23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have called me multiple times and left multiple voice mails for " XXXX XXXX ''. I am not XXXX XXXX and I have had my phone number for many years! I also owe no medical debt. I have called them 4 times to let them know I am not XXXX XXXX and to quit calling me. They continue to tell me they will not call me anymore, but I continue to get phone calls from them.
Product: Mortgage

My name is XXXX XXXX, and I work for XXXX XXXX XXXX XXXX. We are handling the title and escrow for the sale of XXXX property. XXXX gave me signed authorization to obtain their 1st and 2nd mortgage payoffs with Chase. I spoke to 3 different people at Chase on XXXX XXXX, 2017, in their 1st and 2nd mortgage departments. They all gave me the same fax number to submit my request for payoff and told me that the turn around time was 5-7 business days. I waited the full 7 days and called to check on my request. They told me that they did not have any record of my requests, and that they did n't show that fax number anywhere in the system. I have fax confirmations showing my faxes went through, yet they are saying my faxes were n't received. They 're also telling me that I now have to wait the 5-7 business days again. This is not acceptable. The customer is trying to sell their home and this will hold it up.
Product: Mortgage

I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!
Product: Debt collection

I have found these fraudulent accounts on my credit reports and I have no knowledge whatsoever of these and they do no belong to me and this has caused me great XXXX  and XXXX  and having the collectors keep pushing to try and collect money for something that is not mine and I never opened.
Product: Credit reporting or other personal consumer reports

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.
Product: Credit reporting

Equifax continues to keep allowing incorrect collection accounts on my credit report that have been previously deleted multiple times. When I dispute the collection accounts Equifax states accounts were verified which is not possible because they are not mine. When I contacted Equifax by phone they will not explain how the collection accounts were verified to be my responsibility or what information the company provided to verify them except my name and address. I explained to Equifax anyone can get my name and address because they list it on my credit report. This credit reporting company ( Equifax ) needs to be sued for their lack of investigation and reporting false information on people 's credit report that damages people 's credit rating. I have had the same listed collection accounts in my Equifax report number ( XXXX ) deleted from other credit reporting agencies because the company knows they are not my accounts. These credit reporting companies need to be held accountable for the damage they are creating by their lack of investigation efforts when investigating for consumers. Equifax automatically rule 's against the consumer because they are being paid by the collection companies to keep this false information on the consumers credit reports. I have asked Equifax and the companies listed in my collection investigations to provide me with a contract or a document with my signature showing I have any responsibility to pay any collection accounts I have disputed. Equifax and the companies both have failed to provide me with any proof I owe the amount requested or any other amount they show in collections on my credit report. I demand this matter be taken seriously by Equifax and the false collection information deleted immediately.
Product: Credit reporting

One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.
Product: Debt collection

This creditor is not licensed to collect debt in New York State and it is illegal for them to attempt to do so without a license from the state of New York. I also do not own this debt as I never lived at the residence in which they say the debt incurred.This creditor has not responded to requests to dispute. I have disputed with the credit bureaus, but it seriously damaging my credit report. I want to buy a house and such, but this collection is prohibiting me from being able to do so.
Product: Credit card

I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a ticket online for an employee using my miles using XXXX miles on capital one. The persons last name was accidentally spelt XXXX instead of XXXX. The only way to resolve the issue was to rebooking the ticket using my credit card and the supervisor XXXX kept making excuses as to why they couldn't change the name from a XXXX to a XXXX. If I rebooked the ticket, I wouldn't be getting my miles back, which it took over {$15000.00} dollars to get those miles. I called XXXX XXXX and they couldn't do it but needed a waiver form from Capital one which was evident that they did not want to do it. 
I am appalled and saddened about how the situation is handled.
Product: Debt collection

Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please help!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing two accounts related to XXXX XXXX XXXX  that are inaccurately being reported on my credit file by XXXX and Equifax. The details of the accounts are : Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, with a high balance of {$1100.00}. 
Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, showing no balance and marked as " paid and closed. '' These accounts have been fully resolved for years and no longer represent current obligations. Despite this, they continue to appear on my credit report and negatively impact my credit profile. Their reporting does not reflect relevance or timeliness, which violates the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed these accounts with XXXX and Equifax but have not received any resolution. Both accounts are beyond their practical relevance for my creditworthiness, and I am requesting their immediate removal.
Product: Debt collection

I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
Product: Checking or savings account

XX/XX/XXXX : I attempted to transfer {$100000.00} from XXXX to a US Bank checking account to be prepared to pay my tax bill. I accidentally transferred in the wrong direction. 

