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

To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XX/XX/XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, XXXX XXXX   XXXX, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. XXXX attempted to insert me into his loan modification in XX/XX/XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XX/XX/XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that XXXX XXXX   remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. XXXX should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute with you and Equifax in regards to a XXXX   XXXX account account reporting as a charge off auto loan on my credit report ... Equifax responded saying they had corrected the error however my credit score dropped XXXX points and when I reviewed the account it showed the account status ad 120 days past due and 4 or more payments past due but in the description it showed XXXX balance how can it be 120 days past due and XXXX balance this does make any sense I have provided proof from XXXX XXXX that the account was paid in full I received the title for the vehicle in question please correct my credit report ASAP
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX all should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from XXXX, XXXX, and XXXXand you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating XXXX XXXX XXXX. Each violation is subject to {$1000.00} fine per violation made by each party involved. 

XXXX XXXX XX/XX/XXXX Late Payment reporting by XXXX, XXXX, and XXXX on XX/XX/XXXX, XXXX XXXX XXXX and XXXX of XXXX and also XXXX of XXXX. Completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a XXXX  party company and all three credit bureaus are XXXX  party companies, therefore illegal to report to my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation. I am invoking my right to opt out of any and all disclosure of my personal information and also any reporting associated with this account to my credit report under 15 USC 6802. I demand WESTLAKE FINANCIAL, XXXX, XXXX, and XXXX to cease all illegal reportings because it is fraud and violation of my rights under the Privacy act of 1974.
Product: Debt collection

( 2- ) I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001.

Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well. They are also reporting the same account on XXXX with two different amounts and the same account number.
Product: Credit reporting or other personal consumer reports

Experian is reporting an SSN number that does not belong to me : XXXX XXXX, I have an XXXX which is : XXXX I have been sending them letters and calling for many months to ask them to correct it, I have sent them all the information they have requested and until now they have not modified it, I received their latest report but they did not correct my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. 

XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO XXXX. 

IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO EQUIFAX XXXX XXXX IS VIOLATING MY RIGHTS. DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Mortgage

I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went and filled out a background check at XXXX XXXX on the XXXX XXXX in XXXX, Pa on XX/XX/XXXX and received my report that had an address in XXXX, Pa and Ive never lived there.
Product: Credit card

This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.
Product: Student loan

Today XX/XX/2017 I just received in the mail ( XXXX ) an seattlement offer letter from navient that was dated XX/XX/2017. The offer states that it is a payment plan however it says that I must have it paid in full electronically directly to navient no later than XX/XX/2017. Not only did I not recieve the offer until a month after they dated it, navient did not give me appropriate time to respond let alone actually work with the company to reach a settlement in which I could send them the funds. According to the letter, I need to pay the amount in full immediately, but the offer was significantly higher than they offered me or my cosigner over the phone, just days ago. The offer also had incorrect financial data ( compared to their own website ) The offer states that if I did not accept their offer and pay immediately, I will be held to the total amount due of all my student loans, the number that they provided includes federal loans which are not in default at all. There numbers also take into account what they estimate how much I will owe navient. Not a current balance ( including interest and fees in advance ). In addition this settlment offer does not cover which loans, what type of loans, if there will be any additional fees etc. 
I feel as if this is act of retailation to my last complants I filed w cfpb. I filed simular complants w cfpb in reguards to over charging my account, not correctly reporting payments, not listing payments made ect. In which I have yet to recieve any resolution or communication from navient about. 
I plan to call them back tomorrow and and request 2 weeks which the law allows to review the offer. I am very frustrated and concerned by the fact that this seems like another illegal attempt by navient to illegally hurt, intensionally mislead, and damage the life and wellbeing of student, cosigners and borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611.

3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 

4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$67.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.
Product: Checking or savings account

Since I opened XXXX account XXXX, I have transferred over {$500000.00} into it from my XXXX account. On XX/XX/XXXX I tried to transfer {$200000.00} out from my XXXX account to a new bank account and XXXX rejected my transaction. 
I called XXXX on XX/XX/XXXX to ask the reason. In the phone, their agent first verified my identify by checking my full name, XXXX, XXXX last XXXX and secret word and I all answered them correctly. Then the call got transferred to an account specialist. He told me the account was locked because using their own internal verification procedure, they were not able to match the phone owner name with my name. They opened a case to seek other ways to verify my identity. Meanwhile, I thought the unknown owner name might be because that I am under a family plan and my phone number only showed the family plan holder name so I had my plan holder to add my name on XX/XX/XXXX. On XX/XX/XXXX, I checked phonenumber looking up website and confirmed that I could find my name XXXX XXXX shown as the owner of my phone number XXXX. I called XXXX then to ask them unlock my account but they told my that they still cant verify my phone number. The previous case didnt get solved but it was already closed. Also XXXX side have never reached out to me to proactively solve the issue. 
I asked XXXX that if they could just return all my deposits to my original account and close my XXXX saving account but they rejected to that Given that I can find my phone owner online, there is no way XXXX can not verify my phone number but XXXX shows unwillingness to solve my issue and get my money back to me. 
Whats more, they didnt perform the same verification procedure when I opened my account and transfer my money in but put extra blockers when I tried to transfer money out. If they see a security risk in my phone number, they should not even allow me to open the account. 
Right now I have no way to get my money out even to my original account. I am so despair.Attached is the proof that my phone number is under my own name now
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : 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

I called Transunion today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different Care inquires throughout all XXXX bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance.
Product: Debt collection

XX/XX/XXXX To whom it may concern, Re : Discrepancies in billing and credit reporting by Comenity Bank I am writing to formally address a concerning matter regarding my account with Comenity Bank linked to my transactions with XXXX. In XX/XX/XXXX, I made a purchase of {$100.00} from XXXX. Immediately after receiving the purchase, I returned the items and awaited my refund. Instead of receiving a refund, I was charged interest and non-payment fees by Comenity Bank. I became aware of these unjust charges in XX/XX/XXXX when Comenity Bank posted a payment exceeding {$200.00}, despite not having made any additional purchases from XXXX. 

Upon contacting XXXX, they confirmed that my refund had been sent to Comenity Bank and even provided me with a statement to this effect. Despite XXXX 's affirmation, Comenity Bank failed to process my refund and continued to add unjustified interest to my account. 

I took my concerns to the XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint ( ID XXXX ) against Comenity Bank on XX/XX/XXXX. Instead of a rightful resolution from Comenity Bank, they added further injury by reporting delinquency to XXXX on XX/XX/XXXX, resulting in an unjustified decrease in my credit score. 

The letter I received from Comenity Bank dated XX/XX/XXXX, contained several inaccuracies, with a final statement saying I owe an amount of {$30.00}. Wanting to put this matter to rest, I paid the stated amount, hoping it would end my association with Comenity Bank. Contrary to my expectations, I am still receiving statements from Comenity Bank indicating that I owe {$71.00} and claiming I have an active account with XXXX, as of XX/XX/XXXX even though my account was closed and fully paid off. 
I have always prided myself on maintaining an exemplary credit record, and it is deeply distressing to see it tarnished due to no fault of my own. I implore the relevant agencies to thoroughly review my credit history and contrast it with this singular unfortunate experience with Comenity Bank. 

.
Product: Mortgage

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX The problem Im having, from the beginning of this loan, i have been told several different things, ok so, it was told to me on several occasions by the employee from XXXX that my daily interest was XXXX cents a day, but now that my loan as matured my account is occurring more fees and my payoff within XXXX weeks has occurred XXXX worth of fees and when i ask what was the other fees besides the daily occurrence fees they say its a computer generated fee they dont know the break down of to tell me exactly what Im been charged, can someone please email me at XXXX or called me at XXXX