23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX ( Mr. Cooper ) has moved to the Notice of Trustee Sale on my home withouth first providing the requisite Notice of Pre-Foreclosure Options ( NOPFO ) as per WA. RCW. 61.24.030 ( 8 ) and RCW 61.24.031 ( 5 ) ( a ). This is a clear, specific violation of the Deed of Trust Act and the sale should be  terminated immediately. The previous Sale attempt was cancelled by Washington 's Department of Financial Institutions for this exact same reason ... failure to provide the NOPFO and yet again they are trying to steamroll right over me to sell my home without compliying with Washington law. 
Please see my attached complaint for complete details.
Product: Mortgage

After I lost my foreclosure, I was shocked to learn that XXXX was actually the owner of the note. They purchased my home at a Sheriff 's sale. During the course of the appeal, I tried to get in contact with them, to let them know that as a surviving spouse I was never even given the loss mitigation package which is supposed to be standard. I was actually not given any information about this loan, because I did n't sign it. They emailed back and forth with me, and finally said they were going to do additional research, because they did n't have any record of my account/house/mortgage. That was in XX/XX/XXXX and I never heard back from them. So, yesterday, the sale was confirmed. I just wasted another {$7000.00} in legal fees, I guess. If nothing else, I ca n't understand why they wo n't just open a line of communication and tell me what their plans are, so I can stop worrying about their " property preservation '' goons. Those people leave these tags on my door, which have instructions to call a number, but they wo n't call me back. When I did get an answer, last year, it was Nationstar, and they refused to even speak to me. ( because I 'm a surviving spouse. ) It 's so frustrating. Why do they have to be so rude? And do everything in such a rotten, scary way? I do n't want to come home to a padlocked house, and have my things all torn apart. I 'm seriously worried about that now. What 's going to happen? This has been 8 years of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information added to complaint IDs : XXXX I have made disputes with XXXX, XXXX, and Equifax for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/2022. 

XXXX  account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX Equifax account number reported : Ending in XXXX XXXX, Equifax, and XXXX have failed to investigate the accuracy of this collection.
Product: Checking or savings account

Had an account with Citibank opened over twenty years ago. The account was opened at Citibank, XXXX XXXX  XXXX XXXX XXXX, FL XXXX. Need to verify what happened to account. I believe account number was XXXX. Contacted Citibank customer service. Associate tried to look up account number by account number, name and SSN. Associate was unable to assist. On XX/XX/2019 I went to Citibank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Spoke to XXXX XXXX. He put me in touch, via phone, with Citibank customer service. Spoke with associate then with supervisor. Neither was able to locate account by account number, name or SSN. I have verified with Florida Unclaimed Property. They have no record of account. I did have account with Citibank. I need to know what happened to account. Citibank should be able to locate it by account number, my name or my social security number.
Product: Debt collection

IQ Data International Inc reported to the credit bureaus that I owe {$4400.00} to XXXX XXXX XXXX  TX. They did not contact me at all, and decided to report this under collections. I'm a victim of an identity theft and have never lived at that apartment. My lawyer has sent them a letter in XX/XX/2024 including my police report and Federal Trade Commission report. As of today my lawyer did not hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize any inquires that is on the file that is attached below. 
Please review attachment below. Thank you
Product: Debt collection

Company name : ORIONS MANAGEMENT GROU ( Original Creditor : XXXX XXXX ) Date account open : XX/XX/2022 Amount {$1900.00} I was reviewing my Credit report and noticed a fraudulent account that was on my credit report. I called the number that was on the report regarding the account and asked them if they could remove it from my account due to it being a fraudulent account. They stated this is your account. I asked them for the original contract. Within days of me asking for the contact. I received phone calls asking how I want to pay for this balance. I then notified them agian the account is a fraudulent account and the signature on the contract wasnt mine, and i never open this account. Can they remove this from my credit report cause this fraudulent account Is affecting my ability to buy my dream home.
Product: Credit card or prepaid card

Told me no because I would not give reason! 

Today second attempt, been on hold XXXX minutes but said needed reason, I told them the were a crook and finally canceled. 
My complaint is they refused to process my request to cancel account unless I provided a reason. The bank blackmailed me to provide a reason or they would continue charging {$99.00} per year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA Account # : XXXX Allege Late Payment Date : XXXX, 2021 Capital One is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

CAPITAL ONE HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong birth year is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries on my both experian and XXXX credit reports as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over XXXX in XXXXXXXX of 2023 but the loan has been paid off prior to XXXXXXXX of 2023. 

