my spam folder as they were not sent by Discover??? ) and because I did not respond to their attempts to contact me they made the decision to close my account without ever informing me. I have always paid my bill on time, I have no idea what information they suddenly needed or why and I do not understand why they would make such little effort to contact me prior to closing my account without any notice or option to appeal. I would happily have obliged to work with them, but the C.S. rep told me that there was absolutely no way I was going to have the account reopened and that I was not guaranteed to be approved if I were to apply for another card - which I know, because in closing that account my credit score dropped nearly 100 points. This feels like a deceptive, unfair practice and is causing me greatly unnecessary harm both financially and to my credit score, all of which could have easily been avoided. At the end of the call, I told the rep that this was a XXXX excuse for customer service and I was hung up on. Most financial unions offer relief during this time, but I am being crucified for not receiving a single voicemail with no real information about what happened, that my account was in danger of closing, or what I needed to do to resolve it. I feel cheated and completely lost. Six years of loyalty and consistently on-time payments and this is the treatment I received.
Product: Student loan

XXXX became NAVIENT, who then put chargeoffs on my credit report. This has brought my credit score below XXXX points. Furthermore, my loans are XXXX times less with out interest before the chargeoffs. So instead of owing $ XXXX, I owe $ XXXX with interest, in default, with chargeoffs. I did n't even get a degree, nor did I have a GPA that merited any type of funding, as, I failed out of school, immediately after I got these loans. Now I finally have the focus to do well in school, and I have even made the Deans list but I can not afford to finish school. I want them to take ff the chargeoffs whether I pay them or not. When XXXX could n't pay, they did a name change not a IRS administered chargeoff on their FEIN. Why should I have a chargeoff on my SSN?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had XXXX Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the XXXX and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and Trans Union and XXXX did not update my account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX DEPT OF EDUCATIONXXXX  : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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: Debt collection

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Under the Fair Debt Collection Practice I command my consumers rights under sections. 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

account is inaccurately. the collection account is reporting as open according to tje FCRA i have the right to to an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been contacted by XXXX XXXX that inquiries on my credit report were fraudulent. I have contacted transunion several times about this and so has XXXX XXXX and they still refuse to remove these injuries that I didn't not authorize. I have a letter from transunion asking for the removal of these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of where these inquiry came from, XXXX  and XXXX  inquiry