23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Mr. Cooper is my new Mortgage servicer/ Note Holder/ Collection Agency. 
I say this because I don't have a Contract or Mortgage agreement with Mr. Cooper. 
They have been Billing me for my Monthly Mortgage payments for a few months now. I sent a letter asking for ALL DOCUMENTS Including my original Mortgage Note and they didn't provide anything of the such. They have raised my monthly note almost XXXX. 
They have NOT PROVEN they have any interest in my home as far as having the rights to Bill me monthly, they have NOT SHOWN ME ANY PROOF OF PURCHASING MY MORTGAGE AND NOTE. I have NO CONTRACT WITH THIS COMPANY AT ALL. 

THEY WILL NOT COMPLY WITH MY DEMANDS, THIS IS MY ACCOUNT AND I HAVE THE SUPREME RIGHT TOKNOW ALL THAT IS GOING ON WITH MY ACCOUNT. 
I HAVE A MORTGAGE WITH XXXX XXXX XXXX XXXX XXXX XXXX. I CURRENTLY DISPUTING WITH THEM ABOUT DEBT VALIDATION ISSUES. So I don't know anything about this Mr. Cooper Company, and again, have NO CONTRACT WITH THEM. 
They have claimed to be the Debt Collector, Note Holder and Servicer. They can be only one of these Entities..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Transunion we got on lock boo, CFPB COMPLAINT : USE THIS LINK TO ACCESS PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you XXXX this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of human XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion Please delete the following accounts. XXXX / XXXX balance {$340.00} date open XX/XX/XXXX Here are inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had a credit card in 2008. The limit was XXXX. I authorize the credit card company to take {$25.00} a month out of my bank account until the balance was paid in full. About a year later I received a bill stating that I now owed over {$500.00}. I asked how that was possible since I was paying down the balance for a year, they told me they added membership fees, annual dues and late fees which increased the balance to exceeding the credit card original limit. I disputed the amount owed. They removed the debt from all three credit bureaus. Yet they continue to harass me. They have called employers, family members, sent letters. They call all the time to the point where I had to block them. They have even threatened me. It has been over 10 years and they continue to contact my employer and harass me. I am suffering from emotional breakdown from this. please stop them.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Yes, I did submit a complaint. However, I did not submit enough details. I was sold the home " as is ''. However, a disclosure statement was never provided that included noting a dangerous carbon monoxide leak in the gas fireplace, open electrical circuit boxes, lead paint. The seller was XXXX XXXX XXXX. Also, First Priority Mortgage, who sold the mortgage the day after it closed to XXXX XXXXXXXX XXXX, did not inform me of my rights to a disclosure statement, nor its importance, and I have none which I have requested. The FHA inspector noted several of these issues -- no handrails, open circuit boxes, broken windows. The appraiser gave a very low appraisal, which my buyer 's agent XXXX who works at XXXX XXXX in XXXX was shocked by. For this reason, the FHA allowed only payment for an exterior paint and minor fix of the sagging exterior portico. All I was told was to wrap the asbestos pipes with mylar, which my then husband did. And that was all I did. I did not hire any contractors. That is a lie. It actually took 8 months to even close on the mortgage. Is there no recourse here? 

Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Basics of Call Recording Compliance Requirements With Dodd-Frank The Dodd-Frank Act outlines several rules and restrictions financial institutions must follow regarding business communications. These include : Recording all communications across various mediums ( phone, email, text, video ).

Storing records for the duration of the transaction and five years thereafter.

Time-stamping all records for accountability.

Organizing records for easy accessibility. 

With these regulations, financial transactions and correspondences are recorded, and banks become more responsible for their behavior.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit reporting

In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they appeared. I regularly check my credit report, but this time I noticed discrepancies that I couldnt explain. Because of this issue, I urgently ask for the documents Ive sent to be reviewed thoroughly so that I can have peace of mind moving forward.
Product: Debt collection

They call multiple times and day I have already asked them to stop calling me
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX and XXXX XXXX, with the legal department at LENDMARK XXXX once the settlement was paid, my credit report would be updated to, PAID CHARGE OFF, which was PAID for less than the full balance owed!! ( SEE ATTACHMENT DATED XX/XX/XXXX ). Unfortunately, as of today XX/XX/XXXX LENDMARK has intentionally manipulated the update to sabotage me. 

