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

I'm writing to who it may concern as my credit report has been adversely affected by several fraudulent accounts and inquires. It has affected my livelihood my personal life and my credit life. I demand these erroneous accounts be removed from my credit report immediately and my credit report updated. I have my supporting documentation here below regarding these accounts and inquiries. I have been a victim of identity theft and have my supporting documents and information below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing as 120 days late in XXXX, XXXX, XXXX, and XXXX ... with no previous 30/60/90 days late. I have never been late, never had a late fee assessed. Attached is proof that I made my payments in all 4 of these months.
Product: Mortgage

Ocwen Loan Servicing has forcefully kept open an escrow account that is voluntary by the mortgage note. I have repeatedly sent QWR 's ( as per RESPA ) to get it closed. They ignore me. They now have raised my escrow payment by doubling the property taxes by claiming there is a " Special District Tax '' that is equal to my property taxes. There is no such " Special District Tax ''. I have requested a copy of my mortgage note and they fail to provide me the note in it 's entirety. 
Prior to Ocwen, the account was serviced by GMAC Mortgage who improperly charged fees to the account and then went out of business before the issue was resolved. 
In addition, Ocwen quit sending me monthly statements claiming I made a request for them not to send me statements. I did no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

On XX/XX/XXXX I called the XXXX Company to transfer my XXXX cell phone lines from XXXX to XXXX XXXX The XXXX representative informed me that each line had an activation fee of {$35.00} dollars and that the XXXX lines would add up to {$100.00} dollars. The representative also informed me that I was going to receive XXXX SIM cards and as soon as I received the XXXX cards I have to activate them to start with the contract and service. I paid the {$100.00} with my credit card but the next day on XX/XX/XXXX I called XXXX to cancel the whole deal and told them I wanted the {$100.00} back to my credit card. After canceling the agreement with XXXX XXXX, I was calling many occasions to the company XXXX  to get my money back and they always refused to do it, they told me that I could leave my money on credit for another time if I decided to subscribe with XXXX, I flatly refused and just wanted my money back but they XXXX did not want to return it. 
Due to this act of bad faith on the part of XXXX, I was forced to call the bank of the credit card and explained the situation and they raised me a dispute but did not assure me of the return of money but, on XX/XX/XXXX XXXX returned the {$100.00} to my credit card. Its been XXXX months since XXXX company gave my money and XXXX sends me a bill for {$100.00} for cell service, I called XXXX, I explained to the representative that I dont have any service with XXXX, he decided that next month it is going to reflect {$0.00} on the account and apologized for the mistake. XXXX months later, another bill arrives to my mailbox from XXXX with {$100.00} for service and {$25.00} for late payment, I call again XXXX explained the situation and the representative decides to remove the {$130.00} bill again. 
In XX/XX/XXXX I received another bill for {$130.00} dollars from the XXXX company for service and delay, I made another call to XXXX but the representative informs me that it will be a bit difficult because the account was already almost in collection and on the XXXX of XX/XX/XXXX XXXX, acting in bad faith, registered and informed the credit companies that I owed them {$160.00} dollars, being a lie to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, Experian, and XXXX written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXXXXXX XXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXL, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was renting at parkstead XXXX and ended my lease. When I moved out I was charged for an extra month even after I gave more than a 30 day notice. I disputed this with parkstead multiple times and it was sent to Carter young a collection agency. I ended up making contact with XXXX XXXX who works for XXXX XXXX, which owns parkstead. I was able to clear the confusion up with her and she was able to provide me my security deposit back and started she would inform Carter young that I did not owe any money. I am still receiving emails from Carter young asking for money.
Product: Credit reporting or other personal consumer reports

Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida XXXX XXXX XXXX, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.
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 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

This company refuses to identify who they are and are calling me at work. It's a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit card

I received a call the morning of Wednesday, XXXX XXXX, 2016 from a Chase Credit Card representative explaining to me that my monthly payment for my credit card ending in XXXX was past due for the month of XXXX 2016 and I now owed the company a payment of {$110.00} ( inclusive of the regular monthly payment that I send which is {$85.00} and the {$45.00} minimum payment that they claim I failed to make for XXXX 2016 ). I explained to the representative that these payments are set-up with my credit union on automatic bill pay, so I was sure that my payment for the month of XXXX was sent to them in XXXX of 2016. My bill is usually due on the XXXX of every month and my auto bill pay is set up to make payment on the account in advance, as my monthly statements will show. The representative than explained to me that because my XXXX payment for the XXXX bill posted before the XXXX XXXX ( which on my statement it shows it posted on the XXXX -- -hmm ) that particular payment was applied to my XXXX statement, thereby deeming my XXXX payment as unpaid. I find it to be very unfair that I 'm being harassed, accused of not making a payment and regarded as fiscally not responsible because I made an early payment and the credit card company made the decision without my consent or at least a courtesy call to apply my payment to the same monthly statement for which they had already received payment.
Product: Credit card or prepaid card

our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country
Product: Debt collection

mailed and requested verification of debt on XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 2 letter XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 3 letter XX/XX/XXXX, recieved letter stating was reported disputed with all comsumer agencies and based on their investigation of dispute regarded account accurate and did not include additional information.
Product: Money transfer, virtual currency, or money service

