23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inquiries that I did not authorize. 
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: Mortgage

Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! 

The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. 

They still will not respond!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian several time that this account : XXXX XXXX XXXX XXXX ( closed ) for {$24000.00}, is NOT mine. XXXX XXXX got it and put my information to co-sign without my permission. You guys have even removed it before then put it back on. Please remove this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have an Complaint filed to your complaint services starting back in XXXX of 2019 under my email address of XXXX .My name is Mr XXXX XXXX XXXX XXXX I also had XXXX XXXX  Ultimate Protect Package with All Three Credit Buruea ' s can I Have My Complaint add To the Eqafex settlement. Claim number # XXXX I also had added a Credit Freeze to my Identity in XXXX of 2019 with XXXX  and Had to close my Account in XXXX of 2019 because of Withdrawal From my Bank Account that Was Taken because of Data Errors.
Product: Payday loan, title loan, or personal loan

I wasnt getting unemployment for a couple months so I had them do a forbearance on the loan. When I finally started getting paid from unemployment I took the loan out of forbearance and then unemployment went to a new system at the beginning of XXXX and I havent got a check since then and were nearing the end of XXXX. 3 months or so without any money coming in and I called about doing another forbearance and they said since I already had one this year, I cant do another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working and seriously monitoring my credit now for a few months. My first letters to all the bureaus were sent out back in XX/XX/XXXX. Anyways this last time I sent out letters to Experian and XXXX, I received no responses back. I've even sent copies of non-complaint proof on the collection agencies behalf. This was on XX/XX/XXXX sent via certified mail with tracking. The issues of concern are : XXXX XXXX -Reported under several duplicate accounts. Theyve yet to validate theyre claims that this account does indeed belong to me. Also, this is an attempt to collect under another company that was removed a few months back. Ive sent them letters also and theyve yet to respond. 

XXXX XXXX -They failed to provide accurate validation of debt. I have yet to receive anything. Please provide accurate valid proof or DELETE for improper reporting. 

XXXX XXXX XXXX - No validation established. Deleted by other credit bureaus. Please remove inaccurate account from my credit profile. 

XXXX XXXX XXXX XXXX -This account is reporting inaccurately. Please correct or delete for inaccurate reporting. 

XXXX  addressed some concerns but XXXX and Experian has ignored me. I have rights as a consumer and refuse to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Bank account or service

Received the attached letters from FN regarding a check that they debited checking account for {$800.00} due to the check being only for XXXX I verified with my back ( also attached XXXX file and copy of check that the check clearly paid for {$800.00}. I immediately called FN on XXXX ( appx. XXXX ) to report and dispute, I was told that someone will call me back the next day. No one did! On XXXX appx. XXXX I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for {$800.00}, and even if the check was for {$80.00} I should have been debited on XXXX I explained to both of the reps that I do n't have credit for the {$80.00} if that was in fact true. I personally do n't think either rep understood. As I looked closer to the documents they sent - I realized another account information in included XXXX - no image of check is included only a deposit ticket. Personally I feel that this it could be another deposit or it 's the batch ticket. In any event I do n't think I should be in receipt of it.
Product: Mortgage

The company has incorrectly reported late payments for months of XXXX, XXXX, XX/XX/2018 even though the payments were done on time. The company claims there was no payment in XX/XX/2018, and so the XXXX payment was credited to XXXX, XXXX payment to XXXX, XXXX payment to XXXX, and so on. I have shown my bank statement as proof of mortgage payment and cash transfer to XXXX XXXX, the mortgage transferee. The company has ignored this proof and claims XXXX has no record of the payment.
Product: Credit reporting or other personal consumer reports

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've mailed and sent several reports ( which are all being documented ) about these issues on my credit report. They haven't been resolved or investigated. My next steps will be to pursue litigation and seek rewards.
Product: Debt collection

I am writing to file a complaint regarding a frustrating experience I have had with a debt collector and subsequent collection agency. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDPCA ). Allow me to provide you with the details of the situation. 

On XX/XX/, I received a summons from XXXX XXXX XXXX XXXX XXXX XXXX c/o Dunlap Gardiner LLP , claiming that I owed a certain amount of {$4000.00}. In response, I promptly answered with an affidavit to validate the validity and accuracy of the alleged debt. 

To my surprise, Dunlap Gardiner then responded dated XXXX XXXX XXXX with statements containing different amounts owed- {$4600.00}, which was contradictory and inconsistent with their initial claim. This inconsistency raised concerns about their adherence to accurate record keeping and transparency. 

In an attempt to clarify the conflicting information and dispute the alleged debt, I sent a formal dispute via certified mail with return receipt, requesting an explanation and validation of the debt. I believe I was exercising my rights under the FDCPA by seeking to verify the debt claim and ensure that I am not falsely held accountable for an incorrect or fraudulent debt. 

However, dated XXXX XXXX XXXX, I received a collection letter from a separate collection agency XXXX XXXX. This letter claimed that I owed the same alleged debt, but in the amount of {$8800.00}. This occurrence further adds to my distress and suggests that XXXX XXXX XXXX XXXX may not have provided accurate information to the subsequent agency, or they added extra fees. 

Furthermore, on XXXX XXXX XXXX  I went to my court trail and Dunlap Gardiner the attorney asked the court for a motion of continuous because it was brought to his attention that XXXX XXXX was attempting to collect for the same alleged debt. I am currently waiting for our next hearing ; however XXXX XXXX 30-day time frame is up on disputed debt. 

I am deeply concerned about the potential violations of my consumer rights, as both parties failed to provide consistent, accurate, and transparent information. These actions only serve to confuse and mislead me, causing unnecessary stress and concern. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that these debt collection practices comply with the FDCPA and other relevant consumer protection laws. Additionally, I would appreciate appropriate action being taken against all parties involved, for their misleading, inconsistent, and potentially deceptive conduct. 

Thank you for your attention to this matter. I hope that this complaint leads to a fair resolution, upholding the principles of consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a closed paid account in the collections section of reporting. These two accounts should be a closed paid account not collections. My lender noticed this and said I need to have this removed and either deleted or put in paid closed
Product: Mortgage

The mortgage company ( MrCooper ) failed to pay ( posted the payment late on a Friday for a policy expiring Sunday at XXXX AM, and it did not make it in time ) the XXXX XXXX in time and the policy elapsed. I had to jump in and pay to prevent the policy cancellation. I contacted MrCooper a week ago asking them to correct the amount and brought to their attention the insurance payment due date. I acknowledged the reception of my email. 

MrCooper purchased the loan from XXXX XXXX  last year and thay assure that all the information is updated and there no specific action from my side. Today I came to know that the Insurance company still has the old Mortgage company information. There is a serious flaw in this whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by [ Credit Bureau Name ] XXXX The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

Therefore, I respectfully request that you intervene and compel [ Credit Bureau Name ] to delete the inaccurate items from my credit report without further delay. Failure to take appropriate action to correct these inaccuracies would constitute a continuing violation of the FCRA and could result in further legal action. 

I have enclosed copies of the investigation results and any supporting documentation for your reference. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Product: Credit reporting

Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX Bank, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

ON XX/XX/2022 SEND XXXX, XXXX, AND XXXX DOCUMENTS REGARDING FRUDULANT ACTIVITY ON MY CREDIT REPORT. ALSO CONTACT CAPITAL ONE ACCOUNT AND THEY TOLD ME HAVE NO PROOF OF AUTHORIZING CREDIT CARD ACCOUNT. ASK THEM TO VERIFY ACCOUNT IN WRITING HAVE YET TO RESPOND. CAPITAL ONE AND CREDIT BUREARUS. PLEASE ASSIST
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Loan Under 34 C.F.R. Section 685.215 Dear CFPB I am writing to formally dispute the certification of my student loan under 34 C.F.R. Section 685.215, also known as the False Certification Discharge. I believe that my loan was certified under false pretenses, and as such, I am requesting that my loan be discharged according to the provisions outlined in this regulation. 
Below are the details of the disputed loan : Loan Account Number : XXXX Date of Loan Certification : XX/XX/2006 School Name : XXXX Reason for Dispute : According to 34 C.F.R. Section 685.215, a borrower is entitled to a discharge of their student loan if the school falsely certified their eligibility for the loan. I believe that my loan falls under this category for the following reasons : No knowledge of this loan I request that you investigate this matter promptly and provide me with written confirmation that the loan will be discharged as per the regulations. If additional documentation or information is required, please notify me immediately. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive complain and complied with Equifax every request and we came to an agreement and after taking my documents into consideration they removed the account XXXX, for {$5300.00} which is a fraudulent account on my credit report which was removed and blocked but its now back on my credit report and no one can tell me nothing or want to remove it again. I keep getting people with accents and escalated to someone else then to someone else then eventually they hang up in my face leaving me to call over and over just to have this one account removed and blocked permanently.
Product: Student loan

I have met the requirements of XXXX payments to qualify for loan forgiveness through the XXXX program. I submitted my for to Mohela on XX/XX/. I was informed it can take up to 30 days to process. It has now been more than 30 business days and the form is still processing. This process has delayed my forgiveness as payments start to resume. 

Mohela 's response via message : XXXX XXXX XXXX XXXX XXXX ( click to open ) : Received Date : XXXX XXXX XXXX Body : Your Question : Hello- I have reached XXXX payments to qualify for XXXX. My form was submitted with esign on XXXX which is still processing days later! Why has this not been updated to reflect XXXX payments so that i can be submitted to XXXX for final approval? Should I submit a manual signed form? These were processed much quicker? 

MOHELA 's Response : Thank you for contacting MOHELA, We received your Public Service Loan Forgiveness ( PSLF ) applications on XX/XX/2023 and XX/XX/2023. Please allow 30 business days for processing. You will be sent notification after the processing is complete. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX  XXXX 

Thank you, MOHELA Phone XXXX Fax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX T-W, and XXXX TR-F. XXXX. XXXX XXXX XXXX, XXXX, MO XXXX. This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. California residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

If you do not want to receive future information of this nature, please unsubscribe or contact customer service at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

my account XXXX with XXXX XXXX XXXX  was back in XX/XX/year>. the car was totaled out in a car wreck and my insurance company national general paid the car loan off in full. i was told that the payment was sent to XXXX XXXX XXXX but somehow it resulted in a late payment derogatory being placed on my consumer report. i was not notified about a payment that was due i was told that the car was paid on time. on my consumer report it says that i have a late payment for XXXX but i have a signed check from my insurance company showing that the payment was sent in XXXX and my gap was covered shortly after also i have a written letter from XXXX XXXX XXXX stating that i am in good standing with them. i would like the removal of this late payment and this account immediately for i did not authorize or ask for any of this to be reported on my consumer report.
Product: Debt collection

Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.