23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX  I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX Santander, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of XXXX  showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and Santander and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and Santander consumer U. S.AXXXX On XX/XX/year> and the XXXX. Report of XXXX, XXXX XXXX XXXX on XX/XX/XXXX of XXXX  thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX XXXX, Santander XXXX XXXX XXXX XXXX XXXX and san tander
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.
Product: Credit reporting

Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.
Product: Student loan

To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you
Product: Debt collection

Receive on average two calls per day asking if I am -some person 's name- and if so press! otherwise I am to ignore call. The name changes on each call and is never mine. This has been going on for several months now. My phone number has been on the national do not call list since XX/XX/2018. I have no debts except my mortgage which has never had a late payment.
Product: Mortgage

XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX reported one of the escrow disbursements as non employee compensation. The other disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them, not as an insurance settlement disbursement which is what those funds are.
I have never worked for XXXX XXXX XXXX, the other disbursements were not reported as non employee income. XXXX XXXX has refused to allow me to talk to the lost draft department, they said a supervisor would call, which they have not in 2 business days and they sent an email indicating the funds were reported correctly. If they would like to pay me the {$87000.00} they are reporting that they did, I would accept those funds and pay the taxes and penalties. However it makes most sense they correct the reporting to the IRS. I have also tried to call HR and multiple people at customer service. I do have all their contact information etc. The customer care folks said it was capital gains and that I should talk to my CPA. It is not as the house was never sold. We rebuilt it, refinanced it and live in it. They also said the XXXX does n't show that information, however the IRS 's says otherwise. I requested a copy from XXXX XXXX and they said they do n't even have a XXXX other than the {$250.00} in interest from the escrow account. The IRS has requested verification of this income. Their unwillingness to resolve this problem is not only frustrating but unacceptable. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue.
Product: Credit reporting, credit repair services, 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 repair these inaccurate items 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 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 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
Product: Debt collection

I applied for a Credit Card at XXXX XXXX which was approved I made one time purchase at the time of opening. Apparently US Bank was the credit issuing bank but the envelopes they have been sending had no labels on the outside that would hint at that these are for XXXX XXXX. I assumed these envelopes were marketing materials from US Bank which I often get and did not open them until yesterday. That's when I realized that it's for XXXX XXXX. I called them today and they are saying they can't waive the fees and finance charges. My initial balance was only $ XXXX but with fines and finance charges they are now $ XXXX. I only used the card that one time at the time of opening this is basically the first statement on which interest and finance charges have accumulated. They were talking about it's past 120 days ( 158 days ) and I asked them to waive the finance charges and interests within the last 120 days and they are not willing to do that. All this happened because the envelopes from outside had no indication that they are from XXXX hence I never opened them. This is clear ripoff of customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agen cy ( CRA ) wa s contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,    2017. I n the letter I cited FCRA Sect ion 609 ( a ) ( 1 ) ( A ) r equesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX  , 2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX ,  2017, re questing the method of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), t he CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via ce rtified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a t hird dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). The CRA  has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I se nt a written letter to the CRA explaining that the account numbers for  XXXX  of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, pr ess release titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from Discover credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Product: Debt collection

I tried to call them and exaplina what was happening with ny card. Theyve know for two years when I had the card I made continuous on time payment. They did not give me the change to work it out them.
Product: Credit card or prepaid card

American Express did not apply the credits the payments I made and the refunds to my balance due on XXXX XXXX XXXX. I have an American Express Gold card.I 'm a secondary cardholder. I don't know what I owe because my online account with American Express doesn't show my correct balance. I called American Express customer service XXXX XXXX XXXX And they claimed they'd update my balance but it's still not updated. Thanks Consumer Finance Protection Bureau.
Product: Mortgage

For the past five years Ocwin has what we believe is an effort to lose our payments so that they could annul our loan modification. If we get behind on our payments we lose several benefits that must be paid by the lender. They been successful by changing our payment amounts then charging the difference the next month, on several occasions simply rejecting our payments without notification. However this complaint is about Ocwin scrambling our payment history when we decided to push back against the most recent lost payment. Please see attached reported current history from Ocwin. We can not make a determination of our owed payments with Ocwin because they refuse to give us an accounting.
Product: Debt collection

I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015  {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount
Product: Debt collection

First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous requests for reinvestigation have been sent out to XXXX, XXXX  and Experian regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Product: Credit reporting or other personal consumer reports

