23daVinci/CFPB_Complaints huggingface dataset:
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 many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item 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: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Would like the Cfpb and FTC to take action against TransUnion for illegal irreparable harm caused to me, by illegal rental Background check and illegal reporting practices. TransUnion illegal credit Reporting Practices has called irreparable harm by reporting, incorrect information, in which it purposely lowers my credit scorXXXX in order to pay one of their agents to fix the problem, if not it is a and ripple effect on my credit score. # .1 This is a violation of Title 15, subsection 1611- False and Misleading Denial of my own credit. # .2 If ALL ACCOUNTS are XXXX XXXX XXXX Document No. XXXX XXXX Congress. See Congressional Record, XX/XX/1933 on XXXX XXXX, XXXX '' Under the new law the money is issued to the banks in return for government obligations, See, Title 18 section 8, See HJN 192 Title 31 section 3132 ( a ) ( b ) makes the statutory pledge of the United States government to payment of Obligation and interest on the public debt, see Title 31 section 3130 further delineates its definition " Net Public Debt '' See Title 31 section 3124 under the Unites States Exemption from Taxation, there can be no violation or any inaccurate information on my credit report. If ALL ACCOUNTS are PREEPAID. They must Accept for Value the debt instrument/legal tender of the United States , as long as the debt exists, its impossible for ne to be liable for government obligations. and for there to be an inaccurate information on TransUnion that is false and misleading information of MY OWN CREDIT.
Product: Debt collection

i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.
Product: Credit reporting or other personal consumer reports

I was notified that XXXX reported my payment as late on XX/XX/2023 via Experian. As shown, I used XXXX text payment option to pay the minimum payment for this account on XX/XX/XXXX and XXXX reported the payment late on XX/XX/XXXX. I reached out to XXXX for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from my credit report.
Product: Debt collection

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND I REQUEST IT TO BE REMOVE AND DELETE FROM MY CREDIT REPORT. 
I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( Capitol One ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to XXXX XXXX XXXX, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX XXXX : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out several times for world finance to be removed for incorrect reporting XXXX XXXX was a charge off reporting late every month they have been paid please update account or delete
Product: Debt collection

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF
Product: Credit reporting, credit repair services, or other personal consumer reports

This a follow up from claim XXXX submitted on XX/XX/2020 I have included a copy of my license, social security card, utility bill, birth certificate to verify my identy and proven this complaint is being submitted my me XXXX XXXX On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX  on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a  binding contract with the XXXX XXXX XXXX  agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and  investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable. On XX/XX/2020 I submitted a complaint to CFPB experian refused to investigate my claim stating they did not think it was me submitting my dispute.
Product: Vehicle loan or lease

When I went to try and trade my car in for a lower payment I found out that my payoff amount is higher than my remaining loan. I called to find out why and they said I was paying off the interest first before principle. I told them that they were suppose to split it and I even made an extra monthly payment and put principle only and they applied it to interest only. I looked up the contract and there is no where on it that states that they pay interest first. This is also happening to my girlfriend as well and we have the same company. My interest rate is 28 % and hers is 26 % which is very high. The company is American credit acceptance.
Product: Mortgage

My Home Mortgage is with Wells Fargo Home Mortgage backed by XXXX XXXX, Loan # XXXX, The problems, we are having, we used the COVID-19 Forbearance on OUR mortgage. After requesting a reduction on our mortgage, we received 2 Highly ridiculous Offers : 1 ) 30 Year and 2 ) Mortgage Modification for 40 Years. I advised the employee that we have paid on OUR home for almost 12 years and paid off another home with Wells Fargo Home Mortgage, why such a Ridiculous offer. I was advised that's the best offer I can get from Wells Fargo. We fully rejected the offers. The employee continued to try and sell US on those Ridiculous offers. We advised them to STOP calling US about the offers to No comply. We get about 3 to 4 calls weekly from Wells Fargo. Most calls they calls hang up call right back 2 to 3 times daily, like a child playing on the phone. again, we advised them to STOP calling. 
Second, I advised Wells Fargo in XX/XX/2022, that We would like for the missed payments during the COVID-19 Forbearance period to be placed on the back end of our mortgage again to No Comply. Monthly we receiving letter stating that OUR home could be placed on the eviction due to nonpayment. We have never missed any payment. they are attempting to make me pay off missed payments ( COVD 19 ), instead of putting my monthly payments towards my account. 
We are looking for Wells Fargo to STOP harassing US.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts have 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 instruction. 

XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for the XXXX Charge account to be removed off my credit report. I have made several complaints about the account and this account does not belong to me. This account was solely opened as a result of identity theft.Please remove this account off my credit report
Product: Mortgage

Complete Short Sale package was sent in several time and calls placed to postpone/suspend foreclosure date to ensure the investor on the loan reviews my short sale application and considers allowing me this as a loss mitigation option to prevent foreclosure. Taking too long to be able to speak with short sale dept as they kept saying they don't have docs yet. Faxed as well as emailed it to them.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic I was forced to take XXXX, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to XXXX XXXX to make arrangements. XXXX XXXX refused to make arrangements. In XXXX of XXXX, I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and XXXX XXXX removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at XXXX XXXX and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 15.U.S.C. 1681 Section 602 A. States I have a 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 other than records of convictions of crimes which antedates the report by more then seven years.

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

I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. 
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... 
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. 
WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? 
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... 
LIARS ... .ALL LIARS .... 
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. 
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... 
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....
Product: Checking or savings account

On XXXX XXXX, 2023, I received an email from Chime stating that they had reviewed my account and decided to close my account and terminate relationship with me as a customer. I was confused because I have over {$4000.00} in that account ( escrow for a court case ). I had not used the account in any way, shape or form that would violate any terms. I had fraud happen months ago and Chime refunded the money, and that account remained with that same balance, untouched and unused since. I attempted to log in and got a message that my account had been closed and I needed to contact customer service for more information. I contacted customer service, who read off a script that my account had been terminated for violating some type of deposit agreement ( which I have no knowledge of whatsoever ). I explained to them that I did not know what they were talking about and that if they closed my account, they needed to refund my money. They said I was ineligible for a refund. They refuse to give me MY money. I asked to speak with a supervisor and XXXX the rep declined. She stated she would write a ticket and that's all she could do. 
I called back again, this time with XXXX XXXX on the line as well because she was the customer that sent me the money from her Chime account. Again I was read the same script, refused a manager and after a back and forth, XXXX the rep hung up on us. Chime can not furnish any agreement legally signed by me ( because I did not sign anything ), I've never received an email indicating there was a problem with the account and they refuse to give me valid reasons of proof. They stole my money and I want them held liable or I will look to file a class action as I can see several people having similar issues. They need to be shut down permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a {$4600.00} balance charged off on my XXXX Consumer Report also it's not showing that I only had a credit limit of {$1500.00} on this Consumer Report it's showing my credit limit was {$1500.00} but the balance due is {$4600.00} Account is Charged Off but I still have late payments being added to my Consumer Report I was sent a 1099c for this debt of {$1500.00} why is this account still being reported on my Consumer Report? 

XXXX  XXXX XXXX is reporting a {$2100.00} Balance that was charged off but I still have late payments being reported to my Consumer Report. I received a 1099c for this account. 

XXXX XXXX is reporting a charge off on my Consumer Report I am still getting late payment when I received a 1099c for this account. 

XXXX XXXX is reporting a charge off for ACCT XXXX I received a 1099c also they are still reporting late payments. 

XXXX XXXX is reporting a charge off for Acct # XXXX this acct was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 25 inquiries on my credit report that didn't result in myself obtaining financial services from them. As per U.S.C. 1681 sections 602 & 604 I had a right to privacy and no agency can furnish my account without my instructions. These I queries occurred roughly from XX/XX/2023 to XX/XX/2023. 
These inquiries have resulted in my credit score being negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added unauthorized inquires XXXX, XXXX, UNIVERSITY 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, and XXXX XXXX