23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I checked my credit report, it made me very upset. I discovered that your company didn't make sure everything was correct before putting it on my report. You are supposed to check for these things as I notified you already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IRS Complaint I cant access my account and i once reported to irs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this off my report letting this company know I never did any business what so ever with this company
Product: Credit reporting or other personal consumer reports

Dear CFPB For approximately 4 months now, I have been sending notifications to the credit bureaus so that they comply with the law and report the accounts correctly. What has been my surprise when I notice that I have been totally ignored in this process in which I find myself. Reading on the internet I realized that my rights were being violated, that's why I came to you so that you can help me with this problem that affects my life. 

Thank you, I hope you can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 fraudulent hard inquiries on my XXXX  credit report from Veterans Uni. The first date is XXXX. The second hard inquiry date is XXXX. The third date is XXXX. I have reached out to the company and they directed me here for further assistance in this matter. I would like to have these hard inquires removed.
Product: Mortgage

I've been working with XXXX XXXX XXXX since XX/XX/XXXX requesting a mortgage modification. I've faxed the modification request and financials to the mortgage company. While the modification request is in processing there is a property foreclosure sale date set for XX/XX/XXXX. I don't want to loose my home
Product: Mortgage

I have had a mortgage with OCWEN since 2002. Due to severe financial hardships, I had to remortgage my home that was previously paid for. I have repeatedly asked for modifications to this loan # XXXXxxxx. I was put behind in my payments, when I applied for ( the first of three ) modifications to my mortgage, by being told, via a recorded message NOT to make any payments until the modification was approved. This caused me to fall behind, adding payment on top of payment Then, OCWEN did not approve the modification, and said I owed all the back payments, which was impossible to make, causing my mortgage to fall into default, causing extreme stress and heartache. At one time I was forced to pay app XXXX A MONTH FOR AT LEAST 12 MONTHS, ALMOST CAUSING ME BANKRUPTSY ON A {$56000.00} MORTGAGE TO CLEAR UP THE PROBLEMS THAT OCWEN CAUSED!!!. FOR OVER 12 MONTHS, I HAVE MADE THE PAYMENTS ( {$870.00} app ) ON TIME, AND HAVE ASKED FOR MODIFICATIONS AT LEAST THREE TIMES, AND WAS TOLD EITHER I DID N'T SEND IN THE PROPER DOCUMENTS, OR THEY DID N'T RECEIVE THE COMPLETE DOCUMENTS THAT WERE ON THE LIST, OR THE DOCUMENTS WERE LOST. THE LAST REFUSAL WAS THAT THE INVESTOR WAS NOT ACCEPTING ANY LOAN MODIFICATIONS AT THIS TIME. THE XXXX AND HEARTACHE FROM THIS COMPANY HAS SICKENED ME TO NO END. 
I JUST RECEIVED A CHECK FROM OCWEN FOR {$740.00} FROM THEIR ESCROW DISBURSEMENT ACCOUNT, BUT I AM AFRAID TO CASH THIS AS THEY MAY ADD IT TO MY PAYMENT DUE! CAN SOME ONE HELP ME?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Verified via credit file with Transunion and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.
Product: Consumer Loan

I, consumer, attempted to settle this debt with this original creditor by sending a settlement agreement on XXXX/XXXX/15 ( certified letter no. XXXX XXXX XXXX XXXX XXXX ). Consumer is seriously considering filing bankruptcy if debts can not be settled and removed from consumer 's credit reports. Consumer has not received a written response as of the date of this complaint.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I am recieving purchase confirmations for a card in my previous name with a different address. 

Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX  I tried to have the purchases cancelled however noone seems to know how to do that. here is the order information delivered by XXXX/XXXX  after I notified both of them. 
Purchase Date : XX/XX/2021 Order Number : XXXX Total : {$76.00} Payment Details XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX {$76.00} Order Summary Product Total {$69.00} Charges Shipping FREE Sales Tax, Fees & Surcharges {$6.00} Order Total {$76.00}
Product: Credit reporting or other personal consumer reports

Recently checking my credit report and noticed that I've been a victim of Identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that I've found : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE FRAUDUNENT INQUIRIES I ALSO ATTACHED MY FTC REPORT AS WELL
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Utility company billed me for an account that I never had. I did not own, rent or have any business with the account service address.
Product: Mortgage

My mortgage was transferred from XXXX to Nationstar on XX/XX/2015.  XXXX informed me of this via a letter sent on XX/XX/XXXX.  As my next mortgage payment due date approached (XX/XX/XXXX) I received no correspondence from the new mortgage company....not a welcoming letter, statement, or a bill with which to pay the mortgage.  I desperation, I tried to call them, but all you can contact are automated menus, not a person to help with a personal problem.  I went to their web site, and again in desperation followed the instructions for making an online payment.  It worked!  But what it didn't make clear is that I had set up an automated account that would automatically pay my next mortgage payment.  So when the next payment was due (XX/XX/XXXX) I made another payment, not realizing that in actuality I was making XXXX payments.  It cleaned out my checking account and checks for XXXX other bills that I wrote bounced giving me fees of $XXXX.  I have had an extremely difficult time contacting them to resolve this issue.  I was only able to speak to a live representative by calling the number they advertise for refinancing mortgages, not their customer service number.  Anyway, I believe the unprofessional way in which they handled the transfer of my mortgage has led to this financial mess for me
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX concerning a security breach, with the letter suggesting I take advantage of a FREE XXXX service from Equifax. The letter provided a XXXX activation code to provide to get the free service. 
On XX/XX/XXXX, approx XXXX, I followed the instructions for the free service by going to : www.equifax.com/activate, and followed the steps under " Enrollment Instructions ''. Throughout the process I never saw an area for inputting the XXXXdigit activation code. I thought it may come up at the end before OK'ing the purchase but it did not. At that point it verified a purchase so I immediately figured I'd better call customer service to correct things. I received a recording stating " Our system is down, call back ''. I then went back to the Equifax website and immediately cancelled the service and received a confirmation that the service was successfully cancelled ; of which I took a screenshot ( attached ). 
On XX/XX/XXXX at XXXXXXXX XXXX, after noticing on my bank statement that I was charged {$19.00}, I called Equifax XXXX explain the problem and that I needed to receive a credit. The rep said she could activate the FREE membership and took down the XXXX number to do so. But she said the XXXX XXXX. would need to process the credit and that I would receive an email from them in XXXX days. I received no email. 
Today, XX/XX/XXXX, after receiving my bank statement, I noticed the charge, but no credit. 
I again called Equifax and explained the whole situation to the customer service rep. He put me on hold, again, and came back to say that Billing would not refund me as I didn't cancel in time. I explained, AGAIN, that I immediately called to cancel by phone ( their " system was down '' ) then went onto the website and cancelled. He said they had no record of that at which I told him I had a screenshot of the confirmation that I had indeed cancelled it. He said he could not authorize a refund and I asked to speak to a manager or put me in charge of Billing. He said he could not do that either. 
This is totally unacceptable! This FREE service just cost me {$19.00}. Please do what you can to help me with this. Thank you.
Product: Credit card

Subject : Breach of Contract and Discrepancy in Rate Increase Dear Cfpb, I am writing to express my concern regarding a breach of contract. XXXX year ago today, I signed on with the goal of reestablishing my credit, which had been unfairly impacted by the banking system. My credit line was drastically reduced for no clear reason, and despite my inquiries, I never received an explanation for this action. As a result, my credit and business were negatively affected. 

The card I am referring to, Reflex, had a contractual agreement stating that if I made all my payments on time for XXXX year, I would be entitled to a {$500.00} credit increase. I called on XX/XX/year>, for an update and was informed that there would be no issues, as I fully qualified. However, when I called today, XX/XX/year>, I was told that as of XXXX of last year, due to market conditions, they could no longer honor the {$500.00} rate increase, despite my qualification. 

In response, I remarked that, due to these market conditions, I would not be able to continue paying. I made this statement purely to highlight the inconsistency in the treatment of my account. 

Thank you for your time and attention to this matter. 

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

Experian lowered my score 20 points after my balance increase and payoff of my credit cards. I have an exceptional payment history and my balances are at 6 %. I called and they stated that they are not credit experts and they don't know why my score lowered. I have never paid down credit cards to see my score drop 20 points in one day after a card has been paid off. I believe they are purposely lowering score to promote their credit boost application. I called a few of my friends and similar complaints have happened. They have offered no explanation and provided no attempt to resolve or investigate the inaccuracies. Also I have disputed addresses and names that aren't mine and those inaccuracies remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was trying to get the free credit report from transunion, it asked to put my card information to verify my identity. I put my card in and it charged me XXXX. I tried canceling online and it wont let me. I tried calling but wont go through. This is scammy and I want my monthly XXXX I signed up for canceled and reimburse my money.
Product: Debt collection

I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Transunion. I believe this late payment is erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payment listed on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX and list of Inquiries. 


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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fraudulent charges on my account that Huntington has gave two different responses on. First it was the card chip and card cant be duplicated. Now they are telling me the charges were online. There are multiple charges that are in different states in in the state of Michigan on the same day. The charges were definitely not online charges. The amount is over {$6000.00}. Huntington has not been helpful with helping resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated several disputes to XXXXXXXX over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Several of the disputed accounts were removed, but some that got a lame reply back that their records show the company that reported the information has certified to that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of ORIGINAL signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!
Product: Mortgage

we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!