I did not consent, or benefit from, or authorize any of the following accounts : FAIR COLLECTIONS & OUT-ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One uses illicit, and unethical processes with their credit card account holders. 
In XX/XX/year>, I used XXXX to purchase hotel accomodations. The company falsely advertised om XXXX. Did not provide adequate accomodations. Nor allowed for checkin to said accomodations. 
A dispute was submitted with my CapitalOne credit card. Capital One did not communicate withe me, account holder any further, yet placed transaction back on account during dispute process. 
There is a continous means that is now clear that Capital One intentionally uses unethical business practice witj account holders. They do not follow their doxumented dispute process. They do not communicate witj account holders. Capital One forces negative actions on credit card accounts. 
More than enouvh information was provided to confirm account had to double pay for accomodations for the same date. that the company with XXXX uses fraud to scam customers. 
Capital One Credit Card should be thoroughly investigated for their illicit means of business with credit card account holders. 
Capital One does not communicate with account holders, makes up falseboods on account and when trying to communicate by calling in, representatives say any and everything because they know its not in writing so it cant be confirmed.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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
Product: Money transfer, virtual currency, or money service

I wrote a check from my bank ( XXXX ) to a person with an account at Chase Bank. My bank ( XXXX  ) paid the check on XX/XX/2018 to Chase bank. Chase bank is holding the check from the recipient so the recipient cant get the funds.
Product: Debt collection

Optimum Outcomes is reporting to XXXX a collection in the amount of {$740.00} for XXXX XXXX with a delinquency date of XXXX XXXX. I was seen at XXXX XXXX in fall of XXXX but medical insurance paid the full amount since I had met my deductible. I have lived at my current address in XXXX since XXXX XXXX. I never received a XXXX day collection activity from Optimum Outcomes and it was reported to XXXX XXXX credit file without me being able to fully validate debt. Optimum Outcome is in direct violation of federal law by reporting inaccurate debt by re-aging the delinquency/open date to XXXX XXXX which is illegal. If this debt did occur it would have been in XXXX and the delinquency date would have started then, but since I tried disputing the debt, I am unsure if I owe this medical debt which also violates HIPPA Laws. I did dispute the debt but it remains on my credit file and has been being reported since XXXX XXXX. Since they have re-aged a debt or received misinformation from XXXX XXXX XXXX XXXX XXXX and reported inaccurate information they Optimum Outcome is in direct violation of federal law under the FCRA. If the collection item is not deleted I would like FCRA penalties and fines against the reporting company, Optimum Outcomes. I have lived in XXXX since XXXX XXXX and can prove this address was on my credit file then and proof of employment starting in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid off and is reporting as a redeemed repossession. The vehicle was never repossessed. The loan has been paid off for 5 years
Product: Debt collection

I keep receiving debt collection phone calls from XXXX. When I call them back, they identify themselves as USI Solutions Inc most of the time, sometimes they identify themselves with a fictitious or illegible company name. When they leave a voicemail, they identify themselves a USI Solutions Inc. The calls are in regards to a XXXX account prior to their acquisition by XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. I told the debt collector that it was n't my debt and asked her to mail verification. She told me they were " not in the letter business. '' They wo n't even provide me with an account number for the alleged debt. I never received any verification or notification of rights. I called XXXX to try to verify the debt myself, and they have no record of it. They call every single day and if I attempt to communicate with them, they are very rude and talk over me with blatantly inaccurate information.
Product: Mortgage

I had a home loan with XXXX Bank. When I logged into XXXX 's payment system to pay my loan in XXXX of XXXX, I was notified that the loan had been sold to XXXX and to make my payment there. 

I logged into XXXX in XX/XX/XXXX to pay, but the loan did not show up. I called XXXX 's customer service line in XX/XX/XXXX and was told to be patient. The loan takes a bit to process and appears on the customer dashboard. I was reassured that I had a XXXX grace period to make the payment and to keep checking back. The loan never showed up on my dashboard for the entire month of XX/XX/XXXX. 

I logged in again in XX/XX/XXXX to pay the loan. It still was not available. I called XXXX 's customer service group again. I was given the same update : The loan is not yet ready ; be patient. You are still within your grace period. Keep checking back to see when it is available. The loan did not show up as payable during XX/XX/XXXX either. 

When I logged in in XXXX of XXXX, the loan appeared on the dashboard but would not let me pay it. I called XXXX 's customer service again. The lady on the phone said she could see the same thing. The loan was there, but she did not know why it prevented me from paying it. So she took a payment over the phone from me. She even waived the late payment fee due to the circumstances. This happened on XXXX XXXX, XXXX. She informed me that it would not be included in my credit report due to the circumstances. She also asked that I email XXXX 's technical support group for assistance on why it would not allow me to pay the loan. I sent this email the same day, XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, my credit monitoring service sent me an email stating XXXX of my accounts had been reported as delinquent. My XXXX XXXX dropped from a XXXX to a XXXX overnight. When I looked at which account they were saying was delinquent, I saw that it was the same loan that XXXX assumed. Since then, I have called XXXX XXXX times to get this resolved. They will not call me back. I have also placed a formal complaint with the XXXX XXXX XXXX XXXX using the form and process on their website. No one has contacted me back. 

In short, I have been trying to solve the problem XXXX created since XXXX of XXXX. My credit is still broken, XXXX still will not contact me back, and I need help getting them to fix this problem.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY 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 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 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 Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.