XX/XX/XXXX : I called XXXX, and they conferenced in US Bank to clear up the issue. US Bank informed me that the account had been closed due to fraud. We discussed my mistake, and they assured me that the account issues would be resolved, and I would have access to my bank account again the next day. I ran the correct transaction to return to transfer {$100000.00} back to US Bank. When the account wasnt reopened, I gave them the benefit of the doubt, and waited over the weekend to see if it would be reopened on Monday. 

XX/XX/XXXX : Another {$100000.00} was returned from XXXX to US Bank as part of the ACH Insufficient funds that was originally attempted. At this point, {$100000.00} has correctly moved to the US Bank account to pay for taxes. At this point my account is still closed. 

XX/XX/XXXX : I called US Bank again to see why my account was still closed. They told me there was nothing they could do - it was flagged for fraud ( presumably due to my original mistake ) - and that the funds in the account would be returned either to XXXX or mailed to me as a check. 

I received a letter from US Bank, now stating that my money would be returned within 15 business days of the account being closed. In the meantime, another {$12000.00} was deposited to the account, as part of my NY State XXXX  tax return. 

XXXX : It has now been 16 business days since I lost access to my account. I call and ask the status of my funds. They state that its in the hands of the fraud department, who can only be reached by email, and they have no estimate how long it will take to get my funds returned. They tell me they will email the fraud dept, and to try calling again next week. 

XXXX : I call again at their direction. The new rep states the same : its in the hands of the fraud department. They have no idea when I will regain access to my funds.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Mortgage

We have a been working on this file since XXXX/XXXX/15 as a short sale there was an appraisal that was done via Rushmore bank and there was an offer to meet the min net per the appraisal. Rushmore denied the offer and stated that they will only allow a DIL as the payoff is XXXX however the unpaid principle balance is XXXX. We have tried to reach out to the investor on the loan and have had no response except to call Rushmore. Please help us to get this bank to allow a short sale. I feel like they are setting us up to foreclose.
Product: Debt collection

I requested that this company remove the fraud account from my credit report. They have reply by staying they have no knowledge of the account I have enclosed a copy of my credit report. 
I Have enclosed a copy of my Credit report identity theft report the letter I sent to this copy certified back in XXXX asking them to remove this account and the certified mail receipt staying they got it.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 aN 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: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries 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
Product: Credit reporting or other personal consumer reports

On XXXX I went to XXXX to get my XXXX XXXX. I noticed that there were several ( XXXX ) soft inquiries from various companies. I then went to each XXXX XXXX individually to see my XXXX XXXX. As of XXXX my XXXX XXXX with XXXX, XXXX and Experian were XXXX, XXXX, and XXXX, respectively. I then proceeded to pull my XXXX XXXX again at each reporting agency. I noticed on Experian that there were XXXX inquiries from Experian on my Experian credit report. On XXXX I called Experian XXXX and spoke to a rep named XXXX, who told me my XXXX XXXX was XXXX and he asked me if I knew what could be causing it. I asked him why Experian made so many soft inquiries on my report. It's obvious the soft inquires were causing my XXXX with Experian to be much lower. At that moment XXXX hung up on me. I'm not for certain I was talking to Experian, but he identified himself as a rep from Experian.
Product: Mortgage

My original complaint  XXXX  about VILLAGE CAPITAL & INVESTMENT LLC. I have not been able to connect to my original complaint, but did talk to your CFPB customer service people by phone yesterday and was provided with the info about the response.     I am still not satisfied with the response from  Village Capital. M y issue is that  XXXX   XXXX  provided me with a detailed outline of the process highlighting  10 progra m details.     I provided a copy of  XXXX   XXXX  's notes, as an attachment showing the last bullet item as  " No Credit Check ''. Now there is a second  issue in that  XXXX   XXXX   XXXX  did not provide us with an " authorization '' form before he left, he then sent us an e-mail and asked that we sign the forgotten agreement and e-mail back to him. I did not see any thing stating that we agreed to a credit chec k. One other  issue here is what he presented as far as the relationship to an ARM was that it does n't have the risks associated with an A RM. See Bullet # 5. Ove rall I felt betrayed and lied to by  XXXX   XXXX   XXXX  as the potential risk associated with this ARM program appeared to me to be extremely risky.     I had also told  XXXX   XXXX  before we agreed to anything that I refuse to deal wit h Village Capital & Investment.   XXXX   XXXX  assured me tha t Village Capital wa s just doing the paperwork for   XXXX   XXXX  , but did add that    XXXX   XXXX   typica lly sells their accounts. As the contract I received a week later clearly showed that I was contracting w ith Village Capital, which I adamantly was opposed to.      The last issue is that once I cancelled I was given the names  of Village Capital & Investment  people to contact to resolve this issue. I called both and have yet to hear from either person. This i s one of the iss ues that prompted me to file a complaint, as well as horrible customer service and providing faulty and deceitful information.     The individuals that I was told to contact by  XXXX   XXXX   ( GA Mgr. )   with    XXXX   XXXX   are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Now I would appreciate you following up with me because I will continue to pursue this until I am satisfied tha t Village Capital & Investment removes their Hard Inquiry off of my, and my wife 's Credit Bureau Report. The  credit Bureau  ( s ) assured m e that you could remove the hard inquires, therefore I expect you to execute that demand.
Product: Debt collection

I went to file my 2020 taxes and it was already filled fraudulently. I reported all information to the irs and now Im following up with your business per IRS. I have disputed all collections that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the federal fair credit reporting act. The following hard credit inquiry needs to be removed from my credit report. Due to the fact it's over the two year mark XXXX XXXX Inquiry from XX/XX/XXXX 2019
Product: Mortgage

I am a XXXX XXXX  disabled XXXX veteran. Due to this status, I am exempt from state and county property taxes. When financing my mortgage payment, calculations were computed assuming that I would NOT be paying escrowed property taxes. 

My mortgage servicing company has been withholding taxes in escrow since I bought my house in XX/XX/2022. I contacted my mortgage servicing firm XX/XX/2022 with the required documentation to demonstrate my permanent exemption. XXXX continued to escrow taxes, and my payment didn't go down. 

Originally, XXXX told me that I should expect a refund within XXXX business days. I called in XXXX, and I was told that it might take a bit longer. I called in XXXX, and they said that I had to request that I receive a refund from my county, because some of the funds were already transferred to the county, and that they were unable to not charge me escrowed taxes, but they would refund the other funds they had escrowed that weren't sent to the state 'yet. ' XXXX continued to extract escrowed taxes for all of 2022, but promised to send me a check " the first week of XXXX. '' Now, XXXX is saying that they " can't '' provide a refund for ANY of the escrowed taxes, and that they are planning to continue to escrow taxes in the future, because the state 's documentation " doesn't work for them. ''
Product: Credit reporting or other personal consumer reports

I have informed Experian multiple times that the XXXX account that they are reporting was fraudulently obtained and that it was not I who initiated that account. I have also contacted XXXX in regards to that identity theft, to no avail, they still insist on harassing me with bill collectors. i also did not give XXXX permission to report anything to any credit reporting agency per 15 USC 6802, as well as 15 USC 6801 and 15 USC 1681. I have also written multiple cease and desist letters to both XXXX and Experian, to no avail.The date that this unauthorized account was opened was XX/XX/year>, with a collections amount of {$310.00}. I have also made request to both companies that i am exercising to opt out per 15 USC 6802.
Product: Debt collection

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2021 Balance : XXXX Reason : Identity theft Please remove it from my credit report