23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

MY STORY IS LONG STILL HAVING PROBLEM WITH OCWEN FROEM WHEN I REFINANCED IT BACK THREE YEARS BACK. I ' TRIED TO RESOLVED SOME PROBLEM WHERE THEY ADDED MONEY TOW IT. ALSO I DESCOVERYED THEY ADDED TO THE BACK OF MY LOAND. ALOS they ADDED T MY PAYMENT A EXTRA XXXX AND SOME DOLLARS I PAID THAT AND THEY STILL HAVE THAT ADDED TO IT. please HELP, E WITH THIS. I HAVE HAD PROBLEMS EVERY SINCE I HAVE HAD THIS LOAN. please HELP ME SUE THEM IN SOME FORM. at MY AGE I DO NOT NEED THESE PROBLEM. I've GONE TRROUGH FORECLOSER. please IF THEY CAN GETSOMETHING I HAVE ALL PAPER S SHOULDING HOW THEY HACE TREATED ME. THANKS ANY HELP WILL DO '
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The company 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. 

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM, THE CREDIT CARD OPENED UNDER MY NAME AT XXXX XXXX XXXX IS NOT MINE. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED. THIS ACCOUNT AND THE CHARGES ARE FRAUDULENT. I AM A CONSUMER AND I AM VICTIM, I AM SURE THERE IS SOME LAW THAT PROTECTS CONSUMERS LIKE ME WHO ARE VICTIMS, I HAVE SENT TO THE BUREAU AND TO THE CREDITOR ALL THE INFORMATION THAT THEY HAVE REQUESTED FROM ME.
Product: Credit reporting or other personal consumer reports

Nationwide Recovery has acquired a medical debt that I was not aware of until I pulled my credit report, which such reporting of such debt violates HIPAA law concerning my Protected Healt Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union will not remo ve old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Transunion 's Inquiry Issue. After contacting customer service, they were not able to remove the inquiries. The inquiries that need to be removed are the ones from XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$670.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$7500.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018, I called to inquiry why I was paid {$2.00} on a {$6000.00} balance on an online savings account knowing when I opened the account, I was told that I was going earn 1.45 % APY and they kept evading my question. After 6 phone calls I told them that I would like to close the account for their malpractice and bait and switch antics. My account has been temporarily locked and I have no access to my funds. This is disconcerting and I feel discriminated against for my ethnicity being XXXX, had I been white, they wouldnt have XXXX  me around. They have falsely promoted an APY that is clearly inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB Team, I have been trying to resolve this account issue with Transunion, XXXX, XXXX as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} Medical XXXX Balance : {$500.00} Medical XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has seized my bank account located at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have sent certified mail to them notifying them that they are violating Indiana State law. The debt they are trying to collect is from XX/XX/XXXX and XX/XX/XXXX which is classified as " Time Barred '' debts according to Indiana State Law. A time barred debt is a debt over 6 years of age and ONLY allows the debt collector to send notice and NOT to take any court or enforceable action. This is part of Indiana state law IC 34-11-2-7. XXXX is clearly violating the law and needs to release my funds immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXXXXXX XXXX  XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

For the bill charged from the weekend of XX/XX/XXXX of 2022 I was hit by a utility truck. The utility truck was the one at fault. I assume my auto insurance company and/or the at fault 's insurance company should be the ones taking care of the medical bill and not I. 
The hospital and I have made attempts to get a hold of the XXXX. I have even tried to call the XXXX 's supervisor but I have no gotten answers or call backs. 

If I'm mistaken about how the process works of me getting hurt by someone else then please evaluate and let me know. 
There should be police reports of the accident if anything needs to be looked over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Hope someone can hear my cries and help me with this "  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called XXXX  and TransUnion asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX XXXX you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I call my credit card company ( Capital One ) about my XXXX XXXX XXXX  card not reporting on my credit file to XXXX. They told me that they were reporting and that it was XXXX fault that they were inputting it on my credit file. So I contacted XXXX they XXXX and investigation and they couldnt find the account on my file. XXXX told me that they cant report information that they didnt receive. I contacted Capital One back on XX/XX/2022. They started an investigation. I was asked to wait a few days and then to call back to get the results. I called back on XX/XX/2022 and was told that they had sent the bureaus a letter stating to delete the account from my credit file. I couldnt believe what I was hearing. So I asked why was that letter sent and the customer service agent couldnt answer my question. By now Im upset because Ive realized that this one card has been reporting to XXXX for years of me having this card and after I bring it to their attention ; they end up sending all of the credit bureaus the wrong letter. I actually had to dispute it on XXXX and it wasnt removed from my credit file, but I wasnt able to catch it before it was removed from XXXX. Ive called them more times than I mentioned but they didnt do an investigation everytime I called so they did not provide a report letter. The other times they did. So as of today XX/XX/2022 XXXX still trying to get this company to report my credit card on my credit file. This is pertaining to my Capital One XXXX XXXX card.
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXX XXXX XXXX XXXX XXXX - CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCOME CANT BE REPORTED. 

EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.
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 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX  sent to the XXXX  set up on a XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the case where I was XXXX XXXX XXXX  which is the reason XXXX XXXX  was involved
Product: Checking or savings account

My savings account was hacked by a person posing as a usaa agent on XX/XX/XXXX. The person involved used my joint account I have with an ex wife I used to pay child support of XXXX a month. The person mailed a debit card for that account to a physical XXXX location and syphoned my savings into the joint account and used the debit card for that account and withdrew {$900.00} withdraws to various atms, XXXX XXXX and post office. Depleting my savings of $ XXXX. The person involved also deposited a fraudulent check of $ XXXX with an endorsement signature that wasnt mine which could be compared to previous deposited bonus checks form my employer. This resulted in a negative balance of - $ XXXX. I reported the activity immediately to the bank as I was locked out of my account and my ex wife notified me of the activity. Ive been denied on 3 re-reviews and held liable for the negative balance. I later found out the reason for the first denial is they believed I gave access stating I made a call claiming under the direction of an attorney to withdraw assets. I stated that wasnt myself and to compare the voices as they wont be the same. They gave me thresholds of 5 business days to which Ive had to contact them only to find out decisions made well in advance with no notification to me every time one agent didnt submit the re review correctly which cost me another week of waiting. Ive asked for documentation and decision letter. Ive filed a police report with an assigned detective. Ive been forthcoming with all information to include the detectives to assist with the investigation. They never contacted the officer. Ive had my assets froze since the XXXX of XXXX. My checking account wasnt affected and I have $ XXXX in it I can not access and Im now delinquent on many bills. Ive been a member for 15 years too include vehicle and rental policies as well with no previous claims and Im being told this is my fault and they are separating service and I am responsible for the negative balance. Please help this isnt right.
Product: Payday loan, title loan, personal loan, or advance loan

I applied to refinance my loan to take out the proceeds available. I last refinanced XXXX  months ago and was approved. However, recently I was denied due to delinquent credit obligations. The issue is Im aware of what is on my credit and I have not had any recent charged off/late accounts in that time frame since the last refinance. My credit score with all XXXX  major bureaus is also higher than it was XXXX  months ago. I make my payments on time and have not incurred any late charges. I asked the branch manager to send an appeal to their credit underwriting department and she told me she would call me back the next day. I have yet to hear from the company or the branch manager. I believe the company is breaking XXXX rules by granting credit at a previous time yet denying currently even with better credit than previous.
Product: Debt collection

I paid a reletting fee via money order to XXXX XXXX XXXX in XXXX XXXX AR, owned by XXXX XXXX, however I was later contacted by a debt collection agency stating that I did not pay the debt even though the manager of the apartment complex confirmed that they received it. The manager wont take my calls now to locate the money order and the collection agency wouldnt take my bank statement as proof
Product: Debt collection

I was in good standing with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXXXXXX XXXX  when i was canceled without notice. I informed them that we were paid to date. this caused them to violate UCC1-304 good faith law. i informed them in turn relieved me of my side of the contract also. I offered to resume our agreement if they reinstated my card and account. they ignore my offer UCC1-304 ( 2 ).

after several months I guess. my account was sold to XXXX ( resurgent ) for collection I got a lot of calls from them ID themselves as XXXX only and asked me for personal info without telling what the call was for. I thought they where a short term loan co. I told them they would get no ID conformation Info from me until they told me who they were and what this was about. they wouldn't and were rather rude I would hanged up. Resurgent finally ID them self in a letter I called and made them the offer for reinstated the card. the next thing after I made arrangements for repayment Resurgent posted dept collection with the credit people. their policy is if a arrangement is made they would NOT post a collection file. Again UCC 1-304 violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Newrez mortgage lending company. They continuously send out fraud letter to their property owners. I called newrez twice in the last month for re-running my credit for a refinance without my permission after I told them on a recorded line I do not want any inquiries on my credit report and they assured me there wouldnt be. Well they lied. When I call them to dispute the matter they transfer me to a different lender every time. They are scam artist. Send between 2-5 letters a week with a letter head of a different business then add their name and number in the mix of the fine print at the bottom of the page. Im solely looking to have the hard inquiry from XXXX XXXX removed from my report.Any help would be greatly appreciated. Consumers BEWARE OF SCAM ARTIST. 

Thank you, XXXX XXXX.