23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.
Product: Student loan

I was struggling with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) student loans ( XXXX XXXX  loans for {$8500.00} each for college. ) and unfortunately, used my XXXX time deferment previously. Every time I call and ask what my options are, they say there is nothing they can do.I received a letter dated XX/XX/2022 saying that XXXX will consider wage garnishment and I may dispute the decision and have 60 days from the date of the letter. ( Payoff amount : {$24000.00} ). A day later, I receive a letter from XXXX XXXX XXXX dated XX/XX/2022, stating that they are a debt collector attempting to collect on my student loans and their number is {$28000.00}. How can they say I have 60 days to respond but have already transferred the debt over to a collection company who has tacked on {$4600.00} 3 days prior? Any help on this issue would be greatly appreciated seeing as how Im just struggling to survive.
Product: Credit reporting

Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. 
XXXX was contacted and I was told they were opening a fraud investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the removal of several accounts currently listed on my credit report, which remain unverified, inaccurate, or do not belong to me. 

On XX/XX/XXXX, I sent registered letters to both Equifax and XXXX, clearly identifying the errors and requesting investigations into each item. I have received no response from either bureau, and no corrections have been made to date. 

The following accounts remain on my credit report without proper validation or documentation proving that I am legally responsible for them : XXXX XXXX XXXX XXXX ) {$3200.00} This balance is not accurate and has not been accurate since it was first reported in XXXX. 
See the attached XXXX  bill from XXXX as supporting documentation for this dispute. No valid contract or detailed breakdown has ever been provided to justify the amount currently reported. 
XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) {$410.00} The account shows an open date of XX/XX/XXXX, but it has been reporting on my credit since XXXX, which is misleading and inaccurate. 
XXXX ( XXXX XXXX XXXXXXXX ) {$2200.00} I have no contract or agreement with XXXX, nor any proof showing I authorized this account. 
XXXX ( XXXX XXXX XXXX XXXX  ) {$4300.00} This account reflects missed payments in XXXX and XX/XX/XXXX, yet omits XXXX, which was also unpaid. This is inconsistent and inaccurate reporting. 

In addition, my report contains fraudulent XXXX and XXXX accounts, which I have never opened or authorized. A fraud alert is currently on file due to a previous data breach involving my student loans. Also, a XXXX card that was closed in XXXX continues to appear on my report and should be removed. 

My credit file is being gravely and unfairly impacted by inaccurate, unverifiable, and outdated information. Under XXXX consumer protection law, I have the right to dispute these accounts and request their removal if they can not be verified. Your continued failure to respond or provide valid documentation is unacceptable and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows a late payment in XXXX, a direct violation of the laws put in place to conceal consumers ' privacy. Transunion is in clear violation of the law, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I ask that the reporting agency ( Transunion ) and company reverse the late payment ( s ) from my consumer report. This agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times disputing this information with XXXX XXXX and all three credit bureaus. XXXX XXXX informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I received a notice of a debt from a company called Aqua. I do not know the company or the amount of the debt and what it would be for. I called the company on XX/XX/XXXX and asked them what it was for. They will not tell me unless I verify my address and birthdate. I don't believe this is a valid company and don't want to share my private information with them. The payment it says is not even due until XXXX of XXXX which is very strange. Even the bill itself is weird. It is talking about interest accruing on balances during promotional periods. I haven't purchased anything with a promotion. The purchase date is listed as XX/XX/XXXX in the amount of {$5400.00}. The phone number was not listed with the company contact information but in tiny print saying to call for a payoff quote.
Product: Credit reporting 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 USC XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXX XXXXXX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXXXX XXXX - XX/XX/year> 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you, XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of a personal card opened where XXXX XXXX sold an account to SXXXX XXXX and loans were placed in my report from XXXX XXXX, XXXX XXXX, and XXXX XXXXThese accounts have resulted in several fraudulent and inquiries and collections appearing on my consumer FICO credit report. The mentioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US federal trade Commission that all of the mentioned consumer accounts, collections, and hard inquiries re the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

rent solutions reached out to me claiming they got a debt on my name from an apt in XXXX XX/XX/2022, i have proof of my address at the time and i did go out there and visit but i didnt get a place i lost my wallet around that time and i told them to send me info but this place wants me to send them info to start an investigationn
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX ( 2 times ), American Express # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/ XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX  /XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX. 

Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 1944 XXXX XXXX XXXX. XXXX  XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Debt collection

I noticed a new entry of a Collection account on my Credit Report ( CR ) via the XXXX online platform on XX/XX/XXXX. The new entry was from I.C. System Inc. collection amount = {$900.00}. I contacted this company on 2 occasions, however, they seem unwilling to delete it from my Credit Report. This is the problem, it appears that someone used my personal name and ss number to acquire an account with XXXX  in the XXXX, Texas area. They apparently ran up a bill for {$900.00}. and then disappeared. Interestingly, I have an account with XXXX  since they were XXXX XXXX back in XXXX. As of today, my account with Spectrum is in good standing. Please note, The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this I. C. SYSTEM INC claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX  any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.
Product: Consumer Loan

I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian even acknowledged in one of their replies that I was requesting to have a copy of the permissible permission used to access my credit report in XX/XX/2017. But then they stated XXXX XXXX XXXX XXXX states they are reporting accurately and nothing about sending me copy of the permissible permission.???????????? Either XXXX and Experian are XXXX  or the biggest non professional game players in America. 
Experian is wasting time and playing games sending this to COAF because COAF lies by stating they are reporting accurately and does not send copy of permissible permission used to have accessed my credit report. And Experian does not protect my personal information. Neither of these companies have any right to be on the stock exchange.
Product: Credit card or prepaid card

First I complained about an unauthorized card. Now they cancelled my card and kept my money. " Serve '' prepaid American Express.
Product: Credit card or prepaid card

XXXX this is my prior complaint. 
1.XXXX has unecessarily enclosed 62 pages of private material only to further intimidate its customer. 
2. XXXX has NEVER responded to the letter sent to XXXX XXXX XXXX ( XXXX headquarters ). Why not? XXXX did not allow the customer to sent an email and/or fax and forced the customer to write a letter. 
3.XXXX has stated not to care per XXXX ( badge # XXXX ) American Express supervisor North Carolina XX/XX/XXXX at XXXX XXXX EST. " '' you can send all the letters you want but we wo n't give you any answer ''. This can be found on a recorded tape. 
4. XXXX has been called several times in XX/XX/XXXX and XX/XX/XXXX regarding the letter sent and each and every time customer was told to wait for an answer and to WAIT WITH PAYING THE FINAL BILL. 
5. XXXX has still charged 2 late fees in contradiction with # 4. 
6. Customer called XXXX to finally resolve this on XX/XX/XXXX and offered to pay off the WHOLE outstanding amount adjusted for the 2 late fees. This would be XXXX 7.  Whenever using XXXX chat there is no way to print the conversation. I have asked XXXX ( for ex. yesterday ) to sent me the transcript and/or provide some way to properly document the conversation. All XXXX states : '' we apologize but we cant do this ''. Why not? 
8. XXXX needs to stop lying : stating it credited {$820.00} is not true. XXXX is merely a payment venue with debits and credits going through its payment system. XXXX NEVER gave its customer {$820.00} from XXXX to its customer. XXXX is manipulating the facts as it is well aware that these credits are from 3rd party merchants.
Product: Bank account or service

This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting Bureau XXXX Equifax Address:XXXX  XXXX XXXX XXXX XXXX GA XXXX Re XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on ( XX/XX/XXXX ). The credit report of ( XX/XX/XXXX ) shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Not only were they re-inserted illegally, but these accounts do NOT belong to me. I have provided you with a plethora of documentation to support being the victim of identity theft. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have included the FTC, and my attorney. 

Thank you, XXXX XXXX
Product: Bank account or service

The US Bank has posed itself at the College throughout the Semesters as, a protection in the Monies of College Students that is, in Management of XXXX Monies, Merchant Disputes as well as, Monies Management for Veterans and Students XXXX and their Incomes. 

I was very Satisfied with their Service for the 1st Year yet, I feel as if have fell Victim of a Managed Change, in Discrimination and Harrsassment of the Dispute and Resolution Department. 

The Bank should stand behind its Clients especially, in the Honesties, Care and Respect of Students, Veterans and Students XXXX. Repeat Domestic Finance and Repeat Cruelty without Minimum Recoveries from the Bank is Very Poor Job in a " Discrimination and Harassment ''.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I was incarcerated for a substantial amount of time 11 years to be exact once I went over my credit report I seen numerous accounts that are not mine I have know knowledge of XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXXXXXX XXXX $