NOTE : XXXX and XXXX updated a month ago. XXXX, is the most unscrupulous reporting agency. XXXX the regional LENDMARK XXXX told me, WE ONLY WORK WITH XXXX! So, XXXX clear he meant XXXX condones the manipulation of scoring.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX AR, XXXX XXXX XXXX XXXX CO # XXXX You did not conduct investigation and as such I request removal of this account from my credit report XXXX XXXX XXXX # XXXX I noticed you are reporting multiple XXXX day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX  days past my due date. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 

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

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an alert that an inquiry was made of my XXXX XXXX report. According to the alert the inquiry was from XXXX. I have not applied for credit for XXXX. I have a credit card with XXXX that was opened 7 years ago, but nothing recent. A couple of weeks ago, I called XXXX to inquire about raising my credit limit but chose not to seek an increase after I was told that it would result in a credit inquiry. After learning of this inquiry, I called XXXX it had no information on the inquiry. Please remove this inquiry from my report.
Product: Debt collection

I took out a small loan with Monterey Financial to pay for a course that I am taking. I have a payment book and every month, I pay my monthly payment, {$160.00} + XXXX ( fee for paying online or via telephone ) on or before the first of the month. Per the contract that I signed and the payment book that I have provided to me by Monterey Financial, a late fee is not assessed until the XXXX of the month. On XX/XX/XXXX, I made my payment online on the company 's website. Several days later, I received a collections call stating that my payment did not go through. I did not have immediate access to the account that I paid from to check so, I made a payment on my credit card. The company not only double charged my credit card but, the original payment that I made on the XXXX was indeed, withdrawn by Monterey Financial from the account.

Another couple of days later, I received a collections call from a representative from Monterey Financial stating that my payment went through on XX/XX/XXXX but I owed a late fee. The woman became argumentative and disrespectful toward me when I read to her the portion of my contract and the payment book that states that your account is not considered late until the XXXX of the month. The woman then hung up on me. This past Thursday, my husband and I paid off the balance in full online. I received another threatening phone call from Monterey Financial. 

I am writing to CFPB because of three concerns 1 ) I did not pay any of payments late. All of my payments were made online and I received messages stating this. Monterey has a habit of waiting to collect the monies from the account. I feel that they are doing this to " justify '' collecting a " late fee ''. 2 ) I am concerned that Monterey Financial will overtake-without my permission- the full balance that I paid this past Thursday. 3 ) That Monterey Financial is falsely reporting to the credit bureaus that a late payment occurred when that is not the case. I am asking for intervention.
Product: Bank account or service

Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and they agreed and sent me proof that I do not have any 30 day late payments with them. XXXX and XXXX updated my credit report to show that I never had any late payments with XXXX XXXX. However, Transunion continues to show that I have a late payment on with XXXX XXXX and has not removed it from my credit report yet.
Product: Credit reporting or other personal consumer reports

Credit card companies are showing incorrect amounts and statuses on my credit report and this is against the law
Product: Credit card or prepaid card

I applied for the Bank of america XXXX credit card on or about XXXX XXXX 2017. But the application is denied even when i am having the credit score of XXXX. At the same time Bank of America did n't provided any reason why the application is rejected? Moreover no instructions in terms of how they made the credit decision and how to acquire the free credit report. This is the clear violation of standards and standard operating principals. Worse than that - they send me a form to apply for the secure credit card to build the credit history, what??? It was just to rub the salt in my wounds. I never opted for getting any marketing or any other sort of material so why they are sending at the first place??
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. There is a fraudulent account in my profile that i want to remove as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX