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

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.
Product: Mortgage

I am having a problem with my mortgage company Ocwen. On XX/XX/2015. I found out that they never paid my flood or homeowners insurance. When I called them they said that they sent both checks out on XXXX/XXXX/2015. It seemed strange to me that both checks never went to the XXXX different providers of insurance. So after several attempts to resolve this issue Ocwen finally did a conference call with my insurance company and myself. Everything would be taken care of. Ocwen only paid my flood insurance never sent the check for homeowners. Ocwen sends me a letter stating I do n't have insurance and they woulsd provide it but I would be better off to get it myself. Called my insurance company and because it was n't paid on XX/XX/2015 I was consider delinquent and had to go into a surplus pool and only XXXX would issue a policy at {$3600.00}. My previous policy was {$2700.00}. A huge difference which Ocwen said they would look into reimbursing me the difference by filing a hardship for their mistake. They did n't issue anything, never even acknowledged it. Since a year had passed I was considered no longer a surplus pool candidate and applied for homeowners insurance and received a policy at {$1600.00}. I had my insurance company fax, mail and they talked to Ocwen and everything was good ( XXXX/XXXX/2015 ). Ocwen would pay the new premium. They never paid it again so I paid for the policy out of my own pocket. Did n't want to be placed in the same boat as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally notify you of your violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, your failure to take appropriate action after receiving my identity theft affidavit constitutes noncompliance with your statutory obligations. 

I submitted an identity theft affidavit regarding an account from XXXX XXXX XXXX, which I did not open or authorize. I also requested that the account be removed from my credit report in accordance with the FCRA, which provides explicit protections for victims of identity theft. Despite this, more than XXXX ( XXXX ) days have passed since you received my request, and the inaccurate information remains on my credit report. 

The address associated with this fraudulent account is not mine and has never been linked to me. My correct address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which is also reflected in my correspondence.

Relevant Legal Precedents and Obligations Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of any information identified as resulting from identity theft within four ( 4 ) business days of receiving : Proof of identity of the consumer.

A copy of the police report or identity theft affidavit.

A statement from the consumer identifying the fraudulent information.

Your failure to comply violates the FCRA and exposes you to legal liability. Courts have consistently held credit reporting agencies accountable for delays or failures in correcting reports based on identity theft : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) emphasized the duty of credit reporting agencies to maintain accurate consumer reports and respond promptly to disputes.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) established that agencies have an obligation to conduct reasonable investigations into consumer disputes.

Demands To resolve this matter without legal action, I demand that you : Immediately remove the fraudulent Citi Cards CBNA account from my credit report.

Confirm the removal in writing within 10 days of receipt of this letter.

Provide me with a copy of my corrected credit report.

Failure to take corrective action will leave me no choice but to pursue legal remedies, including filing a lawsuit for statutory and punitive damages as allowed under the FCRA.

I expect your prompt attention to this matter. Please respond to me in writing at the address provided above. 

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

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX  and I am pleading with you to remove them immediately.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account with Wells Fargo and received a XXXX statement. I disputed the account and provided the documentation to corroborate the dispute. 

The account balance was corrected and placed at {$0.00}. 

Wells Fargo did not correct the account with all of the credit bureaus and now added the old balance back to the credit reports in violation of the FCRA and FCBA. 

I have sent numerous letters and it is not corrected.
Product: Credit reporting

I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a 9-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
Product: Debt collection

Today XX/XX/XXXX I received a debt collection letter for a company named XXXX XXXX XXXX XXXX which I have never heard of or accrued debt with. The collection agency named Wakefield & Associates letter stated debt was obtained XXXX, XXXX, XXXX. When I look up the creditor, I can not find any information on what it truly is even. It doesnt seem legitimate as a company, and for sure is nothing I owe. My name wasnt even correct. The link to the website on their page isnt even legit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

on the XX/XX/2019 some guy called and told me they find somebody using my name to do illegal stuff the guy presented himself as a DEA agent, he told me to wire all my account to them after 48h they will return my money i did it n they never give me the money back but i went to the police to file et complaint we called the bank n they promised to block the transfer with the other bank they never did now all what i work for is gone and they cant even refund me or closed the account where my money went. i wire {>= $1,000,000} from chase bank to XXXX XXXX XXXX.
Product: Debt collection

Sent cease and desist letter to Capital One This was received on XX/XX/2012 confirmed by usps per tracking.. 
Capital One has placed phone calls daily to collect alleged debt. Capital one has sent several emails on related to same. These all have taken place after XXXX! XXXX.
Product: Debt collection

I was never aware of the debt ( s ) and was never given the opportunity to dispute this debt ( s ). Please send the receipt of certified mail with proof that correspondence was sent and received at my address.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX/202 XXXX XXXXXXXX XXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX  ( Original Creditor : XXXX  OHIO XXXX XXXX  XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I sent in several disputes for these accounts that were inaccurate in reporting on my consumer report. They are still reporting on my consumer report. These accounts are a violation of the FCRA because they have not been verified. ( XXXX XXXX XXXX  and XXXX XXXX XXXX must be deleted from my consumer report. )
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX  XXXX {$12000.00}
Product: Debt collection

The guy claimed to be from reliable or pursuing the debt from reliable, saying he was at one of my references addresses trying to deliver legal documents for a civil court matter regarding my debt. I told him, I spoke with someone about this matter already, I have had numerous threatening AND harassing phone calls to friends and family and my employers and this needed to stop. He said he had the right to pursue it and told me if I do n't pay this debt right away and acknowledge what I owe then he was going to wait for me at my job and hand deliver these documents and I would have no choice but to accept. I told him this is a debt NOT criminal and for him to be harassing me at my job is unacceptable. He said he would see me at my job and we hung up.
Product: Mortgage

I spoke with XXXX over the phone on XX/XX/XXXX and He informed me the closing cost would be around {$5400.00}. He then sends me 2 estimates that I questions with fees over {$7000.00}. But he kept saying it will come down. 

He told me around 10-10200 all in and it was XXXX and XXXX all in after taxes. I then switched lenders and they refused to sign over the appraisal and he told me it was against the law on XX/XX/XXXX but it was just company policy. 

He also told me I needed to close or FHA would charge a full month interest in my loan and that law was changed in XXXX. 

I have the documents and the emails of me asking him and he simple said it should come down. 

You tell someone zero down you dont come to closing with XXXX and XXXX cash needed to close. 

Very shady business.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself buXXXX XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

On Saturday XX/XX/year> at XXXX I received a very disturbing voicemail from this company asking to call them or my bank accounts may be frozen.
Product: Credit reporting or other personal consumer reports

See the documentation dated XX/XX/2023 that states unable to approve request for credit limit increase, score wasnt high enough to approve an increase based on number of accounts with delinquency. Reporting agency- Equifax Credit Information Services
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to Macy 's Department Store in XXXX XXXX, FL to pay off my account. I had a bank draft check in the total amount of the statement which was {$5200.00}, dated XX/XX/XXXX, check # XXXX. This is a Macy 's XXXX XXXX card so the check was made out to XXXX XXXXCitibank XXXX The Macy 's clerk swiped my Macy 's credit card to open my account and processed the check. I believed everything to be just fine and paid off. On XX/XX/XXXX I checked my account online and the balance was still showing -- the payment had not been applied. I called the bank and they told me the check was cleared on XX/XX/XXXX. I asked for a copy of the front & back of the check, which they sent to me. I called Macy 's customer service to tell them about the situation and was told I had to put it in writing and fax the documents to them, which I did. I received a letter from Macy 's saying that my complaint was under investigation and it would take 21 days. In the meantime, on XX/XX/XXXX I went back to the Macy 's store that I made the payment to in XXXX XXXX, FL and went to their customer service department. I explained the situation and asked to speak to a XXXX. The " XXXX '', XXXX would not even come talk to me. I asked the Macy 's clerk to give her the copies of the letter and the front & back of the check, which they did. I was told that she would call me as soon as she could. On XX/XX/XXXX I received a letter from Macy 's saying that they do not know who cashed the check but they did not and that their investigation was closed!! They stated that if I wanted further review that I would have to provide them with more information on who cashed the check. How am I supposed to do that? I placed a call again to XXXX, on XX/XX/XXXX and she said that she had not gotten to my paperwork yet. She had not done one thing in 2 weeks! I have called Macy 's customer service over and over again but can not get this resolved. They have cleared my check and did not apply my payment correctly and do not want to do the work to find out why. Or is this just downright fraud? I have no idea what to do and do not want my credit ruined over this. I can not find any phone numbers to call except for Macy 's customer service, which is outsourced to XXXX and is impossible to get an English-speaking person on the line. Most of my calls to them end up with me being placed on hold until the line eventually hangs up. This is complete nonsense! What recourse do I have?
Product: Mortgage

My loan had been sold to Freedom Mortgage in XXXX. Since XX/XX/2020, I have been receiving harassing calls to refinance several times a day, 6 days a week. I have requested they stop calling me, placed my number on the go kit call list, and outright stopped answering their calls. They continue to call and its annoying and harassing at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - EXPERIAN XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for a 0 % offer for a period of time ( i believe it was 12 or 15 months ). I  transferred over almost {$4000.00}. AmEx got me in at a promotional APR with a much higher APR once the period was up. Standard, right? I get it, but what bothers me is that I was never notified that that promotional period was close to coming to an end and being that I signed up for the offer over a year ago, it slipped my mind. Once I saw the interest pop up, I made the full payment ( {$3400.00} ), and I called in to ask for a an interest waiver since it was only the difference of a few days less than my full cycle that it took me to make the full payment. AmEx claims to pride itself in customer service, but they wouldnt do a fee waiver and they didn't notify me that my promotion was coming to an end outside of the initial agreement that I signed over a year ago. I think that reflects poor customer service. I wanted it to be known that I transact over $ XXXX/month on my credit cards. For a company like AmEx, with probably the highest interchange in the industry ( hence why many vendors don't accept their payments ), that's easily over $ XXXX/month for them if I used them for my purchases. Now I am forced to opine over a {$73.00} interest payment for a period when I made my full payment. Geez, the customer service at AmEx is getting bad ; what is the world coming to!?! I hope others in my same situation don't experience this!
Product: Debt collection

A verification of debt letter was sent to agency and no proof or verification of debt was provided in response. They sent detailed medical records, which is a violation of my privacy. I did not sign a XXXX release form to authorize access to medical records. Also, my name is mis-spelled incorrectly.