23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold to Carrington MS , Inc about 6 months ago and they have made it nearly impossible to pay more than our minimum payment. We always try to pay extra to pay down our premium and previous mortgage servicing companies have made it easy to do so. Carrington, however, wants to collect as much interest as possible and refuses to work with us to make paying our loan off early a reality. It is frustrating that mortgage companies can sell our loan whenever they want, but our only recourse to rid ourselves of a selfish company is to refinance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX of all accounts below has 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 a account without my written instructions XXXX XXXXXXXX XX/XX/XXXX Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Balance Updated XX/XX/XXXX Recent Payment {$2000.00} Monthly Payment XXXX  Original Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX Original Balance {$11000.00}. Account Name XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified Experian, XXXX, XXXX XXXX but haven't got the any answer. XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 15 u.s.c 1681c. ( A ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c 1681s-2 ( a ) ( 1 ) : A person shall not disclose to a customer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

I had enrolled in autopay twice with this company, unfortunately it did not go through. When I was aware of the problem I fixed the problem. The company however has not. I have been told that the reporting are to old and can not be removed. This is stopping me from moving forward with a refinance of my property. The amount is {$15.00} per month.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away OFFICE OF THE ATTY GEN XXXX Balance : {$4000.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you regarding my the credit reporting bureaus XXXX, XXXX and Experian regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX XXXX XXXX AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$930.00} # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Checking or savings account

Wells Fargo is trying to stick me with monies owed by another family member whom scammed wells fargo
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector AssestCare LLC reported a XXXX debt to XXXX and it lowered my credit score. It says its connected to XXXX XXXX XXXX in XXXX XXXX XXXX, which I have never visited. I have received no correspondence at all regarding this debt and have no idea who it belongs to. I disputed it with XXXX and the response from the debt collector said payment received ( see attached ). I paid nothing and do not understand why this is still on my credit report.
Product: Debt collection

When I lived at XXXX XXXX ( rent recovery 4K+ ) I was going thru a bad case involving XXXX  XXXX. This- because my XXXX  was released from jail and soon found me and made his way in ti my apt . It wasnt long before the abuse began and police as well as the office management were involved. I was defeated until I was opted the choice to live with my brother and move out. I had to break my lease to do so but XXXX, the assistant leasing agent, was very understanding and I was able to work out with her and XXXX the manager a deal where I could leave and make my payment for breaking the lease in small monthly payments and AVOID CREDIT REPORTING. After I moved I called several times and was told XXXX was no longer there but to bare with them- as soon as a new manager was placed I could work out the same agreement. I spent weeks calling until I finally drove back to that office to speak to them in person. This is when I met the new manager, who said sorry, its too late- its been sent go collections. Youll have to take it up with them. 
First- i was never given a fair chance to live up to my word and make small payments to pay off the debt. Second- why is everyone ignoring the fact that I had no choice but to break my lease to survive. Isnt a victim of XXXX protected by VAWA? Which i mentioned to both XXXX and XXXX. I would think even in an income restricted apartment complex they would do more to help me but instead I cant lease anywhere or even think to buy a home now that Im on my feet again. This debt is haunting me and they wont remove it!
Product: Credit reporting or other personal consumer reports

I got many hard inquiries on my credit report and I didnt did that so I need to solve this problem
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Whenever I make a large payment to pay down my balance, the credit card company, XXXX, freezes my account. They require that I call them every time this happens and verify all of my past card uses and payments. Then I am told it will take up to 10 business days to resolve and unfreeze my account. This has happened at least 3 times over the last 3 years I've had this credit card. This last time I had to call 3 different times and I was given the same excuses. The last time I called which was today XX/XX/year> I was told they would now like for me to take pictures of my social security card, i.d., and send in a mail with my name and address on it. This is extremely suspicious. I am also noticing that a new fee is being added called a maintenance fee of {$7.00}. They are constantly pushing an identity protection plan on me as well. sounded very much like I was getting set up for identity theft. All because I made a {$500.00} payment. I told them no one would steal my credit card and pay down the balance so why would these payments be suspicious? They also like to turn off autopayment randomly so they can charge a {$50.00} late fee when they dont automatically take out a payment. Something is going on with this credit card company and it needs to be investigated thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed in XX/XX/2023 that I was unable to access my Experian account. After password reset attempts, I discovered that Experian had an incorrect phone number that they were using for 2nd level authentication. In XX/XX/2023, I opened a case with Experian. For three months, I did not hear from Experian except when I emailed them and finally discovered they had closed my case. I again opened a case in XXXX and in XXXX, with no resolution, opened a case with the XXXX XXXX XXXX. After multiple emails ( all with a promise to resolve the problem ) I finally received a call on XX/XX/2023, asking for screen prints ( of screens previously emailed to Experian twice before ). I sent the information during the call and attempted to follow up with the person I received a call from. I called their personal office phone number and left multiple messages on her voicemail, as well as multiple emails - but no response was received. I have received emails from the XXXX where Experian is saying they have resolved the issue. Each time, I respond that I have not been contacted and that the problem still exists. I have also notified Experian that I am concerned my data has been compromised because the 2nd level verification phone number is incorrect, and I keep having to reset my password. Experian assures me my information is safe ; however, over the last few days, I have received three letters from three different companies that they believe my information has been compromised. Experian is refusing to respond to my requests, continues to attempt to close the XXXX case, and is refusing to correct the phone number which is allowing someone else to get into my file. Experian is refusing to safeguard my data and refusing to correct the access issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card 4185 account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

My accounts were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen Wells Fargo suspected a single deposit was fraudulent.
Product: Vehicle loan or lease

This dealership has violated my rights as a consumer! Not only they ran my credit XXXX times, they also got me to get XXXX XXXX which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it in & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX, when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explained the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase XXXX XXXXXXXX XXXX just saying that he would make my pmt in the XXXX month there's so many codes violated! I had good credit XXXX by the dealership running my credit so much 9 times Hard Inquires on XXXX & XXXX from XXXX, XXXX 3 times, every time I would call to speak to XXXX XXXX & leave a message I would not get a call back, In fact I was being fwd. to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way over priced also the advertisement was a fraud also this dealership had me put down {$3000.00} on top of a trade in they low balled me on & that's another violation no cash was supposed to be taking @ all & this was before even signing the contract another violation!! They were also telling of other banks they can get me approved which is a violation, The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really, he was ripping me off. I would like a Rescission & everything I've paid for the car & monthly pmts and pain and suffering, for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want my justice with this Dealership. This company has caused me stressed because they ruined my credit score in total, they ran my credit 15 times in total!
Product: Mortgage

On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a  decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX   Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. 
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. 
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.
Product: Debt collection

I Received a call from Western Merchantile in XXXX XXXX Oregon 2 1/2 months ago. 
Talked to a XXXX who informed me that I had a medical bill from 15-17 years ago. 
I told her that was very odd considering how old it was and how we just paid off all of our medical bills with XXXX. I told her when we did we specifically asked them if there were anymore bills with them. They informed us we were clear! 
When XXXX called about this bill, I informed her, in the 15-17 years, this is the very first time I have ever made aware of this medical bill! 
I do not have a clue what it was for, nothing. 
She wanted to collect . I told her I was going through a divorce and work was slow I wasnt working. I had nothing!!! 
I told her the monies I had, I have a XXXX year old daughter that I have custody that I have to think about & keep a roof over her head. 
XXXX then informed me she would call me back in 3 months to see where I was at and arrange a payment plan. 
I went to use my debit card on XX/XX/19 at a grocery store having {$1300.00} in my checking account. My card was denied do to insufficient funds. I had another card from an account that had a bit of $ left in it that was the joint account from when I was married. I used it and it too was denied due too insufficient funds.. 
I looked at my bank account and it said western merchantile {$1100.00}. 
I contacted my bank first thing XX/XX/19 and they had informed me that western merch. Had garnished my account. 
This has come to surprise to me as I had not received 1 phone call nor did I receive 1 letter in the mail. 
XXXX did not call me To set up any payment plan like she agreed. 
I had written checks to pay my rent, my power bill. Those checks obviously are no good now due to her taking my money from my checking account without notice. I have been penalized for the checks by my bank. I have also been charged {$120.00} in garnishment fees by my bank, leaving me with a negative balance and no monies to pay for my daughters medications! 
I want something done about this as it was crooked the way Weatern Merchantile went about this!!!! 
I know NOTHING about this medical bill!!!
Product: Debt collection

A collections agency named XXXX XXXX XXXX   has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX   store and XXXX  said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about.

XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online.

Thank you in advance for your help with this matter.
Product: Debt collection

This company said I opened an account with them on XX/XX/2021 which is totally false and I believe is fraudulent. I have not entered into any contracts, signed any agreements or promise to pay any debts with the company listed. I need this debt removed from my credit report and to cease any further attempts to collect this fraudulent debt.