23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX O XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please delete remove the unknown addresses.
Product: Debt collection

HI Bank of America ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I bought my first home in my early XXXX 's and was financed with XXXX. XXXX went out of business and I ended up with Ocwen. I recall during my application process an Ocwen representative coming to meet me in person. He was a XXXX  male with XXXX hair all combed backwards. I got a call once all my information was submitted to be financed and I was asked to change something on my bank statements by this individual so I could be financed. I said I didn't know how to do anything like that ; he then said he would do it. I get a call back days later that i'm approved and I signed for a 30 year term mortgage. I learn many years later that I'm in a 50 year term mortgage not a 30 year. Also my rate isn't fixed and I now pay over {$1000.00} more per month and the amount I'm paying per month is for a home double the cost of my home. I called Ocwen numerous times about this issue in past few years. I was referred to their affiliate XXXX to be refinanced but they will deny me over the phone and never provide written documentation of denial. I am the victim and fraud and predatory lending practices. I learned Ocwen has settled many of these claims but because I was living in other states in XX/XX/XXXX-XX/XX/XXXX I was never notified about this. Ocwen is presently giving me trouble with being paid for an insurance claim that I have sent them the check but they will not send me the money although all the repairs were completed. Presently I pay Ocwen about $ 4000/month for a home that was finance at XXXX. I would be willing to hire a forensic expert to review my documents to prove that fraud has been done.
Product: Debt collection

I have provide with Document should be sufficient to investigate XXXX XXXX to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to Affirm all payments have been made as agreed XXXX have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a used XXXX XXXX XXXX. This was my FIRST time financing a car or buying from a dealer. There was no Buyers Guide in the window or on the car when I got to my appointment to test drive. I purchased an extended warranty through XXXX XXXX XXXX. Because the dealership was closing I came back XXXX XXXX to sign the papers. XXXX XXXX in the finance department told me that the original loan I was approved for the night before would work because when running my credit XXXX XXXX approved me based on my FICA score & the company then checked my transunion and equifax scores that morning & they would n't loan me the money anymore, so I had to go through NAFCO for high risk loan which increased my interest rate and monthly payment. XXXX told me " the nice thing about this loan is you can split your payment into 2 payments, so its not such a huge chunk ''. NAFCO said " No you cant. The dealership should n't have told me that. The terms of the loan was not up to them '' On XX/XX/XXXX I contacted XXXX XXXX XXXX to see if something was covered. I asked the rep. if I could return the warranty due to I thought it covered more things and had not used it. I felt it was a waste of money. The rep said " yes, I needed go down to the dealer that you bought from & they could process it '' In the first week of XX/XX/XXXX I spoke with XXXX telling him I wanted to cancel and get refunded to my loan. He looked my file up and says " Your warranty was cancelled already '' & had me sign the papers no copy was given to me. XXXX counted the weeks and said " it takes about 4-6 weeks to process through XX/XX/XXXX if its not showing on your loan call me '' I tried several times to reach XXXX by phone & not one time did he return my calls. XX/XX/XXXX I had an oil change done by XXXX XXXX XXXX saw XXXX telling him the refund was not showing on my loan. XXXX responded " I was waiting on you to give me the mileage so I could process it. '' I expressed that I had not been aware he needed the mileage due to when I signed papers in XX/XX/XXXX my car was available for him to check the mileage. XXXX said " yea I do. I will send that off and it should show in 2 weeks. '' XX/XX/XXXX I called XXXX, he wasnt in and did not get back to me. XX/XX/XXXX I called XXXX XXXX XXXX and was informed that my warranty was showing ACTIVE. I called XXXX again and he was not in. I drove to the dealership and spoke with XXXX explaining what has gone on & he was able to help me. I was informed that the amount of $ refunded to my loan was less then I paid due to {$50.00} cancel fee and the warranty had " depreciation factor '' losing the value monthly and by mileage. I asked XXXX if $ came out of XXXX commissions he got for the sale of the car? He said " yes '' XXXX lied to me and I believe purposely did not file the papers so he wouldnt have so much come out of his pocket
Product: Debt collection

I have disputed over and over with indigo and CKS PRIME INVESTMENT who sold my debt with Out my permission.. I settled and paid my debt XXXX removed the collection as agreed but it is still on XXXX and XXXX AFTER the company agreed to have it removed XXXX they violate my rights and never told me it was sent to collection only after I noticed on my credit report! I paid the debt I asked them to remove it since they did on my XXXX report as agreed XXXX since they never notified me the debt was bought I asked them to remove from my credit files..
Product: Credit reporting or other personal consumer reports

Experian quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus
Product: Credit reporting or other personal consumer reports

Claim opened XXXX XXXX in the amount of XXXX. I filed a dispute but it was denied I was going to rent an apartment with a peer we never went in to sign the lease since we was just looking we found a different option to go with, never paid a deposit or rent to get into the appartment. Yet they put it on my credit report.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report I noticed a handful of fraudulent accounts. Please remove these account from my report they are affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud  Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX   XXXX XX/XX/XXXX Please Remove and 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. 

Yours Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Checking or savings account

I played the XXXX XXXX on XX/XX/2022 I used ACH checks they bounced in my bank account. They dont have a fee listed nor a Debt collector listed. This debt collector Global Payment Check Services has charged my checking account 75 times since XX/XX/2022. They have written different checks for different amounts. All XXXX times has bounced creating a balance of {$1900.00}. I have contacted XXXX XXXXXXXX, XXXX XXXX and my bank ( XXXX ) and being told this is legal. I never gave anyone the permission to withdraw any funds from my account. I was told by Global Payments they will keep writing checks till it paid.
Product: Credit card

I have a Citi AAdvantage Platinum Select World Elite Mastercard that I use as my primary card. I pay off the balance in full every month with the exception of one or two months where I missed the deadline date or miscalculated my balance. Citi offered me a promotional interest rate of 1.99 %, and I thought that sounded like a good backup plan versus the typical 20 % + interest rate. Shame on me for not reading my statement or the fine print more closely, because I realize what this did was began charging me 1.99 % interest on the daily average balance. So by accepting their offer, I went from {$0.00} interest most months to about $ XXXX {$10.00} a month. Sure, it's a small amount, but this felt so predatory to offer me something that actually HURTS me as a loyal customer wrapped in a gift.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 



Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency XXXX be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 



While these third party XXXX attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the XXXX the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), they may be liable for false reporting.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX N Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. There is an address that is on my credit report via Experian I have tried to dispute this address because it is incorrect and no accounts should have this address on any file. And if so I demand that it be removed from my credit report ASAP. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is not my address and it is incorrect.
Product: Mortgage

My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name
Product: Credit reporting or other personal consumer reports

I reached out to Credit Karma online because there was an inaccurate debt listed on my credit I was not aware of. I filed a dispute to remove the inaccurate debt. I filed the dispute online XX/XX/year> at XXXX pm and by XXXX pm Credit Karma agreed that the debt was in fact inaccurate. They removed the debt in XXXX minutes without conducting the proper due diligence and following their dispute process. The account was removed, and my credit score went down XXXX points due to removing an inaccurate debt. My payment history is XXXX % on time, I am using less than XXXX % of available debt and I have a healthy mix of debt. How can my score go down XXXX points for removing an inaccurate debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank reported a payment 30 days late. After discussing the issue with Capital One I was assured the issue was fixed. Capital One immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called Capital One and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but Capital One never properly moved forward to do this. I was explained to twice by Capital One this would be fixed and I am running out of options to fix the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I have a mortgage with United wholesale mortgage. They admitted that failed to pay my homeowners insurance from my escrow account, thus causing a lapse of a month in insurance. Setting aside how disastrous that could have been, they are now charging me a {$170.00} fee for the lapse of insurance coverage, which was their fault. I've spent hours on the phone with no resolution. I also paid my insurance myself and faxed them notification that I no longer want my insurance part of the escrow account. Despite that they just notified me that my escrow account is short {$2900.00} therefore I have a new mortgage payment two hundred dollars more. And they wont change it despite knowing I will be paying my own insurance.