23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint against PHH Mortgage Corp. and Ocwen Loan Servicing , LLC Dear CFPB, On XX/XX/2022 XXXX XXXX, who is Ocwens employee located in XXXX, acting as Consumer Account Analyst for PHH Mortgage Corp. sent me a letter about dispute regarding a mortgage account related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX IL XXXX, Case number XXXX, which also has a regulatory case ID XXXX. 

The letter has a statement that PHH is a debt collector and apparently wants to collect from me a mortgage debt. However, I don't see any statements as required under FDCPA re disputes. 

I demand PHH Mortgage to send me a copy of the Mortgage and Promissory Note which they mentioned as a basis for my dispute and a copy of the Regulatory Case with the Office of Consumer Ombudsman ( please provide the full address for the Ombudsman and their direct contact information since the number XXXX appears as a fake number )
Product: Credit card

We hired a contractor and gave a 50 % down payment of XXXX. 

The work they did was so shoddy that we had to hire another contractor pay to have their work undone and corrected incurring additional costs over and above the down payment. 

We filed a dispute with Citibank and they denied it even though the merchant didn't contest the dispute. 

In addition to Citibank is saying they're going to charge me late fees and interest for the reversal.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX through XX/XX/XXXX i has been weird transactions on my cashapp I contacted them they team said its nothing they can do i had bills to pay and money was took from me when I finally talked to a person it took longer to reply each time then they chat disconnected
Product: Credit reporting

Equifax has fraudulent accounts listed on my credit profile and they refuse to remove it. The companies are XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I have disputed these fraudulent accounts for several months and Equifax continues to verify them. Equifiax is refusing to provide me with documentation or their method of verification. They have addresses on file that I 've never been associated with. 

I 've reported the identity theft to the police and they provided me with an identity theft report. These fraudulent accounts were to be removed within 4 business days and they were not. Equifax is violating the law and holding me accountable for accounts that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that XXXX has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX XXXX XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from Capital One that they were cutting my credit limit in half due to non-usage. I have used the card responsibly since I have had it, paid on time, etc. I called to ask for this to be reversed since such a move will have an adverse effect on my credit score but they refused to change policy. We are in a global pandemic where people are most vulnerable this is not the time to play games with peoples credit and ability to interact with the economy!
Product: Money transfer, virtual currency, or money service

I took a loan out with one main financial for XXXX and I signed up that if u lost your job u didnt have to make payments for a year and of course after 2 payments I lost my job but they still sent me to collections I'm still without a job
Product: Checking or savings account

I was charged over draft fees for bank fees on the account, said I only got 1 NSF fee returned per year when this wasn't even my fault. Had no idea about bank fees and they should not charge them for fees they put on they account. 

I am putting in dispute claim as well.
Product: Debt collection

On XX/XX/19 I called Northern Hills Collections located at XXXX XXXX  XXXX XXXX, XXXX SD XXXX, and attempted to set up a monthly payment with XXXX and XXXX. Both ladies were extremely rude, understandably, and refused to send me further information about my case that they have. I requested documentation about my file with them, and they stated that they had already sent it, and didn't have to send another one unless I sent a self marked envelope to them. They refused to give me in any kind of writing what I was agreeing to pay them monthly. When I asked, several times, if they were obligated to do this, to give me an agreement, they simply refused to answer, yes or no. They refused to give me any form of update on my payments, saying that I could keep track of those records myself through my bank accounts.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Student loan

I have a federal student loan with a company called ACS. I have tried multiple times to set up an income based repayment plan with them as I have with other loan companies. ACS consitantely claims they never received my application via fax nor my documentations. I sent the documentation ( 3 ) times. I never heard anything back from them. Every time I called they claimed they never received my documents. I received a letter in the mail that stated if I did not send them {$30000.00} by XX/XX/2017 my loan would go into default.This was after I tried multiple times to set up various types of payment plans with them. They stated I was not eligible for any type of deferments or forbearance 's until I bring my account up to date by paying them {$5000.00}. I have never been behind in my loan payments until ACS became my loan service. I am desperately trying to avoid the loan I have with them from going into default however they are not willing to work with me at all.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Fraudulent Account Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, Reported Date Opened as XX/XX/2023, and a Reported Balance of {$340.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name. 
I have attached a copy of the Identity Theft Report to provide proof of the unauthorized activity. It is your legal obligation to immediately block this fraudulent information from my credit report, given that I have provided the required documentation, and to notify the furnisher of this information about the block.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that experian is inaacurately reporting account XXXX. Please investigate and provide proof that this account was closed in XXXX of XXXX  rather than XXXX of XXXX. If proof can not be provided I demand this account be deleted. 

After disputing this account and attempting to resolve the issue directly with the credit bureau, experian continues to inaccurately report on this particular account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

Account : XXXX.
Product: Mortgage

I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a 1099-C from XXXX XXXX  charge off account. This makes that account inaccurate. Experian has refused to remove this account. Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 


Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ). 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Sec

tion 623 ( a ) ( 3 ). Additionally, I am requiring that you provide me
with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX  XXXX loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked inaccurate. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and which someone got an account under my name with XXXX. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Debt collection

Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.
Product: Credit reporting or other personal consumer reports

I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11.

Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Product: Consumer Loan

Checking credit report, found credit inquiry from Great American Finance. Call them, identified myself with ss #. 

They tell me they have no record of running my credit. Called XXXX and was told the only way they can do anything is with a deletion letter. 

So I guess XXXX has no authority or remedies here when there 's potential fraud, seems a bit short sighted to not have some built in protection or authority required by credit agencies. Then again, they 're here to sell us that protection, way to go on that one, someone 's always looking for a way to take our money. 

Since they have no authority, let 's use up your time and some of our tax dollars. Since we 're paying for you to do this job, you might as well do the credit reporting that the bureaus do. 

I need to find out what 's going on here and have this removed, thank you
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Debt and Investigation Identity Theft Dear CFPB Representative, I am writing to formally dispute a debt reported under my name and to request your assistance in resolving this matter. Despite my efforts to address this directly with the debt collection agency and related parties, the issue remains unresolved, causing ongoing harm to my credit and financial standing. Previously, I contacted the debt collection agency to request the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation and documentation of the debt. Name and address of the original creditor. Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. Verification of the debt via original contracts or supporting documentation. Confirmation that the agency is licensed to collect debts in my state. To date, I have not received any of the requested documentation, which constitutes a violation of 15 U.S.C. 1692g ( Verification of Debts ). This failure to provide the required information demonstrates a disregard for federal compliance and raises serious concerns about the validity of the debt. The debt in question involves XXXX XXXX XXXX attempting to collect on a cable account associated with XXXX XXXX XXXX XXXX XXXX XXXX ' collection agency ). This debt is directly tied to a fraudulent residence at XXXXXXXX XXXX XXXX, which was obtained through identity theft. I have already informed XXXX XXXX XXXX that this debt is the result of identity theft. While they acknowledged this and subsequently charged off the debt, they have reportedly recovered funds for the loss. Despite this, the debt has been repeatedly sold to other collection agencies, perpetuating a cycle of harassment. Important Legal Consideration : Under federal law, once a creditor charges off a debt and recoups funds ( through insurance claims, tax write-offs, or other financial recovery methods ), the creditor forfeits the right to collect on the debt. Any subsequent attempt to collect would violate the Federal Trade Commission ( FTC ) guidelines regarding " double recovery, '' which prohibit creditors from collecting on a debt they have already been compensated for. This practice could also violate state laws and the Fair Credit Reporting Act ( FCRA ). Additionally, as a victim of identity theft, I am entitled under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have fraudulent accounts removed from my credit report upon providing a statement of dispute and supporting documentation. I have provided all required evidence to both XXXX XXXX XXXX and the debt collector, yet they have failed to address this issue adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX bank and my previous card ending in XXXX. According to XXXX my account was hacked somehow I think my card was skimmed because several people in this small town had theirs skimmed as well. 
XXXX XXXX REFUSED to alert me to strange expensive purchases and even though they took it upon themselves to block a lot of phony purchases they decided to keep everything a secret. They closed my account and ALL ACCESS FOREVER TO MY PREVIOUS TRANSACTIONS. My credit score crashed 100 points because of them and I have proof that I 've been using this card almost  like a cash card paying off my balance in full OR MORE OFTEN EVEN MORE THAN THE FULL AMOUNT I do all of this to rebuild my credit and it was working my FICO score went up about a 100 then crashed IMMEDIATELY WHEN THE HACKING STARTED. 
XXXX XXXX PROMISED ME that they would contact Experian to explain but they just told me that was a lie to get me off the phone. XXXX XXXX violated their own posted rules by refusing to alert me when my account was being hacked then denied access to my own information. It 's hard enough to recover from bankruptcy and I even took a class as to how to rebuilt my credit but you allow these guys to do whatever they please with zero consequences. I 'm still being transferred from one incompetent agent to another with as always zero results.
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
( XXXX XXXX XXXX Account XXXX ; XXXX )