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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX  XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I didn't authorize these Companies to pull my Credit. I requested my signature of contract. 

XXXX XXXX XXXX XXXX XXXX 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

Dovenmuehle Mortgage , Inc. failed to provide notice they had sold my mortgage to another lender. I learned of the sale while attempting to make payment on the debt to them. 

Their failure to provide sufficient notice may lead to a late payment ( accounts have to be setup, and managed for a new company, need to obtain new loan info ... right now and I don't have the time budgeted to accomplish these tasks ). Yeah, I'm on hold with the new company right now because the new company is " experiencing longer than normal call times '', and I am concerned with the potential for a negative report on my credit because of this fiasco. Any help? 

I only elevate it to the CFPB because this company has previously reported false negative information to the credit bureaus following an error with their phone pay system. By refusing to retract the negative information they have effectively barred me from shopping for an alternative lender. Pretty darn unfair.
Product: Credit card or prepaid card

Can't afford the card ; just paid the annual fee; closed the card ; they didn't return the annual fee. Said there was no credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE
Product: Debt collection

Sued by Discover/XXXX  XXXX XXXX Failed to appear. Default judgment granted XXXX. Both accounts with Discover were charged off in XXXX. Then a lien was placed on my property. 

I now have XXXX in zombie debt that shouldn't be owed ( charge-off ) and my home should not be at risk due to a lien. 

The case went to court while still under Covid restrictions. Not clear on notification. Should have been virtual appearance.
Product: Credit reporting or other personal consumer reports

Already submited a complaint regarding this matter, have XXXX inquiries that i dont recognize!. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint is my affidavit and report to identity theft.gov. My complaint number is XXXX. Thanks for the help and pront action.
Product: Credit reporting or other personal consumer reports

there are fraudulent inquires and address on my credit reports, the credit bureaus are unlawfully reporting unauthorized inquires on my consumer report. I did not give permission to access my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan thru Car Mart for a XXXX XXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday XX/XX/XXXX I checked my credit score in the morning on credit karma and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
Product: Credit card or prepaid card

On XX/XX/20 I applied for a Capital One Savor credit card. The card offered a {$150.00} sign-up reward. The application was denied and a letter was sent stating that the reason for the denial was " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. My credit score at the time was XXXX to XXXX at the 3 different credit bureaus, my income is {$390000.00} per year, and I had 0 to 2 credit inquiries on my credit report. I had 3 credit cards opened in the last 24 months ( 19, 11 and 6 months ago ). My credit scores have been in this range for years. 

I reported to Capital One that I did not understand the rationale for their decision. I was told that a supervisor would call me to review the result with 10 business days. That did happen. They called me and asked me to call back. When I did, they simply told me the application was denied. There was no further explanation. 


I expressed to CapitalOne that I was concerned that my application was denied due to my age or what they may have inferred from my last name, as the decision seemed improbable. Perhaps they did not like that I always paid my balance. They did not respond to this. 

I am asking CFPB to investigate this as a discrimination concern ( age, religion, nationality ). I would like to know the percent of denials for people with similar income, credit scores and credit inquiries irrespective of age, race, religion, or nationality. Thank you.
Product: Debt collection

The credit card debt isnt mine, and now they are trying to put a judgment on me for a debt that isnt mine. They cant even give me any information about this debt.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX  PLUS XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

As I checked my credit report, I noticed that there multiples accounts affiliated with companies I have never done business with. I took action by writing Experian about those accounts and asked them to validate and they are unable to validate them, they must delete them off my report because I don't know about these accounts. on XX/XX/2021 I sent them my first dispute letter, waited for over 1 month, I never got a response. on XX/XX/2021 I sent them a compliance letter because they failed to investigate the account, USPS tracking showed they received on XXXXuntil this point I never get a any response from them. it is getting very frustrating. I need some help removing those account from my report.
Product: Credit reporting or other personal consumer reports

I have one Inquiry still showing on my credit report for QVC that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. 
XXXX XXXXXXXX XXXX was a settlement and should be removed from my report XXXX, oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Product: Debt collection

I keep receiving letters stating I owe {$41000.00} in sales tax to the state of Ohio. The letters are from the law firm of XXXX XXXX, who claims to be XXXX XXXX of what I do not know. Every time I've called to clear this up nobody answers the phone and multiple voicemails have been left with no reply.

As for the debt, the only time I have ever lived in Ohio was the 90 's when I went to college there. I did not have a job during that time, let alone a business. I have now lived on the XXXX XXXX over 20 years and I have never owned a business of any kind, in any state. The letters I keep receiving don't even include my name, just a XXXX XXXX and my apartment address. 

Each time I have left a voicemail I have asked for them to send proof of the debt belonging to me, which is required by state law, and they have never done so. Since I have now received another letter without that being provided I consider this harassment. I have reported this firm to his states XXXX as I have found more info online indicating this is standard practice for XXXX XXXX. Just b/c he has state letterhead does not mean he can ignore collections rules.
Product: Mortgage

I have to date made 6 attempts at trying to resolve having my current payments with Midland Mortgage reflected with the 3 credit bureaus. 

At this point. I have shared multiple times that this is preventing me from getting a new mortgage to purchase a house. 

Additionally, this has stopped me from being able to sell my current property due to not be able to obtain a new mortgage The only viable communication I have received is from XXXX XXXX on XX/XX/XXXX showing that the last reporting to the 3 credit bureaus took place onXX/XX/XXXX, but Midland only reported updates thru XXXX, even though my XXXX and XXXX payments have posted on my mortgage account prior toXX/XX/XXXX 

When I spoke to XXXX, my payments were sitting in Unapplied funds and she explained thats why my credit hasnt updated. XXXX mentioned this is because of a Covid backlog. 

When I asked to speak with someone responsible for updating and reporting my payments to the credit bureau, I was told they wont help you, they dont even answer us At this point Im starting to feel that this is discrimination and their attempt to stall the credit bureau reporting so that I can not start a relationship with another lender. 

XXXX spent many days and hours traveling, my time and money, looking at properties under the belief that Midland was going to update all payments thru XXXX at the end of XXXX. 

I have tried to secure a mortgage with other lenders. But have been declined due to their negligence in reporting. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent XXXX action my credit file that does not belong to me XXXX XXXX XXXX {$530.00}
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The company refuses to specify why I have these fees and cost on my account. They have sent me letters stating that my house was never in foreclosure as well as at least 10 employees of freedom mortgage told me NO your home is not in foreclosure, I have audio recordings as well do they as every call is recorded to verify this. Freedom mortgage takes advantage of people who have had hardships and are attempting to take my home because of their own faults and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt
Product: Money transfer, virtual currency, or money service

XX/XX/2021 PayPal balanceXXXX  My account is under account limitations and I cant withdraw my fund cause paypal said that I need to wait for 180 days
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate credit inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I provide consent or a signed authorization for these inquiries to be made. 
I first became aware of these unauthorized inquiries on XX/XX/year>, upon reviewing my credit report from [ credit bureau ( s ), e.g., XXXX, XXXX, TransUnion ]. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permitted to appear on their credit report. These inquiries are harming my credit score and potentially exposing me to further fraudulent activity. 
The reason I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) is because I have exhausted efforts to resolve this matter directly with the credit bureaus and/or creditors involved. Despite my attempts to dispute these inquiries through the proper channels, the issue remains unresolved, and the unauthorized inquiries continue to negatively impact my credit report and overall financial health. I am seeking the CFPBs assistance to ensure my rights as a consumer are upheld, and the unauthorized inquiries are properly investigated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Equifax Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX XXXX Balance : {$30.00}
Product: Mortgage

I completed a full loss mitigation application for a loan modification with PHH/Ocwen Loan Servicing. 

I have been trying to get PHH/Ocwen to correct erroneous information and errors on my mortgage since the onset of Covid. I had several critical sources of income cancelled due to Covid. 

My home has forced placed insurance that should have been removed in XX/XX/XXXX. 

My home has purchase mortgage insurance which is not proper by HUD and FHA guidelines. My home has a value no more than 70 % of the loan mortgage balance. 

Taxes and payment calculations are erroneous and have been so since XX/XX/XXXX. 

PHH/Ocwen hasn't modified and forborne my loan since Covid was declared by the President of the United States PHH/Ocwen made an offer to modify my mortgage during the Covid Pandemic that wasn't compliant with federal law, Executive Orders of the President, Congressional directives in the CARES ACT, and related laws in XX/XX/XXXX, and the American Rescue Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request validation of a debt you have claimed I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of the alleged debt, and I am formally requesting such validation. 
Please provide the following information to validate the debt : The name and address of the original creditor. 
A copy of the original agreement or contract that generated the debt, showing my signature or other evidence that I agreed to the terms. 
A complete payment history that shows how the amount being claimed was calculated, including all fees and interest added. 
Proof that you are legally authorized to collect this debt, which includes : A copy of the assignment contract or agreement that legally transfers the debt from the original creditor to your company. 
Documentation showing the chain of title for the debt if it has been transferred more than once. 
A copy of any judgment, if applicable, that has been obtained against me. 
Please consider this a formal dispute of the debt until validation has been provided. If you are unable to provide the requested information, I request that the debt be removed from my credit reports and that you cease any further communication regarding this debt, as required by the FDCPA.