XXXX XXXX XXXX U S DEPT OF EDXXXX US DEPT ED XXXX have reported this several times to these companies along with the three major credit buraus XXXX, XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports my late payments without stating payments correctly and the balance is suspicious, as far as the balance each month
Product: Credit card or prepaid card

Submitted original dispute : Claim number : XXXX MERCHANT NAME DISPUTED AMOUNT XXXX XXXX INSURANCE {$650.00} They have requested additional information that i did not provide to them on time, however i have contacted them and provided them the paperwork they have requested, or anything i have had available in regards to the dispute, including letter from XXXX XXXX  stating that i am on monthly payments for my insurance, and a lump sum payment has never been charged to my account. 

I have also called the number on the statment or my credit card, that told to contact my XXXX XXXX  agent, which i did who provided me information in writing that was forwarded to the bank. Also from that number below it states that if i do not recognize this charge to dispute it and then call disconnects. My XXXX XXXX agent confirmed to me that they have not charged me that amount, and the only account i have with them is my car insurance. Below are transaction details. The bank refuses to give me back my money for below reasons : - We didn't receive valid documentation to show that the charge ( s ) was paid by another means. -I HAVE PROVIDED THEM BILLING STATEMENT SHOWING ALL PAYMENTS MADE FROM ANOTHER ACOUNT -- - - The information we requested wasn't received by the specified date. We're required to meet -- -THAT HAS BEEN RESOLVED AND DISPUTE REOPENED -- - specific guidelines and time frames in order to pursue your dispute ( s ). 

Transaction date : XX/XX/2022 Card type : Visa Transaction type : Purchases Merchant description : XXXXXXXX XXXX XXXX Merchant information : XXXX, IL Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Select toEditthe merchant name Transaction Category : get more information about transaction category Insurance : Insurance Select toEditthe transaction category Online Purchase : Y
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) 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. 

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15
USC 1681. 



Thank you, XXXX XXXX
Product: Bank account or service

My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Product: Debt collection

On XXXX XXXX Debt Recovery Solution Attached wrongfully debt on my credit report stating that I owe this bills ( XXXX ) from XX/XX/XXXX from a hospital XXXX ( XXXX XXXX XXXX XXXX. I paid this bill back in XXXX in which I have attached the document to this complaint. Now I contact DRS Recovery Solution multiple times ( XXXX ) I even ashed for there email and faxed number and I keep getting the runaround like wrong email and faxed number no help. So this is why am filing a complaint on this company. This bill was paid and I have proof. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, XXXX - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting

They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$6000.00}, {$7400.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$2500.00} -This is not my account. 
XXXX. XXXX XXXX SERVICE with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$5500.00} -This is not my account. 
XXXX. XXXX XXXX BANK with ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00}
Product: Mortgage

My mortgage is serviced by Shellpoint Mortgage Servicing, account # XXXX After having reached an agreement in court months ago, we have been sending in payments reflecting the amount on our escrow statement dated XXXX of 2023. 
I have not received a monthly statement of mortgage, in spite having requested them. In fact, this was a condition of the court settlement. I believe it it also the law. 
By now my escrow shortfall should be taken care of and my payment therefore reduced, but I have no idea as to how my payments are being applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I opened applied for an account with XXXX Credit or which is also known as XXXX XXXX. I thought that it might be a way to help out my credit score since I didnt have any credit cards at the time, only a vehicle loan. But unfortunately I was informed that XXXX Credit did not report to any credit bureau. Now however I did learn, from a recent call back to XXXX Credit, that they are now reporting So in turn I did not use the account. About a month ago I got an email from XXXX XXXXcom informing me that my Transunion score was dropped by 37 points and my XXXX  score had dropped 89 points due to XXXX Credit closing that account for inactivity. Then I filled disputes with Transunion and XXXX  hoping that those points would be reinstated. XXXX  reinstated the points but Transunion did not. 

I feel that this isnt right. I understand that closing credit accounts hurts your credit score but under the circumstances at the time of opening the account they did not report. As stated above, I recently found out that XXXX credit did not start reporting credit activity for any account until XXXX. I spoke with a Transunion representative today, XX/XX/XXXX, and was told that there isnt anything left they can do and that if I wasnt satisfied with their dispute results I could file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT THR CREDITOR DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information Transunion is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A XXXX supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last XXXX so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Product: Credit reporting or other personal consumer reports

I checked my credit report with wallet hub and realized my name is completly wrong and my address see my dispute as listed below.

To, Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address : 1.MY NAME IS TOTALLY WRONG AND THE CREDIT LINKED TO IT. MY LEGAL NAME IS XXXX XXXX XXXX XXXX SEE SOCIAL SECURITY CARD ENCLOSED AND DELETE THE NAME XXXX XXXX XXXXS WRONG. 2. MY CURRENT AND CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX SEE PROOF OF ADDRESS UTILITY BILL AND CHANGE IT TO THE ABOVE ADDRESS REMOVE THE ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX