23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recently checked my XXXX XXXX, and I was not aware of any of my debt being put into collections. I have never received any communication about the debt. I have never received any information about what the debt is about at this point. This has dropped my credit score in a negative way. I have not received any communications either written or had any type of communications with any debt company at this time. 

ASPEN NATIONAL COLLECTIO Last reported XX/XX/XXXX {$2000.00} Open balance ASPEN NATIONAL COLLECTIO Original creditor XXXX  OpenedJun XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameASPEN NATIONAL COLLECTIO Report info
Product: Credit card

There were several charges on my statement not ordered by me. After disputed they credited all except one for {$720.00}. After many calls and research I determined the package was not ordered or received by me. The shipper said that it was signed for by XXXX but has no proof. The bank tells me the shipper is responsible and the shipper says the bank is responsible. After many hours of research and digging I was told by local police to file this complaint. 
Bank is XXXX XXXX XXXX XXXX. Shipper is XXXX XXXX. Neither will help. I filed a complaint with XXXX. It was closed. They said shipper has to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to use Chase app to do an online wire transfer to a friend for {$25000.00}. The money didn't go through but been reversed. But the amount that been reversed is not {$25000.00} but {$24000.00}. Also, the fee of {$25.00} wasn't returned to me. It's a unsuccessful transfer, but it took me {$30.00}.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.
Product: Credit card

I opened a credit card through Best Buy to purchase a new TV. The rep in the XXXX, NH store noted that the credit card would provide for 10 % back on the first order. I asked " how I would received that XXXX %? '' and further ninquired whetehr it would be in the form of vis card or statement credit. The rep told me a statement credit woul dbe issued. I said well that sounds great as my current card would on ly offer XXXX  % back and this is a large purchase. As a result I set up the card at the register and purchased the TV. This was on XX/XX/12. I rec 'd the TV via home delivery on the XXXX and it has been fine since. Today XXXX rec 'd some emails indicatting I have best buy rewards to use on future purchases. I chatted through the Best Buy app and rep informed me thats the 10 % from first purchase to use for future transations. I explained this is not what I was told or disclosed. Had I been told this is how the rewards program work I would not have set up the card. I escalation to a manager who did nothing and noted they were sorry but had zero capability to solve the issue. I explained this violates credit offering standard but they couldn't do anything. Following this I contacted the card financing department who also informed me that they have no way of offering statement credit so their hands are tied as well and my only solutions would be to file complaint through this consumer protection channel.
Product: Debt collection

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ine ccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM NOT A XXXX PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY BEHALF. 

Experian XXXX XXXX XXXX XXXX, XXXX  XXXX RE : TRAFFICKING BLOCK REQUEST Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX-ACCT # XXXX XXXX XXXX-ACCT XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Trafficking Documentation and XXXX  report.
Product: Credit reporting or other personal consumer reports

15 U. S Code 1681c ( 2 ) & ( 4 ) Requirements relating to information contained in consumer reports. States, should not antedate the report by more than seven years. XXXX XXXX XXXX XXXX have succeeded over the XXXX  year alotment of time on my consumer report.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to experian pertaining unauthorized inquiries within my report and unfortunately they could not validate those inquiries. There were no factual documents provided to me to prove those inquiries such as contractual agreement etc. They also could not inform me of their method of validation of such inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Dear Experian, I am writing to formally dispute the following hard inquiries on my credit report : 1. XXXX XXXX XX/XX/XXXXXXXX  2. XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  I did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report and proper investigation of disputes. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to adequately investigate consumer disputes and for providing inadequate responses regarding validation methods. I believe Experian failed to comply with its obligations in my case, as no explanation of the investigation process or validation method for these inquiries was provided. 

I demand that you : 1. Immediately delete the unauthorized hard inquiries from my credit report.

2. Provide me with details of your investigation process and your method of validation for these inquiries.

3. Confirm these changes in writing within 30 days as required by law. 

Failure to resolve this issue promptly may lead to further action, including filing a complaint with the CFPB or pursuing legal remedies. 

Attached are copies of my credit report and identification documents to assist in verifying my identity. 

Sincerely, XXXX XXXX
Product: Debt collection

The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. 
A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an email that my federal student loans were transferred to XXXX from XXXX due to my enrollment in PSLF. A few weeks later the XXXX loans dropped off my credit report and appeared under XXXX correctly. On XX/XX/2023 I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and XXXX. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with XXXX, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/2023 asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is XXXX treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If XXXX does not take action from this complaint then I will be disputing the inaccurate reporting through either them or Trans Union. This is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in Transunion, XX/XX/XXXX in XXXX..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in Transunion  and XX/XX/XXXX in XXXX XXXX XXXX..this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Checking or savings account

On XX/XX/year> my Wells Fargo Checking Account was closed with {$1000.00} remaining in it. 
On XX/XX/year>, I finally found a way to contact as I currently reside in another country. I spoke with XXXX. Who told me the reason behind closing the account and that a check had already been issued in XXXX. I explained that I did not receive that check, so she reissued check # XXXX. 
On XX/XX/year>, I called again as I did not receive the reissued check # XXXX. This time I was told that they would need to send out a stop-payment form that I needed to sign, notarize and send back. 
On XX/XX/year>, I sent back the notarized stop-payment form, which was received at Wells Fargo XXXX XX/XX/XXXX at XXXX. 
On XX/XX/year>, spoke with XXXX. He confirmed my mailing address and confirmed receipt of the stop-payment. He said he would send check # XXXX. 
XX/XX/XXXX XXXX received another stop-payment form. 
XX/XX/year>. I still have not received the check with my funds.
Product: Mortgage

To Whom It May Concern : Currently Amerihome is reporting a XXXX day late in XX/XX/XXXX to my credit history. This late marking is a byproduct of my XX/XX/XXXX payment posting late. 

Please note XXXX payment was not late due to negligence or lack of funds. The late occurred because I contracted XXXX in late XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for all of XX/XX/XXXX and was unable to pay all my bills. Once I returned home in XXXX of XXXX, I immediately paid all my bills and alerted them regarding my inconvenience. 

Amerihome Mortgage is the only creditor that is choosing not to acknowledge my hardship during this time and remove the negative reporting to my credit profile. 

I am forwarding the statements from my hospital visit that I sent to Amerihome to prove that I was incapacitated an unable to pay my bill. Amerihome has failed to acknowledge these documents in the 3 attempts I have shared them and because of that has failed to consider removing the XXXX day late from my credit profile, even though I have given them everything they needed to be in line with XXXX federally mandated " Cares Act! '' What good is the cares act if nobody cares? 

Please help me to get back to my life as I am desperate to have my credit restored and return to my business endeavors in the way I am accustomed. Thank you in advance for taking the time to review my letter and I look forward to hearing from you. Please let me know when my request has been met. I can be reached at XXXX. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still 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 corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX  : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX : ACCOUNT # XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I deposited a check into my checking account that was given to me by a client, the client reassured me that the check was good, it was not good. I tried to explain to the bank that the check was given to me so I deposited it online. The bank cleared most of the check then they proceeded to let me know that my account was now in the negative, and I was responsible for paying my account out of negative. I explained to them that they cleared this check and then waited until I withdrew {$220.00} they then closed my checking account so I had no way of getting anymore information about this check as they gave no info to me about it, or an easy way to report the person that gave me the check. I told the bank I had their names and a possible address, but it was like they didn't want that information to report it themselves. All I really want is to report the names I was trying to give the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.