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

I contacted XXXX XXXX XXXX about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX  found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with equifax and on or around XXXX/XXXX/19 the accounts was removed from equifax please see attached picture. On XXXX/XXXX/19 I checked my credit report and both accounts were back on equifax. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with equifax on XXXX/XXXX/19. The representative had no answer to why. I have asked XXXX XXXX to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law XXXX XXXX is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am have a XXXX  XXXX XXXX credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my XXXX  XXXX XXXX to discover bank, someone created discover bank account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to XXXX  XXXX XXXX now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now XXXX  XXXX XXXX is not helpful at all. When XXXX  XXXX XXXX need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted XXXX  XXXX XXXX XXXX right away when it was just in processing state [ if XXXX  XXXX XXXX have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so XXXX  XXXX XXXX is the only XXXX who need to resolve this as i am XXXX  XXXX XXXX customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my XXXX  XXXX XXXX credit card cash advance.
Product: Debt collection

In recently contacted DRS Debt Recovery Solutions LLC ( XXXX ) Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX regarding a debt that was placed for collection on my account. I spoke to a representative due to the fact that I have never received any notifications regarding this account and I have no idea where it came from. The representative stated they would not be able to go into detail regarding the origination of this account. they then went on to verify my information, upon doing so they noticed the address they had on file was incorrect. The representative stated that they would remove the collection from my account in order to give me time to respond to the debt and the information they would send. he also stated that he would mark the account in their system as disputed. The account was never removed and I never received the any information regarding this debt. i disputed this account through XXXX  and they did not remove it this is a direct violation of my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize
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. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or 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

Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Credit Report Information Dear XXXX XXXX I am writing to formally dispute certain information in my credit report, which I obtained from your agency. Please find the details of the items in question below : Disputed Item ( XXXX ) : XXXX. Credence Resource Management Discrepancy : Never opened or created such account, account info was not provided and removed by other credit bureaus. 

I kindly request that you investigate this matter and correct any inaccuracies in my credit report as soon as possible. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within XXXX  days. 

Please inform me of the outcome of your investigation and provide a revised copy of my credit report reflecting the corrections. 

Attached is documentation proving it was resolved but yet still remains on my credit report. I want this removed immediately! 

Thank you for your attention to this matter. Should you require any further information, please do not hesitate to contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Per the FCRA XXXX XXXX XXXX XXXX XXXX I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Aidvantage recalculated my repayment recently ( XX/XX/scrub> 2025 ) and more than doubled my monthly repayment from {$580.00} to {$1100.00} as of XX/XX/year>2025. This nearly {$1200.00} a month amount is unreasonable in light of my expenses and my ability to make such payments. In XX/XX/year>2025, Aidvantage directed me to pay {$610.00} which seemed more reasonable and achievable after I called and spoke with a representative ( XX/XX/year>2025 ) about my circumstances. The representative said that I could seek a recalculation on the website, but Im unable to locate any such information or link that allows that on Aidvantages website. The loan servicers actions seem deceptive and unlawful because they appear to give the impression that I would pay an amount that I was capable before they raise the amount to more than double what I was paying in the recent past.
Product: Mortgage

Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn. 
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount. 
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX. 
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date. 
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan! 
Their incompetence is beyond belief and is causing me undue stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a few hard inquiries on my credit report that I do not reconize.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit report contains several billing errors that I recently noticed. The late payments listed are incorrect given my usual payment record. Kindly correct this and update my account. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile, I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I received a response in mail by TransUnion XX/XX/XXXX stating the account was verified, but I did not received any documents to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd verification letter asking for complete list of all documents and correspondence with XXXX XXXX, including all names of employees that TransUnion spoke with as part of the investigation. I received the same letter that was sent out by TransUnion on XX/XX/XXXX stating the account was verified, again no documents showing this account belongs to me just another template letter. The account is still reflecting on my report and the account do not belong to me.I have whited out my information on the letters i sent and also whited out my file number from the verified template letter TransUnion sent and attached.
Product: Mortgage

Please be aware that we have read Mr. Cooper response to complaint # XXXX. We ask that time is allowed to have a housing counselor their legal department and our attorney advised us before signing documents we do not understand and did not agree with the terms, but have read the explanations behind them. Also be advised we do understand time is of the essence as this has gone on for many months, although the last hurricane ( Harvey ) played a role in this delay as well as reassessing our circumstances. As of today 's date, XX/XX/2018 an emergency called was placed to XXXX, a non profit agency working with consumers who are in a financial housing crisis to help collaborate with other housing agency and compare our situation with the modification we were approved for via Mr. Cooper. We expect to have this resolved in less than 10 days.
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 XXXX XXXX XXXX. 

XXXX  Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX has violated my rights 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: Debt collection

Upon reviewing my recent credit report, I noticed multiple accounts that seem inaccurate and were added without my consent.