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

Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On XXXX, XXXX XXXX XXXX  on XXXX, XXXX XXXX  XXXX. on Transunion. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

XXXX : The information provided by XXXX states that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a 30-day late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

XXXX : The information provided by XXXX indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows two consecutive 30-day late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single 30-day late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

TransUnion : According to TransUnion 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according XXXX which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

The Ocwen Company acquired  my mortgage loan from  XXXX  bank on  XXXX / XXXX / XXXX  with a balance of {$210000.00}. Over  a two  year period  Ocwen has charged me bogus fees and extraneous charges to try and force me to foreclose on my home. Ocwen expects me to believe that my {$210000.00} debt has climbed to {$390000.00} in 2 years. They have charged me foreclosure and property maintenance and other fees for a property that was never foreclosed on and I still  own. I have attached the list of charges. I have complained to the Missour i Attorneys  general office and CFPB in the past. Ocwen should not be allowed to lie, bully and ruin homeowners futures in  this way. I suffered a significant financial hardship after the  XXXX  real estate recession and  Ocwen is  determined to bury me financia lly. Ocwen a greed to use  XXXX   XXXX  dollars to work with homeowners and during that time they proceeded to offer me a underwater loan modification . Ocwen told me  that the investor of my loan did not participate in principle reductions. They told me that  XXXX   XXXX   XXXX  etc owns the loan. When I contacted the investor they said they have nothing to do with the day to day mortgage servicing and they do not prevent principal reduction modifications. I can not tru st Ocwen as m y mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Company : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX, XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXXL DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXXXXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXXXXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Comenity Bank XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Product: Credit card

I am filing a formal complaint against Klarna Inc. for failure to properly handle billing disputes, failure to acknowledge merchant refunds, and inaccurate credit reporting. Klarna has violated the Fair Credit Billing Act ( FCBA ), Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Act ( CFPA ) by failing to resolve disputes within required timeframes and reporting false debt information to credit bureaus. 

Issue # 1 : Unresolved Return Dispute {$530.00} Purchase Date : XX/XX/XXXX | Merchant : XXXX | Klarna Order Ref : XXXX Item : Fleece Jacket | Total : {$530.00} | Payment : Klarna XXXX XXXX  Returned : XX/XX/XXXX ( XXXX  receipt available ) Merchant Refund Date : XX/XX/XXXX ( {$530.00} refunded to Klarna XXXX XXXX  card ) Dispute Filed : XX/XX/XXXX Despite clear proof of refund from XXXX, Klarna has refused to apply this refund to my Klarna account. The dispute remains unresolved for over 85 days, violating FCBAs 60-day dispute resolution requirement. 

Issue # XXXX : Incorrect Outstanding Balance After Price Adjustment {$1000.00} Purchase Date : XX/XX/XXXX | Merchant : XXXX | Klarna Order Ref : XXXX Item : Down Jacket | Total : {$1000.00} | Payment : Klarna XXXX XXXX  Price Adjustment Refund : XX/XX/XXXX ( {$520.00} refunded to Klarna XXXX XXXX card ) Klarna failed to apply this refund correctly, leaving me with a false outstanding balance of {$1000.00}. This incorrect balance was reported to credit bureaus, despite multiple disputes. 

My Efforts to Resolve the Issue : XX/XX/XXXX : Contacted Klarna via phone and chat with proof of refundstold to wait for dispute resolution. 
XX/XX/XXXX : Sent all refund receipts and evidence via emailno response. 
XX/XX/XXXX : Filed another disputeno resolution. 
XX/XX/XXXX : Contacted Klarna support againtold they couldnt assist. 
Multiple Website Disputes Filedno corrective action.

Klarnas Regulatory Violations 1. Failure to resolve disputes within the 60-day limit, continuing to hold me responsible for charges despite proven refunds. 
2. Reporting incorrect debt to credit bureaus and failing to correct it within 30-45 days after disputes.

3. Engaging in deceptive and unfair practices by misrepresenting my financial obligations.
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with XXXX, Equifax and XXXX. To this date there is still information on my report that is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

