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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX TransUnion LLC XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX
Product: Debt collection

This is a clear violation of 12 cfr 1006 34c and 15 USC 1692. There was no validation of this debt as well as not knowing I could evan dispute this debt. This debt has damaged my consumer report as well as my mode of living. Please remove Credence from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, XXXX, and Trans Union letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXXXXXX  {$200.00} XX/XX/XXXX XXXXXXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by Ocwen Loan Servicing LLC under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. Ocwen rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got Ocwen to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XXXX of XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from Ocwen which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( Ocwen ) and the credit reporting agencies. Ocwen has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by Ocwen. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from Ocwen claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian leaked personally financial information in XXXX, at their advice I placed a freeze on my credit information. Now, there isn't anyway to unfreeze the data so that I can refinance a mortgage. Despite providing them with PIN they provide I can not unlock my information. I have provided extremely personal financial information via the US Mail at their direction in XX/XX/XXXX, but can not get a response of any kind from them. There is no way to contact and reach a live representative to discuss the issue as they only offer online services that say to mail the information or phone responses that say to mail the information. They are actually costing me tens of thousands of dollars from changing finance rates. At this point, it appears the only way to reach a live human being is to pay up for their XXXX XXXX program, which appears to be a violation of the settlement agreement for the data hack in XXXX and the Fair Credit Reporting Act.
Product: Checking or savings account

I borrowed money from private lender for my business ( {$50000.00} ) but when when the money came into my account, Capital one bank restricted the fund after several calls and copy of singed agreement was email to them. 
Every day, i am losing {$750.00} from my business and i have to start payment on this month XX/XX/2021.
Product: Debt collection

Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.
Product: Credit card or prepaid card

On XX/XX/2022 I received a Bank of America debit Visa card and I do not have any account at Bank of America. I called to inquire why this card was mailed to me. The number I called wasXXXX. I was told to contact XXXX XXXX XXXX XXXX XXXX. The representative said she had no phone number and I should search the internet for a number. I want to know why Bank of America sent a prepaid debit card to me that I never requested. And I would like to ensure this does not happen again. I also have a freeze on my credit so I do not understand how this card was approved to send to me. 
Thanking you in advance for your assistance in this matter.
Product: Credit card or prepaid card

I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit CARD with JP MORGAN CHASE BANK. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Product: Mortgage

My loan was sold in XX/XX/XXXX by Union Home Mortgage ( XXXX ) to XXXX XXXX. In that transition, I was informed that tax forms with escrow documents and amounts would arrive from both companies for the portion of XXXX that each company was the administrator, respectively. I received the form from XXXX XXXX before XX/XX/XXXX, but I have yet to see any information from Union Home Mortgage. I attempted to sign into my online portal, per the direction of the customer service staff, multiple times. I reset my password on XX/XX/XXXX and was able to download the old forms, but the new one was not accessible yet. Since this date, I have no longer been able to access my account information or get forms related to my loan with UHM. My attorney reached out to the company on XX/XX/XXXX and was advised this information was 'archived ' and that they would have to research and follow up within 20 days. They were to email and mail me these documents. I have yet to receive anything, again, and when I call I do not get a straight answer from customer service. At this point, I risk filing incorrect taxes, with an extra expense to have future amendments completed. I have personally not heard back from XXXX since my attorney reached out to them. No phone calls, emails, texts, etc. to provide communications or updates. I do not trust that they have accurate information or that they properly documented the loan payments I have been making, including managing my Escrow and insurance payments. If excess expenses or audits occur as a result of this error on their end, I will pursue cost recovery for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX : ADDRESS : 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 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 card or prepaid card

In XX/XX/XXXX, I received a XXXX  debit card in the mail from XXXX All-Access by XXXX for which I didn't apply. At that time, I called them to let them know that I did not apply for this card and they stated that it was a promotional, internet advertising, marketing card. 

In the meantime, I had been a victim of identity theft and had been working with a recovery XXXX. We called XXXX XXXX by XXXX together XXXX XX/XX/XXXX and spoke with XXXX. XXXX XXXX by XXXX wanted me to contact the FTC, file a police report and send a copy of said police report to them. Our conversation was disconnected before we could get an address where to send the police report. 

The XXXX XXXX and I called again on XX/XX/XXXX and asked for the address where to send the police report. They gave the telephone # for the FTC as the contact #. Also gave the email addresses of XXXX and XXXX to send the documents. 

In XX/XX/XXXX, I received a XXXX in the mail from XXXX. On the same day ( XX/XX/XXXX ) and with the same person above, XXXX at XXXX stated that the XXXX was a website advertisement, opted me out of future mailings and told me to cut up the card.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Debt collection

They continuously have been calling me claiming that they are a Debt Collection Agency. I have no Past Due Debts and furthermore I NEVER received anything from them in writing regarding the Debt I allegedly owe. I have not returned their calls since it sounds very sketchy to me. They have called on besides today at XXXX, also on the following dates and times : XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX. And numerous prior times since my phone only can hold so many Caller IDs. They have also used several different phone numbers from where they call from : XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

Mountain Land Collection has multiple accounts against me. They include personal medical information and are in violation of HIPAA by having such debt listed. This gives them access to my personal medical information that I did not sign to give them access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

i contacted the company asking for verification as well as validation including my signature of a signed contract of this alleged debt. they sent back a bill which is no indication of evidence of my knowledge of this debt. i explained to them that i have been victimized by identity theft. they have yet to take action of any kind and its still reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricane Ian on XX/XX/XXXX. Pretty much everything I owned was destroyed & the whole city of XXXX XXXX, Fl was affected in some way. USPS was no longer delivering mail to my home community. On XXXX I purchased some supplies at Staples totaling {$73.00} using my Staples card, ( which is managed by Citibank ). This purchase was out of my mind until I received a ( XX/XX/XXXX dated ) letter from Citi on approximately XX/XX/XXXX that was forwarded to me by my former workplace to my new home in XXXX, XXXX. Letter stated I was past due, ( 1 ) owing them the {$73.00} ( stmt closing date of XX/XX/XXXX ) ( 2 ) late fee of {$29.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ( 3 ) additional late fee of {$40.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ) Total amount from 3 statements was now {$140.00}. I never received any of these XXXX statements due to this ongoing disaster recovery period. Upon calling Citi & explaining my situation they did delete the {$42.00}, but said they could not forgive the other late fee amount. At that phone call I submitted payment for {$100.00} ( per XXXX. # XXXX ). I requested they remove this late payment from my credit file due to my unusual circumstances ( have had this credit card since XXXX with a perfect pay history ), but they said it had already been reported to the credit agencies. I submitted a dispute to XXXX, XXXX XXXX XXXX that an amount of {$62.00} past due is still appearing on my credit reports. When submitting the dispute there is a choice of reasons why you were delinquent & mine was " Natural or Declared Disaster ''. ( federally declared disaster # XXXX ) Despite this, Citi has felt they could not retract this negative report they submitted to the credit agencies. I realize my dollar amount is small, but my perfect credit score ( was in the XXXX 's ) has now been blemished. I thank you for helping me get this resolved.
Product: Credit reporting or other personal consumer reports

This is my another refilling of complaint to WELLS FARGO CARD SERVICE for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

im a victim of identity theft, these accts werent open with knowledge
Product: Checking or savings account

I already had extensive contact with the banks involved with no resolution. I transferred {$3000.00} from Discover Bank savings account to XXXX XXXX XXXX XXXX XXXX  checking account, both accounts in MY NAME. Discover deducted the funds but XXXX XXXX never added the funds to my account. I'm OUT {$3000.00} with no resolution after giving both banks all the details MULTIPLE times and contacting the FDIC with the details as well. the FDIC referred it to you and I'm out {$3000.00} since XX/XX/22. I need an answer and a refund please. I don't care which account the $ XXXX ends up refunded to. I'm thinking neither wants to admit fault so neither wants to do the refund. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2023, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Please remove from credit report.
Product: Debt collection

I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.