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

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request that a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systematic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Mortgage

Ocwen, a debt collector, is refusing to generate a satisfaction letter to me in regard to a house I have. I do not owe them anything and have documents and proof from them that I have a zero balance with them. After a bankruptcy of which I was discharged from in XX/XX/XXXX, Ocwen who took over a company ( XXXX ) who was on my bankruptcy list of which I had been discharged from continued to send me bills of which I paid for 10 years. I came to find recently that they had no business billing me because of the bankruptcy issue. A lien was placed on my rental property by Ocwen of which I did not know about. I tried to sell the house and the title search showed this lien that I was not aware of. I had XXXX prospective entered into a contract but this lien stopped the selling of the property. Ocwen will not generate a satisfaction letter stating the lien is lifted. I have been requesting this letter for 2 months and all I get is a runaround and being told that it takes 2 to 6 months to receive this satisfaction letter. I have lost buyers, I have spent {$2000.00} due to inspections and repairs needed to satisfy the sale of the home before this lien issue came up. The house is still empty and I can not do any type of selling of the property until Ocwen releases this lien. There was closing date which did not happen and the potential buyer wants to sue me for his accrued expenses in preparing for his purchase of the house. I feel Ocwen owes me not only for the failure to generate that satisfaction letter, but for the 10 years of payments that they received from my of which they illegally collected. They knew that XXXX was on my bankruptcy list when they took over XXXX 's business. What makes it ironic is the fact that Ocwen was the main mortgage holder on the property, of which I am current with my payments, and they so happened took over XXXX 's business when XXXX closed business. They unlawfully billed me and collected money from me from that XXXX account for all the years and I have documents and proof of that. They knew that was taken care of through the chapter XXXX bankruptcy in filed I XXXX and was XXXX in XXXX. Ocwen sent me letters stating that the loan was forgiven and I have a zero balance with them. I have copies of the letters and other relevant documents to support my case. Ocwen is a rip off company and their liscence needs to be revoked. They owe me not only the monies they illegally got from me, but also for the opportunities I had to sell my house but could not because they will not release a satisfaction letter to me to release the illegal lien they have on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX  ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I am lodging a formal complaint against gc services debt collector. This debt collector has reported derogatory information on my three credit reports for a debt in the amount of {$2000.00}. This account just appeared on my credit reports without sending me a dunning notice in the mail, which gives me 30 days to dispute validity. This is a violation of the fdcpa/fcra. I have never had an account with XXXX, I've been with XXXX  my whole life. So I don't understand why this company would report derogatory information without contacting me first. I am in the process of purchasing my very first home for my family and I, which this errounous account is now holding me back from accomplishing my dream home. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if this account isn't removed immediately. Thank you for your time.
Product: Payday loan

I got a loan because work was slow and loan was for rent. 
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Information and Notice of Noncompliance under 15 U.S. Code 1681i To whomever it may concern, I am writing to formally dispute inaccurate information contained in my credit report, as outlined by my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. The following item ( s ) on my credit report are inaccurate and should be removed immediately : XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$960.00} XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$350.00} XXXX {$520.00} I am not aware of these accounts and have never received any verified proof that they belong to me. I kindly request their immediate removal from my credit report. Additionally, there are two eviction records on my credit report that are also inaccurate and should be removed : XXXXXXXX XXXX XXXX : This eviction does not belong to me and is associated with someone elses Social Security number. My Social Security number has never been XXXX therefore shouldnt be linked to this eviction. 
XXXX XXXX XXXX : This case was Voluntarily Nonsuited at Plaintiffs Cost on XX/XX/year>. This means the case was dismissed and should not appear as an eviction on my record. Furthermore, I have never been evicted in my life. 

These inaccuracies are unfairly hindering my life, affecting my opportunities, and causing unnecessary distress. I have previously requested watermarked proof of my signature or any legitimate documentation verifying that these accounts outside of these evictions belong to me, yet no such proof has been provided. I demand that you immediately : 1. Conduct a proper investigation into the disputed items as required by law.

2. Remove all inaccurate and unverified information from my credit report.

3. Provide me with a written statement confirming the completion of your investigation and any actions taken.

If you fail to comply, I will have no choice but to pursue legal action to enforce my rights and seek damages as allowed under the FCRA. Please consider this letter formal notice of your noncompliance and my intent to escalate matters if this dispute is not resolved promptly. I expect a written response within 30 days from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an inquiry for a XXXX credit card that I never tried to get on my XXXX account I reached out but they never did anything about it stating XX/XX/2022 when my credit is frozen any inquiries I have are linked to accounts that I own I also have a comenity/XXXX inquiry but I didnt apply to them either
Product: Checking or savings account

Im unable to link my account to my XXXX and XXXX accounts for automatic payments. This makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH EXPERIAN, AND XXXX XXXX HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. MSDHS Division of Child Support is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury. 

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support. 

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.
Product: Credit reporting or other personal consumer reports

I sent a debt validation number to the creditor and they where not the only one the other dropped right off for this specific collection account XXXX opened a dispute with no information available as to why it was opened because I never opened it. I am not able to get in touch with a actual representative about the matter, because this collection is unlawfully reporting and effecting my consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to ensure the resolution of these PERSISTENT questionable inquiries in my Experian and XXXX Credit Reports. I am disheartened by the fact that there are still 12 of them lingering among the inquiries that I require removal. Consequently, I anticipate that the Credit Bureaus will EXPUNGE these enduring inquiries from my credit file within a 15-day timeframe : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect inquiries on my consumer report. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Experian of those late payments. On XX/XX/XXXX I submitted a dispute to Experian regarding these late payments on my student loan accounts and still have not heard nothing back from Experian nor was my consumer report marked for being in a CURRENT dispute. Aren't you supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me 21 days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} IDR deferred repayment plan because this is clearly a billing error. Experian is reporting that I paid 90 days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be 90 days late without first being 30 and 60 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with any late payment marks on my report for these accounts. 

The items below should all be updated to paid as agreed/Never late on my consumer report. Immediately delete any late payment marks and the inaccurate comments. 

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

I have recently received a copy of my credit report and noticed Commonwealth Financialplaced private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : COMNWLTH FIN - XXXXXXXX ( COLLECTION ACCOUNT ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately. 
COMNWLTH FIN - XXXX ( COLLECTION ACCOUNT ) As the consumer, I did not give any written instructions to have this account reported on my consumer reports. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.
Product: Debt collection

WSFS Bank is harassing me in collection of mortgage debt. They are calling two phones number resulting in multiple calls per day in many cases. The dates they have called are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX