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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I XXXX T XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.
Product: Mortgage

They're not willing to take the PMI off of my mortgage when the mortgage exceed the amount of the house when I can have it taken off by law as making it very hard for me to make payments and eat food to feed my children this is difficult I don't need the PMI I told them I read things online where I can have it taken off by law and they won't take it off this is hard I'm not able to to feed my kids.
Product: Debt collection

On XX/XX/year>, I received an email about a legal document saying that a debt collection agency will be freezing my bank account and take funds from it. According to the legal document it says that {$10000.00} is owed. On XX/XX/year>, {$1000.00} was taken from my account. My issue is this is not my debt, I do not have a legal case about any debt/debt collection meaning I have been wrongly accused and charged for this debt. I have tried to contact the agency to resolve the issue but they would not cooperate with me. Due to the agency not cooperating with me I would like to file this complaint so that they unfreeze my account and return my funds back to my account.
Product: Credit reporting or other personal consumer reports

Experian hasn't updated my credit score after lender reported inaccurate information about an payment. Experian updated my credit report after dispute but didn't put my points back that was taking away.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I received a very alarming communication from third party debt collecting claiming that I owe an alleged debt and that they can legally accept payment for it. But I have never spoken to them ever and I did not give them consent to communicate with me. They have invaded my right to privacy and obtained my private information through illegal and criminal means.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at    JCPennys o n  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did . SYNB/OLD NAVY   XXXX / XXXX / XXXX  &  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from SYNCB  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Product: Debt collection

I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my report after being notified of a data breach with XXXX and Experian. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- EQUIFAX is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--
Product: Mortgage

XXXX passed away. Called carrington mortgage and told them. They gave me info regarding how to proceed with reverse mortgage payoff being I was the heir to property. I sent them all info regarding real estate agent and listing. I called several times as we were suppose to close on house but things were pushed back do to buyer. I received letter dated XXXX XXXX. ( attached ) that stated I had until XXXX XXXX to send in documents being I asked for extension. The house sold and closed XX/XX/2023. On XX/XX/XXXX I was served with foreclosure papers! And they added a {$2800.00} fee onto the ending balance due. I called SEVERAL times and everyone was SO RUDE! I want my {$2800.00} back. I followed thru on my obligations as heir to a reversed mortgage house. In LESS 4 months the house was SOLD and PAID IN FULL. Letter from carrington is attached. I was in contact with them several times. I have read that MANY PEOPLE ( especially heirs ) have had this happen to them! ) They knew the house was up for sale ( I sent them info ). They knew we were closing as soon as buyer was set.
Product: Credit reporting or other personal consumer reports

These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have XXXX inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year> XXXX XXXX XXXX  {$57.00} Date Opened XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry Dear TransUnion, I recently received a copy of my Tranunion credit report. The credit report showed credit inquires by your company that I do not recall authorizing as shown listed below. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED COCONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. 

ACCOUNTS_____ACOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX HAS VIOLATED MY CONSUMER RIGHTS 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries from XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not factual and do not belong to me.
Product: Credit reporting or other personal consumer reports

This marks my third submission of a complaint through CFPB concerning the remaining fraudulent items in my Experian and XXXX Credit Reports, as well as the unattended fraudulent items by the XXXX Credit Bureau. Due to these issues, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in ensuring the resolution of these fraudulent items, particularly the inquiry issue on my XXXX Credit Report. Here 's a list of the fraudulent items I need to have removed : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One Bank placed an inquiry on my credit report on XX/XX/year>, fraudulent did not give consent
Product: Debt or credit management

I consolidated my debt after recovering from an accident. It was convenient at first. A few months in to my program I started receiving calls, text and emails multiple times a day to get a loan through a company they work with. After feeling almost forced into it with assurance I would almost surely get it, I was denied fast and took a hard credit it. After this I decided to just pay my debts in entirety by myself. I was promised by MULTIPLE agents if I paid nearly {$10000.00} in full that ALL of my debts would be SETTLED in 90 days. It has now been 6 months past that time. Ive been calling and talking to the creditors myself to get them to reach out to jg wentworth. They creditors said they were never contacted. After jg went told me repeatedly they were all contacted. I did the work myself and for the last debt the needed more money so they could make {$600.00} to pay {$900.00} and I did all the work! I repeatedly called an tried to talk to supervisors and was denied. When I was finally able to talk to one I was assured Id be called back that day with an update on their lies. The supervisor actually told me she doesnt know where the people working on my case were. No one tells her if they quit or have a baby. Anyway, she never called back. I called XXXX  days later and was told she had lost service. Ive talked to many people there and each one has had a different lie and outright accused me of making things up. Mind you they record everything. HUGE SCAM!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by DISCOVER FINANCIAL SERVICES ( XX/XX/2021 ) ), and I have no recollection of doing any business with DISCOVER FINANCIAL SERVICES. I contacted DISCOVER FINANCIAL SERVICES and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a hard inquiry on my credit today without permission. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized hard inquiry on my credit report on XX/XX/2017 from XXXX/National Credit Cards/Airlines. When I called the number to dispute it, they were very rude and said they would not remove it. I could not get it removed from XXXX, as they said I had to call XXXX XXXX. I was stuck in a circle.
Product: Credit reporting or other personal consumer reports

I attempted getting my credit report from all three credit bureaus all to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Creditor : XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against Navient for reporting inaccurate late payment information on my credit reports to XXXX, XXXX, and XXXX. Despite repeated disputes over the last several months, Navient has failed to correct these errors or provide verifiable proof of the late payments. 

Key Issues : Inconsistent Payment History : The payment records display 90-day and 120-day late payments without any prior 30-day late payments. It is impossible to be reported as 90 or 120 days late without first being 30 days late, indicating clear errors. 

Contradictory Information : Different credit bureaus report conflicting information for the same accounts, highlighting inaccuracies in the data provided by Navient. 

Unverifiable Late Payments : Navient has not provided any documentation to substantiate these late payments despite multiple requests. This violates the requirement for information to be accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must ensure that the information they report is accurate. Navient 's reporting of inconsistent and illogical late payments violates this requirement. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus are required to correct inaccuracies within 30 days of a dispute. This has not been done despite several disputes.

15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct thorough investigations of disputed information and correct any inaccuracies. The failure to correct these issues suggests this obligation has not been met.
Product: Mortgage

OVERVIEW : Ocwen Loan Servicing LLC failed to fully refund an over-payment on my home. The refund check was short by {$460.00}. 

FACTS : 1. Ocwen had serviced my home mortgage until I closed on the sale of my home on XXXX XXXX, 2016. 
2. An extra auto-payment of {$2600.00} was made on XXXX XXXX, 2016. The payoff amount declared by Ocwen was fully paid at closing on XXXX XXXX, 2016, so the auto-payment of {$2600.00} was an over-payment. 
3. I called Ocwen 's Customer Care number ( XXXX ) on XXXX XXXX, 2016 to inquire about a refund of the over-payment. I was told that a full refund check was mailed on XXXX XXXX, 2016. 
4. The refund check arrived on XXXX XXXX, 2016. The postmark shows it was mailed XXXX XXXX, not XXXX XXXX. The postmark is coincidentally the date of my inquiry. Furthermore, the check was backdated to XXXX XXXX, 2016. Finally, the check was only {$2200.00}, not {$2600.00}. Consequently, it was short by {$460.00}. 
5. I called Customer Care again on XXXX XXXX, 2016. I was told by Customer Care representative " XXXX '' that my complaint would be submitted to the " Refund Department '' and I would need to wait for up to ten business days to get a response. 

CONCLUSIONS : 1. Ocwen failed to promptly refund the over-payment. 
2. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that they had already mailed the full refund check on XXXX XXXX. 
3. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that the check was a full refund of the over-payment of {$2600.00} that I had submitted via auto-payment on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.