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

I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not XXXX person has called me to verify not XXXX thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Product: Checking or savings account

On XX/XX/XXXX my Chase credit and debit cards were added to an XXXXXXXX XXXX that I did not authorize. I do not have an XXXXXXXX XXXX  as I do not own any XXXXXXXX XXXX. I did not notice this until I was charged through that XXXX XXXX  on XX/XX/XXXX for 3 transactions for a XXXX XXXX XXXX XXXX XXXX XXXX I have never been to Ohio and live in California. I reported the debit transaction that same day and the credit card one on the XXXX. I was issued a temporary credit for my debit. As of now, I have been reimbursed for the credit card transactions, however, Chase denied my claim for the debit card transaction of {$170.00} on the grounds that no devices had been recently added. However, I can see that an XXXX XXXX XXXX was added to my account on the XXXX. After calling XXXX, they confirmed that the XXXXXXXX XXXX was not tied to my XXXX XXXX XXXX which has no devices on it because I don't own an XXXX XXXX XXXX. Therefore someone used my cards and information on their own XXXX XXXX XXXX  Chase has continued to deny my claim after multiple phone calls.
Product: Debt collection

I have just checked my credit score, and I was going through what was affecting my score, and I ran across this debt collection of an GoldKey Credit amount of {$660.00} from XXXX XXXX XXXX. During that year, I just moved back to XXXX from New York, I did not have a job, I just graduate from high school a year a ago ; at that time I only had one debit card, and that was with XXXX. I really have no idea where or what this debit Collection is coming from, thank you for taking the time to hear me out.
Product: Credit reporting or other personal consumer reports

XXXX is XXXX years old should automatically come off my credit report but According to XXXX. XXXX XXXX XXXX code, not licensed to collect debt in Texas.
Product: Debt collection

I have not opened an account with these companies. I requested a validity of debt and requested a cease and desist on their harassment on these debt.
Product: Credit card

I received a email to settle my account. I called to accept the settlement and credit card company told me I needed to call back closer to when I could make the payment. I called back on XX/XX/XXXX to accept the settlement amount and schedule XXXX payments that would close and settle the account. I sent up XXXX payments for {$55.00} first to be deducted on XX/XX/XXXX and the next on XX/XX/XXXX. I asked the creditor to provide a letter agreeing to the settlement that included the terms of the settlement. I was told they wouldnt provide that until the XXXX payments were paid. I thought this was very odd because I wouldnt have any documentation of me agreeing to the amount I accepted. On XX/XX/XXXX the XXXX payment was deducted. I called back requesting documentation again because I kept receiving emails with different settlement amounts. Still they wouldnt provide the letter. I even asked to speak to a supervisor and they said they do not provide settlement letters until its paid in full. So I called back the week before the XX/XX/XXXX payment was due to confirm the payment was being deducted and asked still asked for a letter and they now said the settlement is pending until the last payment is received. Its not XX/XX/XXXX and they didnt deduct the last payment. I called today and the customer agent stated there was no settlement agreement for my account so I stated that was impossible because the initial payment was made already so I asked to speak to a supervisor and she stated its pending and that there was no payment set up to come out on XX/XX/XXXX. I told her this is why I requested the letter documenting me accepting the settlement because they keep sending me emails with different amounts and no that the final payment hasnt been deducted this is hurting my credit. Since they record every phone call I asked that she go back and check XX/XX/XXXX when I called and set the XXXX payments up to be automatically deducted from my debit card.
Product: Mortgage

On XX/XX/XXXX closing with a new mortgage company here in Arizona we had to work with Freedom mortgage again to find out the appraiser that Freedom used was never paid by Freedom. I paid XXXX for half of it. In closing on the new loan, I had to pay the full XXXX to the appraiser, this is disturbing to me. the Freedom charged me XXXX for a late payment that was waived and shows waived on my account. I also was charged 8 {$30.00} fees on my account which the customer service rep could not explain. they told me it was a shortage in the escrow. Now I found out the 8 {$30.00} charges were for the payoff requests. So, my new loan company only requested 1 payoff. Freedom never disclosed this to me or the new loan company. This is another misrepresentation. All of this is just another example of how they treat Veterans. This is also my second complaint with Freedom Mortgage. I started this refinance with Freedom in XXXX of 2021 and after 140 days they just canceled this refinance due to lack of information. this same information was given to the new mortgage company, and we closed in 4 weeks. no that all the dust has settled Freedom walks away unaffected. and I paid {$880.00} in fees and appraisals that Freedom should have paid. I would like Freedom to pay this back and apologize for this. I think Freedom should be investigated for these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score was XXXX then within a month my credit score dropped to XXXX for no apparent reason. 
I pay all my invoices on time unless I do not receive the invoice
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} UNKNOWN XXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 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. 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a checking account with State Department XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, I caught XXXX and was hospitalized for Covid and Congestive XXXX XXXX. At that time, my account was overdrawn. I spoke with XXXX and told them my situation. However my checking account was closed by XXXX for non payment and reported to credit reporting agencies. 

My account was then placed in chex systems. I was discharged from the hospital in XX/XX/XXXX. On XX/XX/XXXX, a direct deposit in the amount of {$2700.00} ( my first XXXX payment ) was deposited in to the checking account ). This left me me with a balance {$2600.00}. XXXX took the {$120.00} which was owed to them. 

I tried to open a checking account and was denied. I then pulled my credit reports from all 3 Major reporting agencies. As well as secondary and banking well as banking reporting agencies. XXXX still had unpaid on all reports. I reached out to them on XX/XX/XXXX and let them know that the debt had been paid. I asked them to remove the inaccurate information from all credit and financial reporting agencies. XXXX continued to show the debt unpaid on all credit and financial reporting agencies. 

I reached and again via XXXX mail and email. I applied at XXXX financial agencies and were denied based information on my Chex Systems report. I contacted Chex systems via XXXX mail and XXXX and asked that this inacurrate information be removed. I was told it would be. 

On XX/XX/XXXX, XXXX sent a letter verifying the debt paid. However I was denied a checking account again today XX/XX/XXXX. Is there anything you can do to assist me with this matter. 

Please Advise
Product: Credit reporting or other personal consumer reports

I saw unauthorized inquiries on my credit report this morning and don't understand why. Checking my credit report as I usually do, I encountered discrepancies that were not there before. I refreshed my browser, hoping it was just a glitch, but the inquiries persisted. Consequently, I am requesting a detailed review of the documents I have sent to ensure this issue is resolved and doesn't recur.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.
Product: Mortgage

I have called numerous times about an error on my XXXX. The itemized page shows disbursements from my escrow account to pay my property taxes ( as it should ). The summary box on the first page states {$0.00} paid in property taxes, which is problematic. I've been reassured by various personal that my taxes have indeed been paid, but I need to complete my taxes and don't want to do so with out a corrected form. 
Call 1 : Nice person, said the placed a ticket to get it fixed and I would receive a new one. Two weeks went by with no corrected form.

Call 2 : Said they couldn't find any ticket being placed so they placed a new one and it would be emailed to me within an hour of that phone call occurring. 
Call 3 : The next day, no email so I call again. Their systems were down but the rep told me my mortgage had probably been transferred and I'm probably not even their customer. This was incredibly insulting. 1. Freedom Mortgage happily has accepted every single payment I've made to them so I sincerely hope that I am in fact their customer. 2. I'm not a XXXX, in fact I used to audit escrow forms so I believe that I'm slightly more educated on the mortgage servicing process than their average customer. I was incredulous that without operational systems the rep would assume I'm not even their customer. She never even let me finish explaining the full problem. 
Call 4 : Trying again with a different rep who did apologize about the last person 's attitude, placed a ticket regarding the XXXX and I did get one emailed to me within a couple of days, within the promised timeline of that phone call. Except, IT WAS THE EXACT SAME FORM AND NOT A CORRECTED. XXXX! 
Call 5 : Called back and said it's still wrong, they put in an escalation to the manager and  suggested I proceed filing my taxes using the disbursement sum from the itemized page and that I should feel assured I would get a corrected one eventually. They placed a follow up to a manager to call me back as well. 
Manager Voicemail : I was in a meeting so I received a voicemail telling me to call back XXXX.

Call 6 : I call back and ask for XXXX but am never transferred. This person puts in ANOTHER TICKET abut the XXXX and says I'll get a corrected one because they don't see any there open tickets. That was yesterday XX/XX/2018. 
I'm at y wits end, there's clearly a systemic problem with that box on Freedom 's XXXX that's not being addressed. It's likely I'm not the only impacted customer as I highly doubt they are printing these individually. I want a corrected XXXX! It shouldn't take 7 calls from one customer to correct a bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed the new inquiry which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this inquiry which is found to be opened due to identity theft. The dispute inquiry do not belong to me. Im attaching the required FTC Report for you. Please block/remove this file. XXXX XX/XX/2023 If you feel there is a possibility this inquiry belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiry is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Although proper insurance information was provided on multiple occasions for our mortgage loan on a townhome we own, Ocwen forceplaced insurance. This exact same situation took place back in XX/XX/XXXX where we provided the information XXXX times and had to file a complaint with the CFPB in order for Ocwen to cancel the forceplaced insurance. Back in XX/XX/XXXX, we were told this would not be an issue going forward. Not only is it an issue but our HOA did n't change insurance agents so it makes zero sense that they would need new insurance coverage as our current coverage was in effect still. 

On top of that, the forceplaced insurance binder they provided in our letter dated XX/XX/XXXX has effective dates of XX/XX/XXXX to XX/XX/XXXX. If it was for last year why on earth would they be sending it now? If it 's for this year, why have they not used the information that we have provided to them on multiple occasions? 

Ocwen is an embarrassment to the banking and mortgage industry and clearly has not taken the needed steps to address the previous complaints and enforcement orders. As a Certified Regulatory Compliance Manager for a FDIC regulated community bank, I am absolutely disgusted by the actions of Ocwen.
Product: Debt collection

Capital One acct # 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 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Credit reporting or other personal consumer reports

Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of XXXX Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.