23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/VICSCRT Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I order XXXX XXXX  for a bundle package with Premium channels and Internet together as one bill when received bill it was for two different amounts called several times and spent a lot time on phone supervisors said that someone entered in wrong so I explain change the plan that I originally asked for the refused and said they could do nothing for me tried to get me to change to a more expensive plan I said I would not that I want to discontinue services if they couldnt they said they wouldnt now being charged {$700.00} to discontinue now the sold my debt to Sun rise collection also my credit has collection on it I have asked Sun Rise that I would pay half even though I do t feel I should pay anything but they are unwilling to
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these items immediately XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for XXXX. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From XXXX on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX obtained a copy of your XXXX  Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?
Product: Credit reporting or other personal consumer reports

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO EXPERIAN, XXXX, XXXX, XXXXXXXX XXXX, AND ALL OTHERS
Product: Mortgage

My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Product: Debt collection

I had XXXX and it affective my health, I was unable to do anything for myself at the time these account got establish.At the time someone had to steal my identity, I did not authorize no one to use my personal information. The is fraud and I would like these account to be remove immediately. please and thank you!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists Credit card account # XXXX opened at XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX  on XX/XX/XXXX, Credit account XXXX opened at XXXX XXXX XXXX XXXXXX/XX/XXXX, credit card # XXXX Opened at XXXX XXXX ON XX/XX/XXXX, Credit account # XXXX opened at XXXX XXXX  on XX/XX/XXXX, Auto lease account # XXXX opened at XXXX XXXX on XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have had a Citi Costco card since XXXX I always used it to get rewards at Costco. This past year I used my card enough to earn a {$1400.00} reward. I have auto pay set up for this account and never had any problems until In XXXX of XXXX I made purchases to equal a auto payment of {$12000.00} which caused an insufficient funds on my bank account twice before the third try went through. Little to my knowledge this situation allows Citicard to terminate my account and cancel my rewards for the year 10 days before I was to receive my {$1400.00} reward for Costco shopping. Ive tried numerous times to get something accomplished with this to see why I cant be allowed to fix this or negotiate anything but no deal. Im very frustrated that this Citi Card has the right to steal money from me and my family in a Pandemic?
Product: Credit reporting or other personal consumer reports

ive made a few disputes on this matter via mail attached i will provide all documents sent copies and tracking number to prove that ive tried to get a remedy from this company. 

i am a XXXX XXXX XXXX i have provided every document required by law for the information requesed to be blocked within 4 days. the company is not responding to my request. the next course of action will be to sue in the court of law i've tried to do my due dilligence resolving this matter.
Product: Credit card

Someone decided that I should be paperless. This was the start of this issue. I did not receive a bill as I pay my bills upon receipt. Have a XXXX credit score. Company sent me E mail that bill was late and fined me {$40.00} late fee for a {$80.00} bill. I ask them to waive late fee? I paid the account in full as soon as I was aware of this bill on XX/XX/23 Check # XXXX {$210.00}. As of today a check with my bank reveals payment has not been accredited to my account and now they threaten too contact crrdit bureau.I have neve eve been late on any bill..As soon as this credit card has a XXXX balance I will close this account based on their poor handling of my account. When I retired XX/XX/23 the Governor of Virginia wrote me a letter of congratulations. I always pay my bills own 4 houses ( beach house ) mortgage free and do not appreciate being treated this way. Please take action as I am sure others are getting same treatment. Our mail service is terrible get mail XXXX XXXX, other peoples mail no mail etc. ans holidays may have contributed to this payment???? They should look at all factors payment history etc before threats are made.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX  XXXX XXXX. As well as for XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

21 mortgage discriminated against XXXX XXXX & XXXX XXXX XXXX XXXX via delaying payments from XX/XX/XXXX to XX/XX/XXXX. The company representatives XXXX XXXX refused to provide important documents via email & letters until when Attorney XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX Telephone ( XXXX ) XXXX ext XXXX of 21 St Mortgage Company provided total XXXX Dated XX/XX/XXXX.  The refused to accept payments to increase company profits. The physical address is XXXX XXXX XXXX XXXX, XXXX GA XXXX. 
For six month 21 mortgage utilizing numerous schemes to increase profits. The home is not foreclosure. However, the company refused provide important information until Attorney XXXX XXXX XXXX Office to discuss why refused to accept mortgage payments.
Product: Mortgage

Wells Fargo is more than doubling my mortgage payments on a rental property than I have been paying them for XXXX years on time every month. They found out what I 'm charging for rent, so they are trying to make my payment the same as the rent. They told me they do n't care if I am not making any positive on the rental. Why would I keep a property with no monthly income?
Product: Payday loan, title loan, or personal loan

I applied for a PERSONAL loan for {$2500.00} from One Main Financial XX/XX/2019. I was told that once the loan was paid off, they would return the title of my car that they used for collateral. They actually tacked the {$2500.00} onto the amount I owed my car, plus charged a high interest which was not explained to me. They refinanced my loan 4 times without my permission. Since XX/XX/2019 Ive paid over XXXX XXXX in interest on a {$2500.00} loan. Ive repeatedly asked for copies of the previous loan agreements and was told that after one year they destroy all the paperwork so I dont have access to the refinanced loans I never requested. My car is worth $ XXXX yet I still owe One Main XXXX XXXX which I cant afford. My credit score dropped XXXX points because of what they did. They were deceptive in how the loan was presented, they continue to withdraw high monthly payments from my bank account which only pays the interest and not the loan. I cant afford basic things such as groceries or bills because of how much has been taken from me.
Product: Credit reporting 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 COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Furnishing and Reporting Old Information Furnishing and Reporting Inaccurate Information Withholding Notices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, Transunion, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, Transunion, XXXX  will not remove and XXXX will not answer my calls ) XXXX XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on Transunion, XXXX, XXXX  not my account and was not removed XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on Transunion & XXXX  and was not removed Transunion collection account doesnt belong to me and was not removed. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on Transunion and XXXX  not my account XXXX  collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my XXXX  report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Transunion inquires not from me. I have reported by Transunion has not removed XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX from XX/XX/XXXX XXXX. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX   XXXX/XXXX XXXX Ca Inquiry from XX/XX/XXXX Finance XXXX  Auto Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Finance XXXX  inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX