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

Please check the information regarding the Equifax and Experian data breach.
Product: Student loan

Conserve debt collection agency set me up on a payment plan to get my student loans out of default. I had to make 11 consecutive payments, then my account would be sent to a company and would be in good standing again. 

I gave Conserve authorization to do automatic debts from my checking account. They took it out twice a month on my pay days. On the last month they didnt take my payment. I contacted them and they stated I called and told them not to contact me anymore. That was a complete and utter lie! I was then told I had to start all over again and make eleven more payments to get out of default. 

I contacted the Department of Education and filed a complaint. I was told I would receive a response in the mail. I never received the response and was told they denied my claim. 

The fact that they must get paid for the money they bring into the Department of Education, is the reason they didnt accept my last payment. I want to be able to pay my loans off, but dont feel safe paying Conserve. I asked for another company to work with and was denied. Now my teacher salary is being garnished and Im being told I have to pay Conserve as well the garnishment from The Department of Education. I cant live like this and need assistance.
Product: Debt collection

My phone and purse was stolen with all my personal information inside it was a police report made i did go on identity theft to freeze and write reports. I have submitted this evidence to the cash advance now company. I have contacted them because I XXXX XXXX never nor did authorized them permission to have any of my personal information nor did I get a loan from them. I have a bank that I get those things from in person. I have tried to resolve this when I contacted them n received breach data letters from companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau 's are reporting XXXX DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached XXXX I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, XXXX can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these XXXX DISMISSED XXXX filings will be removed along with XXXX incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Mortgage

A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. 
OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. 
I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. 
Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. 
OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. 
XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. 
OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX months ago, I entered into a personal loan agreement with a co-borrower. During the initial conversation with the bank representative, I specifically inquired about the possibility of refinancing the loan. The representative explicitly confirmed that I would be able to refinance after making the third payment. Based on this assurance, I proceeded with the loan despite its higher interest rate. 

However, when I recently contacted the bank to initiate the refinancing process, I was informed that it was not possible due to the co-borrower nature of the loan. I felt misled and believe that the bank intentionally withheld or failed to provide me with crucial information. 

Subsequently, I escalated the matter to a manager who reviewed the signed agreement and confirmed that there was no mention or inclusion of such a condition. Furthermore, during my second payment, I had another conversation with a bank representative who reiterated that refinancing would be possible after the third payment.

It is evident that two representatives deliberately avoided providing me with accurate and necessary information. As a result, I am now burdened with a higher interest rate and am reluctant to refinance with another bank. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

This is a formal dispute regarding inaccurate information on my credit report. My Social Security Number is being reported incorrectly, violating FCRA laws, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates accurate reporting. This has led to false collections under my profile, including the following accounts, which must be blocked and removed per 15 U.S.C. 1681c-2 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Paid, Closed These accounts are unverifiable, fraudulent, and must be removed immediately. Additionally, multiple fraudulent addresses are appearing on my report, further indicating a breach of my credit file. Failure to correct these errors within five business days will result in legal action for statutory damages under 15 U.S.C. 1681n, as well as claims for willful noncompliance under 15 U.S.C. 1681o.I demand immediate deletion of these inaccuracies from my credit file. Failure to act will leave me no choice but to escalate this matter legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
1 ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) 2 ) XXXX XXXX  ( XXXX XXXX ) 3 ) XXXX ( XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A debit card dispute was filed for a transaction, {$110.00} XXXX XXXX on XX/XX/year>. The item is a duplicate subscription to XXXX XXXX, in which case, I already have a subscription which was purchased directly through XXXX, which I confirmed with XXXX directly. A charge back was filed for duplicate subscription which was canceled and refund refused by XXXX. A temporary credit was issued in amount of {$110.00}, since reversed back out of account, TD Bank claims subscription cancelled after it posted to account, refused to assist despite cancelled and non-refund by XXXX. I received an email from a XXXX rep, XXXX, on XXXX, stating a manual refund can be issued but after 180 days, which is ridiculous amount of time, appears to be bogus time frame which I believe is set in order for time to run out before item can be further disputed with TD Bank. A screen shot copy of email is attached. Today, I attempted to dispute item yet again, unable to provide TD Bank rep who took claim a copy of email to support claim, I am attaching it here. I request TD Bank assist with this charge in anyway they can with email info provided showing refund after 180 days.
Product: Credit card or prepaid card

According to this company, after performing a consumer credit inquiry upon my social security number, they determined that I was not qualified to grant them the right to extend me credit. However, according to Federal law, specifically 15 USC 1605 ( a ) ( 3 ), Key Bank is not allowed to take cash as a down payment in a consumer credit transaction, also pursuant to 15 USC 1602 only a natural person can originate a consumer credit transaction, and for them to falsely represent themselves as a creditor is patent fraud. According to 15 USC 1681 ( d ) ( 2 ), and 15 USC 6802 ( a ) ( b ) ( 1 ), any transaction or experiences with me by any person making such a report, and myself as a consumer are not to be disclosed, unless I am given the opportunity before such information is disclosed to opt out, and given the knowledge of how to opt out of such disclosures. I was not given this opportunity. By telling me that I could only qualify to be extended credit after paying {$5000.00} upfront, that is a violation of my RIGHTS under the Truth In Lending Act 15 USC 1605. Pursuant 15 USC 1635 ( a ), it is the obligation of Key Bank to notify me of my Right of Rescission under The Truth In Lending Act. I was not notified of my Right of Rescission.
Product: Student loan

I attended XXXX XXXX XXXX XXXX from XXXX. This school committed misconduct and was placed on the list of schools with misconduct in the XXXXXXXX XXXX XXXX XXXX. I place an application for XXXX XXXX XXXX XXXX and was denied by Navient even though my school is on this list and I provided sufficient evidence. 
My application was placed on XX/XX/year> and denied on XX/XX/year>. The loan was originally a XXXX XXXX loan and is now being sold again. Repayment plans were not offered.
Product: Credit reporting or other personal consumer reports

this is my follow up complaint for the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$710.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

for chcecking account ends in XXXX found out they report me to XX/XX/XXXX say i owe money and they wont remove they close my account 2 years ago and held my money and send me money after closure how they say now i owe them money these are lies there are comminiting fruad and slander need help now please investagete bank they do like wells scandal they need to be under supervision
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Upon contacting the company, they have declined to remove an item from my XXXX account that I never possessed. I have provided evidence that the item was returned to XXXX XXXX in XXXX, but they have refused to acknowledge it. Here is the proof from XXXX XXXX confirming the return. According to their policy, there is a XXXX window to return the item, which was indeed returned and received in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inaccuracies on my credit report from TransUnion. The details of my disputes are as follows : Dispute of missed and late payments on XXXX XXXX XXXX  account # XXXX, opened XX/XX/XXXX, balance {$0.00}. 
Dispute of missed and late payments on XXXX account # XXXX, opened XX/XX/XXXX, balance {$0.00}. 
Dispute of missed and late payments on XXXX account # XXXX, opened XX/XX/XXXX, balance {$15000.00}. 
Dispute of a collection account from XXXX XXXX XXXX XXXX claiming no contract with the original creditor, XXXX XXXX XXXX XXXX 
Unauthorized inquiries from various lenders, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I do not recognize.
Product: Credit reporting or other personal consumer reports

1. Multiple Hard Inquiries : In XXXX, I purchased an automobile from XXXX XXXX XXXX. During this process, multiple inquiries were made to my credit file without my full knowledge or consent. The inquiries were made by XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX, all dated XX/XX/XXXX. The only inquiry that is correct is XXXX XXXX which is who I financed with. Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries must be authorized and have a permissible purpose. These redundant inquiries negatively impact my credit score and were not fully disclosed to me at the time of the transaction. In addition, I request the immediate deletion of these inquiries from my credit report under the premise of unauthorized access and procedural non-compliance. 
2. Mortgage Payment Reporting Error : We have been paying our mortgage as agreed since the inception of the loan, consistently making payments in advance. The mortgage company was scheduled to begin automatic deductions for XX/XX/XXXX, but they failed to do so. As a result, I manually made the payment on XX/XX/XXXX, and subsequently paid XXXX 's amount on XX/XX/XXXX. Despite this, the credit bureaus are inaccurately reporting a late payment for XX/XX/XXXX. Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy of the information they report. I have previously provided proof of payment and request immediate removal of this incorrect late payment reporting as it does not reflect the true status of my mortgage account.
Product: Credit card or prepaid card

I had a Capital One Quicksilver card that was delinquent, the card was paid off in full & I was told by collections that the account would be removed from all 3 of my credit reports by the collections department. I was told that within a month this would be deleted & its still showing up
Product: Credit reporting or other personal consumer reports

Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
XXXX date is XXXX Talked to this XXXX they told me that clear path lending pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for clear path lending, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for clear path lending. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and clear path lending. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX  Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXXXXXX XXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

Transunion XXXX Personal Information XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXXXXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

Transunion you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have been out of the country since XX/XX/XXXX. 
I only recently discovered that my Experian username was changed to XXXX with which XXXX not related, and now I am unable to sign in to my account. My previous address was XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and my old phone number was XXXX. On XX/XX/XXXX, at XXXX PM, I received a notification from Experian to my email address ( which was also my old XXXX, XXXX ) about an update to my account, which I unfortunately missed. 
Could you please assist me in recovering access to my account? My new phone number is XXXX, and my current address is XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. 

I placed fraud alert via phone call!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Ive received my dispute results from Experian and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from Experian. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!
Product: Debt collection

This fraudulent account has been previously removed multiple times as XXXX has never provided any documentation, and when I call then they say they have no accounts in my name. Furthermore their collection agency, I C SYSTEM INC, has never provided any documentation. Both have been informed by phone and in writing that this account was fraudulently opened by my ex-wife, XXXX XXXX, and refuse to take any corrective action.