EXPERIAN CONTINUALLY, DISPITE MY DISPUTES, REPORTS MY NAME, ADDRESSES AND CREDIT FILE INCORRECTLY. I HAVE SENT NUMEROUS NOTICES OVER THE YRS TO DISPUTE. EXPERIAN IS REPORTING THAT I HAVE DELIQUENT ACCOUNTS, HIGH BALANCES AND TOO NEW CREDIT..WHILE AT THE SAME TIME STATING THAT IT CAN NOT VERIFY MY IDENTITY. EVEN THOUGH EVERY DISPUTE I SEND IN HAS A DRIVERS LIC, PASSPORT, SS CARD, BIRTH CERT, EMPLOYER RETIRED ID, A BLANK CHECK, MEDICAL CARDS AND IMAGES OF DEBIT AND CREDIT CARDS. EXPERIAN IS SINGLEHANDEDLY DESTROYING MY CREDIT FILE. I HAVE NO DELIQUENT ACCOUNTS, AND ALL OF MY CREDIT CARDS HAVE A XXXX BALANCE. THE ONLY LOAN I HAVE OPEN IS MY MORTGAGE THAT I AM OF COURSE PAYING ON TIME. EXPERIAN IS CAUSING PAIN AND SUFFERING AND I RECENTLY FOUND OUT THAT THEY ARE BEING SUED IN A CLASS ACTION SUIT FOR XXXX DISCRIMINATION VIA THE INTERNET ALGORITHM, ULTIMATELY ISSUING LOWER CREDIT SCORES TO MINORITIES ESPECIALLY XXXX XXXX  LIKE MYSELF. MY CREDIT SCORE SHOULD BE AT LEAST XXXX. MY CREDIT SCORE WAS HIGHER WHEN MY DEBT TO INCOME RATION WAS HORRIBLE LAST YR. IT HAS REMAINED AT XXXX NO MATTER WHAT HAS BEEN PAID OFF. THEY ARE CONTINUING TO REPORT MY NAME INCORRECTLY WHICH IS ALSO DAMAGING MY CREDIT FILE AND CAUSING CREDIT DENIALS, EMBARRASMENT, PAIN AND SUFFERING.ALSO I AM BEING SHUT OUT OF BUSINESS CREDIT AND HAVE TO CLOSE MY BUSINESS FULL TIME. IF I HAVE TO CLOSE MY BUSINESS I WILL FILE FOR DAMAGES UNDER THE FAIR CREDIT REPORTING ACT.THE ONLY RESPONSES PROVIDED ARE ROBOTIC EMAILS.THE PHONE NUMBER PROVIDED IS AN ARTIFICIAL INTELLIGENCE RECORDED LOOP THAT REFUSES TO TRANSFER YOU TO AN ACTUAL HUMAN BEING. I HAS BEEN A VISCIOUS CYCLE OF ME SPENDING MONEY TO COMMUTE TO THE POST OFFICE AND SEND THE LETTERS CERTIFIED AND FIRST CLASS MAIL FOR WHICH I WILL ALSO BE SEEKING DAMAGES. WHATS WORSE IS EVERYTIME I REPORT THEM TO THE CFPB, EXPERIAN RESPONDS THAT INFOXXXX IS VERIFIED AND THE CFPB CLOSES OUT THE CASE AS RESOLVED. I CONTINUE TO LODGE THESE COMPLAINTS AND DOCUMENT THEM FOR PAPER TRAIL PURPOSES.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Debt collection

The company TRANSWORLD SYSTEM INC is alleging that I owe a debt that has not only not been proven to be mine what so ever but also they have no jurisdiction to collect this alleged debt in my state
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are- XX/XX/XXXXl 've reached out to the companies and haven't received any type of feedback back
Product: Debt collection

ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. <P/>We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. <P/>I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. <P/>We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling Ally Financial and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint first time against Experian Credit Bureau, since I came across by searching my credit report on the account that I never authorized and never received any goods or financial benefits. I have sent letter to dispute incorrect information on my report and Experian never responded to it. My letter was mailed more than 45 days ago via certified mail. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX, There is another account on my report XXXX  XXXX XXXX - I don't think so this is my account. Please verify. I WAS NEVER LATE ON MY PAYMENTS ON ANY ACCOUNTS, THIS ACCOUNT IS SHOWING INCORECCT INFORMATION. IT MUST BE VERIFIED AND INCORECCT INFORMATION MUST BE REMOVED. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Product: Mortgage

I have been trying to refinance my home from BSI. Previously, we had to settle out of court because of their lost their summary judgment in court back in XX/XX/XXXX. In the agreement, I was to be able to refinance the home anytime without any prepayment penalty. The first time I tried to refinance, BSI told the XXXX XXXX XXXX XXXX that I was XXXX. This was a lie. BSI never corrected this with the XXXX. Fat forward almost XXXXhree years later, I am trying to refinance through my local bank, XXXX XXXX XXXX XXXX. I was able to go online to acquire my payoff through the online services. As of XXXX BSI has stop allowing me to get my payoff through the online system. Their attorney contacted my attorney and told my attorney that I would have to go through him to get a payoff. On XX/XX/XXXX,, my attorney contacted their attorney in writing requesting a payoff. This was the first time requesting it. BSI has failed to provide my payoff still. The mortgage company and title company requested the payoff as well. BSI lied and told the title company they faxed it. The title company stated they have not received it and have never seen a mortgage company conduct business like this. I have tried calling BSI and now they say its a desist and cease on the account and I can not get a payoff until legal gets involved. My attorney had requested another payoff on XX/XX/XXXX. BSI still elects not to send me a payoff. BSI like the first time are trying to keep me in this bad loan. Additionally, BSI has reported at the end of this month that I owe over {$500000.00} on my home. This is incorrect. This is another tactic they used in my opinion to lower my score whereas I can not refinance my loan. By increasing the amount owed to what the purchase price is hurts your credit. I am quite aware BSI knows this as well. Because of their actions, my credit score dropped XXXX points on all major bureaus. I went online to look at the balance and it is showing {$250000.00} as the principal balance. This was the same amount that was being reported to the credit bureaus the month prior. From XX/XX/XXXX to XX/XX/XXXX my balance owed increased almost over {$250000.00} on all major issued. BSI Financial are using " predatory '' tactics to keep me in a bad loan. They are refusing me to refinance by not giving me the payoff. This is a payoff that has been requested twice. Once in XX/XX/XXXX and secondly, XX/XX/XXXX. My attorney contacted their attorney and still nothing has been produced. BSI is aware that I am trying to close but, refuses to assist as they are obligated to as a mortgage provider
Product: Debt collection

Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account : XXXX This fraudulent account listed on my credit report is not mines and I would like it removed now.