PNC Bank will not allow me to link my bank account to any 3rd party. Unable to link bank account.
Product: Credit reporting or other personal consumer reports

This communication serves as a formal follow-up complaint regarding my status as a victim of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any entries identified in an identity theft report. In my situation, this pertains to a Federal Trade Commission ( FTC ) Report bearing the number # XXXX. I urge you to consult the documents provided to facilitate the elimination of incorrect and fraudulently established accounts from my credit reports. Below is a delineation of accounts and information opened or recorded without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must delete any information identified by the consumer as resulting from alleged fraudulent activity within four business days following receipt of such notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate 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 concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I called to get a pay off an allege loan with Avant the lady on the phone to me on the phone that in order to get a lowered payment payoff I had to been in delinquency for 90 days!!! Ive had this loan for over years and the payment is so expensive because all of the expensive fee theyre charging me. I get emails about the debt. Which is causing major stress in my life. They also tried to charge my card! Without my permission! The charge was about holding the pay off amount! The lady never told me that I would be charged!!
Product: Mortgage

Refinanced into a conventional mortgage with Homebridge Financial roughly a year ago. Homebridge owns the note and ( until XX/XX/2019 ) serviced their own loans. Apparently, when they started using a 3rd party servicer ( XXXX? ) they also changed the loan number. We have never missed a payment and in fact had our mortgage set up on autopay at our bank ( Arizona XXXX XXXX XXXX ).  Somehow in XXXX the change in loan number started to create confusion at Homebridge because they indicated that we had missed that month 's payment. However, we did NOT miss that payment it just went into their system under the old loan number ... .but they still withdrew our funds. I have spend countless hours at my bank and on the phone trying to resolve this problem but it persists. We have provided Homebridge the transmittal report for the XX/XX/XXXX payment but they continue to indicate that we missed the payment ( and that we are accruing late fees ). Furthermore, our taxes and insurance were just paid from our account however this deduction will be too small because Homebridge didn't include our XX/XX/XXXX payment contribution. This is a mess and we do not know where to turn to resolve the issue. Please help
Product: Credit reporting or other personal consumer reports

Good afternoon and happy new year, I am writing to bring an urgent matter to your attention regarding my credit history. Over the past year, I have been reviewing and communicating with your company about errors and unknown information on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX filed my dispute with updated information, associated with consumer number ( XXXX ) and case number ( XXXX ). It has now been over 30 days, and I have yet to receive a response from your company. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, and 611, you are required to investigate disputes and respond within a reasonable timeframe. Due to your failure to act on the inaccuracies I reported, all incorrect information must be deleted immediately. 

The lack of communication and urgency has resulted in significant harm to my credit score, which is now classified as " POOR '' as of XX/XX/XXXX. This situation has severely limited my ability to increase my credit limit and seek assistance from other banks and lenders. Below are the specific issues I have encountered : 1. Inability to access my credit history.

2. Inaccurate and misleading information listed in my report. 3. Negative information and false entries that are not accurate. 4. Unknown addresses and accounts that have not been verified or confirmed with my signature and proof of identity.

5. Updated information that I did not approve, which I believe violates the FCRA.

6. Reporting of late payments that are illegal ; only current and on-time payments should be reported. 

As of XX/XX/XXXX, I have decided to seek legal counsel and pursue legal action due to these unresolved issues. I request that you only contact me regarding the correction of these errors and provide supporting evidence and documentation of the actions taken. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i was download a music video online, a sudden pop up with a # to call keeps on flashing on my laptop freezing my computer. call this # asap so i wont loose my info before the computer crash. XXXX help line XXXX when i call an agent answer gave me his ID # XXXX XXXX including his name XXXX XXXX XXXX he said my computer and my phone was hack, to call my bank and freeze my accounts. call me back when finish with the bank. when i call the bank to close my account, he told me i had XXXX withdrawal from my savings. from that point on i lost it. his name was XXXX XXXX his secured # to reach is XXXX don't worry he'll help to recover my money. that's how the wire scams started, tells you to keep it secret don't answer any question at the branch because they may be involved.that 's how i end up wire transfer XXXX to them. after, reporting to chase bank fraud claims. after 11 days into their investigation they told me, my case was denied because i initially wire the transfer. just like that $ XXXX gone.