23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a telephone call from ( XXXX ) XXXX -- XXXX reporting to be Chase Bank to collect a credit card debt in excess of {$9000.00}. 

I do not have this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX XXXX ( no acct # noted ) Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.
Product: Debt collection

On XX/XX/XXXX ... Procollect Inc placed a debt from XXXX XXXX XXXX for {$6700.00}. 
XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. 

I have called them repeatedly and requested proof of this debt because I left the apartments in XXXX, the property manger refused to complete a walk through to verify the 2-bedroom apartment was left in great condition. Now in XXXX, the rudest collection agency is harrassing me over a debt I never knew I had. I visited a non profit credit counseling agency to get help with this company and refused to talk to the authorized 3rd party advocate. They are bullying me for this debt that they refuse to verify. 

Why do I owe {$6700.00}? Why is this on my credit report and why wont they send me proof? This collection agency does not have a license to do business in the state of TN and Im reaching out because I can't seem to get anywhere with them.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 To Management Named As XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report in XX/XX/2023. 

I demand under FCRA : Section XXXX : XXXX. Permissible Purpose XXXX. My written authorization XXXX. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX I made a full payment of my credit card balance to the Bank of America for {$560.00}. My balance was XXXX. A couple of days ago I received a statement from the Bank of America requesting I make a pay for additional fees of {$59.00}. I have called to inquire about the fees but been given unsatisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1881. According to 15 USC 1681 section 602 A. States I have the right to privacy According to XXXX Section A Section 2 also states..comodi.ac. can not XXXX account without a XXXX instructions. LexisNexis is lying I have included a copy of the photo I sent them that is date XX/XX/XXXX with a email from pacer that they do not report anything to credit bureau nor do they verify information. I also included a copy of certified mail date I sent a copy of my photo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal demand regarding the harmful and false information reported by TransUnion Rental Screening Solutions ( TURSS ), which directly caused my recent rental denial. The information provided in your screening report is unauthorized, inaccurate, and detrimental to my well-being. 

I have no contract with XXXX XXXX XXXX XXXX XXXX, nor have they provided any verifiable proof of legitimacy for the information they supplied. Yet, this unsubstantiated data has been used to deny me housing, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I know you can care less about this because it isnt happening to you, but your failure to maintain accurate reporting is endangering my financial stability and personal safety. This denial is not just an inconvenienceit is jeopardizing my ability to secure a home and build my future. 

Let me be clear : You must immediately retract the information provided by TURSS that led to this rental denial. 
Remove all references to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my report. 
Provide written confirmation of these actions within 24 hours.

Failure to address this matter promptly will leave me with no choice but to pursue legal action. I will hold both TransUnion and any involved parties accountable for the harm caused by this negligence.

This is your final warning. You have 24 hours to resolve this matter and provide proof of compliance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Equifax : XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$570.00} XXXX Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately. Both accounts where open in XXXX of XXXX seems very strange to me that these items appeared in the same month same year.
Product: Debt collection

My dispute is with the Medical Revenue Service who collected for XXXX XXXX Hospital. None of the choices pertain to this problem. I called this company on XX/XX/20 to let them know that I would be paying this debt in full because I am in the process of purchasing a home. The fact that this is a hospital bill is bad enough but to add insult to injury, this company listed the debt four times instead of listing it once with the total amount of {$670.00}, so now it is counted as four collections on my credit report. This company reneged on their promise to remove this debt from my credit report after I indeed kept my promise to pay the entire bill stating that I did not pay it when it was due. Well, it would not have been a collection if I had the money to pay the hospital when the bill was due, but the fact remains that the debt is paid in full and there is no need for it to remain on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, fraudulent accounts have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 1. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} 2. XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9500.00} 3. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 4. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1800.00} 5. XXXX XXXX XXXX XXXX XXXX - {$00.00}
Product: Mortgage

Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax mortgage services seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in   XXXX   and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized quicken to pull our credit report one time. Shortly after contacting quicken, we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED. I t 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s  ), that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers credit score  XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and Equifax mortgage services ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection, FTC and US  attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.
Product: Mortgage

This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.
Product: Checking or savings account

We were doing business with XXXX XXXX XXXX XXXX in XXXX Arizona. We contacted them and notified them we wished to cancel in XXXX of 2023 and they charged us for the remaining amount we owed them. 

Then in XXXX of 2023 they charged us for {$190.00}. This was an unauthorized charge. I notified the bank USAA that there was an unauthorized pending charge on my account. USAA told me they would issue a stop payment request. A few days later I noticed the charge no longer showed as pending and had gone through, so I contacted USAA again and opened a dispute case. 

I called XXXX XXXX XXXX XXXX and the person who answered indicated they were a new billing person and didn't know what was going on, but they insisted the charge was accurate even though I had told them we had canceled in XXXX and had already paid for what they were charging us for. 

I sent documentation to the bank USAA, copies of emails from XXXX between XXXX XXXX XXXXXXXX XXXX  and my wife. USAA closed the dispute case stating that the fault was my own. I have contacted them numerous times to try to get the {$190.00} back, repeatedly asking them to review the documentation I sent them that clearly shows it is an unauthorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my credit score or credit report on any website.
Product: Mortgage

XX/XX/XXXX - First attempt to receive information on PMI cancellation was made by me using their online ticket system and went completely ignored by Nationstar. Automated ticket response claims they may follow up with phone call or email ( neither of which were consented to forms of communication and neither of which were even attempted ), after which tickets were marked as read-only despite no communication occurring whatsoever. The automated message additionally directly implicates XXXX XXXX XXXX XXXX  as involved in the negligence. 
XX/XX/XXXX - Follow-up attempt on previous ticket was made and again completely ignored by Nationstar Sometime during XXXX XXXX - Mortgage was transferred to Nationstar 's Mr. Cooper subsidiary with neither consent nor notice and payment page was deleted without redirection to the new page in a deliberate attempt to cause missed payments on the mortgage. 
XX/XX/XXXX - Attempt again made to receive information on PMI cancellation, again completely ignored XX/XX/XXXX - Final attempt to receive information made and again ignored
Product: Mortgage

Our loan was in good standing until it got transferred or sold to Ocwen. It has been nothing but a struggle with them for the last year in a half. They dont take payments and then when I call to get the issue resolved i struggled with people overseas that didnt care. They would tell me that I would have to enter a repayment plan and have to put a huge down payment down and i would and then i would make a payment and they wouldnt take the payment and then i would go through the whole process again, but then they would not take payment again and now the loan is XXXX months past due and im at my last wit ends with them. I need help, this company needs to be shut down.