23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the first quarter of XX/XX/XXXX We were delinquent on the mortgage payments with Wells Fargo. We received the attorney demand letter dated XX/XX/XXXX for the balance due in the amount of {$17000.00} ( copy included in the attachments ) We requested a reinstatement amount to bring the account current. We were advised it would take 10 days to produce. Wells Fargo provided a letter dated XX/XX/XXXX. The account was reinstated on XX/XX/XXXX with the amount  requested. THEREAFTER an additional {$1000.00} was assessed to the account as an " unpaid advance balance ''. When I initially inquired about the fees I was informed verbally that they will eventually fall off the statement when the funds get posted to the account. I was never disclosed what these fees were for. I was never asked to pay these fees via my monthly statements. On XX/XX/XXXX I received a demand letter for reinstatement that did include the {$1000.00} PLUS the late fee. However, in their letter dated XX/XX/XXXX they state they do not include late fees on reinstatement quotes. ( which is a contradiction ) In XX/XX/XXXX when I initiated the request for full payoff I noticed these a were still  attached to the account and included in the payoff figure. When I inquired as to the exact break down and purpose of the fees I was informed {$560.00} Attorney fees, and {$460.00} in filing costs. I 've gone through an extensive process to dispute the fees and request a detailed explanation of the fees and PROOF via a copy of a paid invoice for services rendered. I do not believe these charges are true and correct. The attorney fee was quoted in writing and paid {$840.00} ( why would they neglect to include the additional {$560.00} of their entire fee in the reinstatement figure ) and the filing costs are being quoted as {$460.00} - filing what? There certainly is n't more than {$6.00} in filing fees reflected in the public records to record the cancelation of the XXXX XXXX. I have requested several times DOCUMENTATION of the paid fees - NOT JUST A WRITTEN EXPLATION FOR IT. This dispute prevented me from paying my balance in full for over two month causing additional interest to accrue. On XX/XX/XXXX I paid my account in full vowing to resolve this situation by any means possible.
Product: Credit reporting or other personal consumer reports

I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Address ID XXXX XXXX Single family Never lived at any of these addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items.
Product: Mortgage

The home closed on XX/XX/XXXX with Movement Mortgage, then sold to XXXX. Payments started on XX/XX/XXXX. All payments have been made on time. I have proof of all payments. Between the two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone calls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue. XXXX have a transfer date of XX/XX/XXXX, then Movement Mortgage has a transfer date of XX/XX/XXXX. I sent the XX/XX/XXXXpayment to Movement Mortgage and they refuse to send the payment to XXXX because they are saying it would make my account delinquent with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of this year my credit score was tanked around XXXX points of non payment on this card when the card balance was {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I  called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Product: Debt collection

I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named XXXX XXXX whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called XXXX XXXX. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX XXXX and XXXX  and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.
Product: Mortgage

I am filing this complaint against Ocwen/PHH/XXXX XXXX . I have a shared appreciation modification loan number ( on next page ) in which my second deed of trust 's debt was rolled into the modification. If I completed on time payment for three years, the total outstanding back debt would be forgivien. I have completed the three years, and the debt was forgiven. I have an offer for my home, and I am in a contract. Now that I am trying to close my house, OCWEN/PHH/XXXX XXXX is attempting to awaken a debt included in the back monies owed ; I am requesting that PHH/OCWEN/XXXX XXXX  either assign my second to my first or processes a lien release at the XXXX County Recorder 's Office. I also request that they give me an itemization of the back debt to include the second deed of trust.
Product: Credit reporting or other personal consumer reports

The issue Im facing is that they are not responding to me, and whenever I reach out to request a review for inaccuracies, they mistakenly identify me as someone elsedespite me providing all of my personal documents.

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all information must be properly validated and reported with 100 % accuracy. However, this is not being upheld in my case.
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

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. 

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC { XXXX
Product: Debt collection

My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.     I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early  2017 . My credit should have been frozen by  XXXX , but that seems to not have been effective.     I do n't owe this debt, and my  credit score ha s been damaged because the account is delinquent.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting

As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for XXXX. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Experian says it will show on my credit report as a released tax lien until XXXX XXXX. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent inquiry from my consumer credit report. This inquiry and is a result of identity theft and fraud. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

Reporting Account XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose
Product: Debt collection

We rented an apartment from XXXX XXXX and now have a line on our credit report showing " Collection/Attorneys Fees '' As far as we knew we had all of our rent paid, and cleaned the apartment to what they wanted before moving out and notified them of any damages while living there. We now have a debt in collections against my credit in the amount of {$490.00} against both of us. We were never notified we had outstanding fees, missing rent, or any notice of action against us.
Product: Checking or savings account

Opened a savings account with Discover Online Banking using a promo code that promised {$150.00} bonus if account opened with minimum deposit of {$15000.00}. I did deposit the {$15000.00} and received and email on XX/XX/2022 stating the promo amount would be deposited to the account in approx XXXX business days. As of this date and time the bonus amount has not been deposited after several conversations with supervisors at Discover. I then found out that Discover can sell and trade my personal information as they see fit. As a senior citizen, I believe I was scammed into giving my SSN and other info for the benefit of Discover selling and trading my personal information and never did receive the {$150.00} promo bonus. I believe they are taking advantage of hundreds of thousands if not more seniors and non senior citizens personal information using this method. I have several instances of documentation where I was given incorrect and false information by Discover supervisors. 
Names and dates of the conversations with these supervisors can be provided.
Product: Credit card or prepaid card

They offered me a {$3000.00} limit to spend to get {$150.00} back, and they promised the first year free, they kept pressuring me into this for two or three times, I felt like the wind was knocked out of me ( Offerred to everybody online as well. I got the same promotion except to spend {$500.00} or more in my e-mail and get the same {$150.00} back.
Product: Credit reporting or other personal consumer reports

Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history.

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the worse when it comes to reporting, to my surprise, as I look thru my credit file I saw all of the account that were discharged in a bankruptcy do not say discharged in bankruptcy and now they are counting one of the accounts late payments which is affecting me even worse, I do not owe those debts any longer and they have them listed like I do. They took these accounts out of the bankruptcy and thats ilegal to do. I will be contacting the attorney generals office today and I will also file a small claims suit against Equifax if this bankruptcy is not deleted at once, this might be a game to this company but not me, I hope I see this come off my credit file in 10 business days or I will not hesitate to continue my quest for justice. I will also place a complaint to the bbb or better business bureau.