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

New Information Being Submitted NOTE : THIS IS NOT A DUPLICATE I, XXXX XXXX, state that the following account is fraudulent. I have never lived at the address listed below. It is impossible for this account to be verified as mine because I am a victim of identity theft, and I have attached documentation to support this claim. 

I have never signed anything, provided my ID, spoken to anyone, or gone online to authorize this account. 

Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Fraudulent Account Details : Creditor XXXX XXXX  Account XXXX : XXXX Amount : {$1400.00} Credit Limit : {$350.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX
Product: Debt collection

I got involved with Freedom debt Relief and they were charging me high fees to settle debt so they said and at the time they settled nothing. They were sued in California for the same practices. I have never missed a payment in over two years and the majority of my money is going for fees high fees and when you call ask whats going on there is no reasonable answer. I really have no idea what they are doing with my money. in two years I have paid them over XXXX XXXX dollars. I had a debt with XXXX and I was faithfully paying and in two years time they did not give them two dollars which I knew nothing about until I had a police officer serving me papers to appear in court. I was told by Freedom debt that they hold off paying these debts in order to get a better settlement which is crazy. I would have been angry if I was XXXX I do and continue to this day to try and pay my debt I made a mistake getting involved with this company, this is the same thing they did in California. I should have dealt with my creditors directly and I tried but now its too late. I know I have a case her I just need help from you.
Product: Debt collection

This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. 
Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.
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 XXXX XXXX Account Number : XXXX and 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: Checking or savings account

Wellsfargo Bank stop my deposit checks from Social Security and SSI clamming they dont have information Im USA or resident information after 50 years as customer from the same bank, I fell XXXX from then.
Product: Debt collection

I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company. 

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on. 
It should be retrieved from all reports immediately. 
I never saw such a thing ; I'm asking myself if It is just discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Product: Mortgage

I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.
Product: Mortgage

In XX/XX/XXXX I applied for an FHA rate/term refinance with Nations Lending. I was presented with a final loan estimate and they were charging {$14000.00} in fees! My new loan amount was higher than my original loan amount. I purchased the home in XXXX. I refused to sign the docs, the loan officer tried to explain how the fees were normal and I felt very taken advantage of. I just wanted to lower my payment a little so it was more manageable and I had even explained to the LO XXXX XXXX my intent was to sell the home within a couple of years. I'm not sure how this loan could have even come close to passing net tangible benefit because how could losing {$14000.00} be a benefit? I wouldn't recoup that loss for years. 
In late XXXX I contacted my own servicer, XXXX XXXX XXXX. They were able to do an FHA streamline rate/term refinance, it cost me {$53.00} to close and only raised by loan amount to {$220000.00} as opposed to {$230000.00}. They saved me the same, if not a little more, money per month and I am very satisfied. 

I think Nations Lending is corrupt and take advantage of people.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct an inaccurately reported late open account on my credit report and to remove a late closed account and public record. Despite my diligent efforts to rectify these errors, they persist on my credit report, causing significant harm to my financial standing and overall well-being. 

Below, I outline the specific details of the inaccuracies and the numerous attempts I have made to address them : I have diligently followed the established procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute these inaccuracies. I have provided all necessary documentation to support my claims, and I have made multiple efforts to correct these errors. However, my previous attempts have been unsuccessful, and these inaccuracies continue to negatively impact my creditworthiness and financial opportunities. 

I kindly request that you conduct a thorough and comprehensive investigation into these matters. Specifically, I request the following actions : Promptly correct the late open account by updating it to accurately reflect my payment history. 
Remove the inaccurately reported late closed account and public record from my credit report. 
I am willing to cooperate fully and provide any additional information required to resolve these issues promptly. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the correction of the late open account and the removal of the late closed account and public record. I am asking for your assistance for correcting the late open account and removing the late closed and public record : XXXX  XXXX XXXX Balance Owed : {$390.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX  XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX, XXXX : # XXXX {$3100.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX, XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Product: Credit reporting or other personal consumer reports

I sent a formal request to Opt Out of all Late Payment, Negative Remarks, Credit Use or Utilization to the CEO of Transunion in XXXX of 2023. 
I have not received any acknowledgements since then and it is hindering me from obtaining new credit due to them violating my rights to privacy as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, CHILD SUPPORT XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

This company placed a bet on my credit file without giving me any written notification at all. Not only that when they responded to my initial complaint with you, they published an address. An address I didnt even provide to you that violates the FDCPA and giving out personal information. Cant wait for an attorney to get a look at that one. Now my settlement offer to them as of now {$2000.00}. I get an attorney theyre gon na pay more than that in attorneys fees.
Product: Vehicle loan or lease

Navy Federal Credit Union Apparently sent notice to reposess back in XXXX. I never received according to repossessions. They said it's sufficient for the XXXX resposession. 
No further notice sent kept paying enough to avoid repossession. 
Decides to reposess after I have already paid this month of XXXX $ XX/XX/XXXX after a reverted transaction. 
I pay any outstanding balance hours of resposession and immediately after learning what happened. 
Leaves a XXXX veterans stranded without XXXX XXXX  Begged for access to my critical medication over the phone. 
Under XXXX XXXX have to report to the XXXX XXXX and am late on critical medication Uses a company XXXX XXXX XXXX which is a company that regularly steals out of customer vehicles and breaks into locked vehicles within their possession within XXXX hours of repossession. 
This company regularly breaks GA law with a pattern. This is the company NFCU decided to go with. 
Then asks me to pay an additional XXXX $ after I have already paid to drop off cash at a Navy Federal branch office. 
Contacts supervisor of resposession XXXX, who said she is the final authority in their department even after requesting other help says there is no remedy and that the notice in XXXX is sufficient enough. 
No care for veterans. NFCU bills itself as a veteran first company where members are the mission. 

XXXX XXXX to a NFCU member of almost a decade and previous car loan paid through NFCU. Company used regularly violated the law and their actions have put my personal possessions in jeopardy. 

Navy Federal kicks veterans when they are down. Your fees are double to triple the state average for a resposession. You contract with companies that steal and commit unlawful business practices in GA. I was deprived of critical medication with no proper notice. 

The damage has been done to me and my family. 

Notice of resposession more than 6 months back is not friendly or sufficient. Especially to XXXX veterans. I paid within hours of being aware of the intent / act of resposession. 

Cease contracts with ill reputed companies. 

Your repossession department is difficult to contact even NFCU employees have difficulty reaching them. 

The fees are predatory. XXXX $ and taking a chance with my personal goods, valuables and medication in the car is depressing. 

I go to a NFCU after talking with their XXXX department they don't answer the staff there such as XXXX at NFCU XXXX XXXX XXXX XXXX XXXX XXXX. 

They have difficulty contacting their repossession department causing delay to get the predatory XXXX $ paid so I can get access to my belongings and medication. 

" Members are the mission. '' XXXX XXXX Navy Federal. 

XXXX
Product: Credit reporting

On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX XXXX The information reported by XXXX, Equifax, and XXXX reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX  account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : Equifax inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX  and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX XXXX, Equifax, and XXXX to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.
Product: Mortgage

Mortgage Servicer Transferred to Specialized Loan Servicing, effective XX/XX/XXXX. The XX/XX/XXXX payment had already been made to, and deposited by, the previous loan servicer. I provided Specialized Loan Servicing with proof that the previous servicer had sent them the XXXX payment. The proof is a copy of the previous servicer deposited check, and their Wire sent to Specialized Loan Servicing on XX/XX/XXXX. 
I have also spoken to several of their lower level customer service representatives who are not able to help in any way, just place their daily harassment calls. Those calls are supposedly recorded. 
Specialized Loan Servicing states they are looking into it, but in the meantime, when I paid my XXXX payment, they applied it to XXXX, and as of XX/XX/XXXX have already started making collection calls asking where my XXXX payment is.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Mortgage

OCWEN now PHH refuses to process application stating missing documentation. The application specifically states what documentation is required of which was sent in with the application. Thye have delayed and wasted time by not processing based on receiving all required documentation in accordance to exactly what the application states as needed. Now I must resubmit documentation and application based on their delays and refusal to follow comliance laws based on expiring. 

In the early process an actual phone call had a person directly lie to me over the phone telling me " they have the entire application and were waiting on an amnswer ''. This is a continuation of previous complaint which still is not resolved. I will now have to pay additional costs to retain an attorney to sue OCWEN now PHH. 

Attached is the page stating required documentation. I have had an increase in Housing related expenses which requires no additional documentation. I was kind enough to add 2 paystubs with the original application. they are insisting on additional documentation including unobtainable documentation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a boat via flag star bank- I set up automatic payment drafts through the online portal- I did not realize that they were not debiting the account until after it was pass due- my husband spoke with and asked them to remove the late flag-
Product: Debt collection

Equifax and XXXX and XXXX have a XXXX XXXX account for XXXX not mine a XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX inquires on my reports that are not mine please remove from credit reports
Product: Debt collection

TRANSWORLD SYSTEMS appeared on my credit this debt is not mine. looks like I am a victims of fraud or Identity theft. I have no knowledge of this account
Product: Debt collection

Hello, I am writing to dispute a collection reflecting on my credit report.

Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently.

I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this.

I would like to request this debt to be Removed from my credit report.

Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX