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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I was told that there was nothing that they could do and I would have to report the fraud myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXXXXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion The following inquiries were not authorized and should not be reporting.
Product: Debt collection

I have had XXXX accounts with Southern Oregon Credit Service for a few years now. The debt collectors have now attempted for the XXXX time to garnish my wages. XXXX accounts have been paid off with them. The XXXX times, I called SOCS to make the delinquent accounts right with them. Each time they have worked with me to fix the problem. This XXXX time was different, I will admit that I did not return their call. however I have never returned their phone calls. I send in my payment of XXXX each month. XXXX is the collector I last talked to who told me that they sent back my XX/XX/2015 Check because my account was expired and that I cannot just send in money and expect them to accept it. I told her this is the arrangement that was made with them. She said they refused the check and sent it back to me. I have yet to receive the check. Today XX/XX/2015 I received the garnishment papers as well as a letter from their attorney that was written on XX/XX/2015 but post marked on XX/XX/2015 The letter states that I have XXXX days to dispute the validity of the account. This leaves me with a week to make any arrangements with them. However When I called to make the necessary arrangements, they refused to help me and told me that the garnishment would stay in place. I need to know what I can do to fight this. I feel that even though I did not make contact they are still contradicting themselves. Their attorney is telling me that I can make payment arrangements but XXXX has refused to help me with anything, as well as refused my monthly checks. I have spoken with my bank institute who has confirmed that my XX/XX/2015 check was in fact cashed and processed.  Is there anything that I can do to fight this Garnishment? This will be processed as of next week. I can use all the help I can get. Legally isn't their something against refusing payments on accounts?
Product: Checking or savings account

Horrible customer service. Since opening a new business account in XX/XX/2020, I didn't feel my business was appreciated or wanted. In XX/XX/2020 I deposited a check in the amount of {$12000.00} form XXXX XXXX XXXX XXXX as a Third Party creditor to my now terminated business account. On my deposited slip it stated funds would be available in 10 days. However, after that time frame I checked my account for an update and was locked out my account.Chase failed to communicate or alert me of any issue prior to me contacting them. After an additional 7days it was brought to my attention, XXXX XXXX ( XXXX ) XXXX, one of the debtors whom signed the check failed to have XXXX XXXX XXXX # XXXX ( XXXX ) XXXX, also endorse the check. I asked that chase cancel the check to have XXXX XXXX reissue a new form of payment ; they stated the check had already cleared. During the duration of me communication with all parties to have XXXX electronically endorse or authorize payment Chase terminated bout my Checking and Saving account. Chase never communicated or sent notice of any actions being brought against me. When spoke with a representative she disclosed Chase reserved the right to not do business with anyone at their discretion.
Product: Mortgage

Ocwen Loan Servicing acquired my loan from another lender and the amount they claimed I owed was incorrect. I contacted them on numerous occasions to get this matter corrected but they insisted that their numbers were correct and proceeded to foreclose on my property. I filed complaints against them in court and they wrongfully foreclosed on the property in 2016. I am still living in the property due to court filings. I hired a legal consultant " XXXX XXXX XXXX XXXX '' in XXXX Ga to assist me with purchasing my property back from the Ocwen, but the attorneys for Ocwen refused to submit my offer to the bank, because they want to drag it out in court -- in a effort to get more legal fees. 

Additionally, I offered the full market value for the property along with a purchase contract and pre-approval letter. I am asking for assistance from your agency because I am being discriminated against and they are trying to take my home, that rightfully belongs to me. Ocwen has a checked past when it comes to wrongful foreclosures, after they acquire it from other lenders. Please see attached letter.
Product: Debt collection

I keep getting phone calls and letters in the mail because our syndicated team that XXXX and every day
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, Equifax, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Product: Debt collection

I had bankruptcy # XXXX on XX/XX/2009 case was closed, Portfolio recovery trying to the discharged debt to collect from me. calling to my business number every day up to 3 times and hang up each times with different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute and its been well over 30 days and I havent received any response back form them.
Product: Vehicle loan or lease

Exeter Finance and XXXX XXXX XXXX are in violation of identity theft. I currently pay {$420.00} to Exeter Finance and this company doesnt have my physical title on hand when it was needed. The document attached will show information that was shared with me as proof that XXXX XXXX XXXX has access to my private information.

3-302. HOLDER IN DUE COURSE.

( 2 ) the holder took the instrument ( i ) for value, ( ii ) in good faith, ( iii ) without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, ( iv ) without notice that the instrument contains an unauthorized signature or has been altered, ( v ) without notice of any claim to the instrument described in Section 3-306, and ( vi ) without notice that any party has a defense or claim in recoupment described in Section 3-305 ( a ).
Product: Mortgage

In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}. 
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance. 
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house. 
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement. 
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale. 
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement. 
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer. 
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house. 
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner. 
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure. 
Thank you very much.
Product: Mortgage

Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Credit reporting or other personal consumer reports

FCRA Section 605B mandates the elimination of any erroneous entries from my credit record. Can you verify the paperwork? Certain accounts listed display inaccuracies in their reporting, including erroneous amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit regularly with XXXX XXXX. I noticed this past time a new address is added that is not mine by Experian. I couldnt find their address to directly contact them. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX. But there is an address of XXXX XXXX XXXX, XXXX, Virginia added that is not mine. It belongs to my ex-husband, who I divorced in 2015. Also, unfortunate, there were some things that was put in the divorce creed that he alone was responsible for and transitunion would not remove my name despite having court documents to do so. If you can help with that please let me know and I can send the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

Capital One my checking account dishonored a check I deposited, claim fraud, which is not only untrue, its slander / libel. They suspended my account without proper notice, causing me to bounce approximately XXXX XXXX in payments. As a result of Capital One 's misconduct, my rent, health care, credit cards and every other aspect of my financial life have been completely destroyed.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT  LAKES. Pursuant to XXXX XXXX ( XXXX ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( GREAT LAKES ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX OF XXXX, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.