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

I summit an inquiry dispute from XXXX with equifax on XXXX, i stated on my dispute that i want to remove inquiry from XXXX because i never apply for credit or even give my social, equifax disputed all my account on my credit and even when i noticed the remarks i contact equifax and tell them they disputed wrong accounts they told me they can cancel dispute after that XXXX  credit card account was closed and removed from my credit {$9600.00} limit XXXX balance and XXXX {$1000.00} limit XXXX balance closed and removed from my credit, my credit score went down more than 25 points, open accounts from 11 to 9 and credit limit from almost 30k to XXXX, i call equifax they dont resolve nothing this coat me time money, etc
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXXXXXX
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I never lived in these apartments I was still in high school during the time. I have contacted trellis park multiple times. This debt was sold against my knowledge This is identity theft
Product: Credit reporting or other personal consumer reports

i made numerous attempts to dispute and i requested inaccurate inquiries and outdated information on my credit file.i understand that the fcra protects consumers from abusive tactics to report information on credit reports. Experian is in violation of numerous consumer law violations such as 15 usc 1681b, c, and G.
Product: Mortgage

I sold my home secured by a mortgage held by freedom mortgage corporation on XXXX XX/XX/2021. I let two weeks go by and then started inquiring on my escrow refund of {$4400.00}. On XXXX XXXX, a full month after selling my home I called freedom mortgage and informed them that I had yet to receive the refund check. I was told that I would have to wait another four weeks before they could issue a stop check and re-issue a refund check. I finally received my escrow refund today XXXX XXXX, 2021. To have to wait over a full month for an escrow refund is unacceptable in my opinion. Additionally there was no sense of urgency On the part of the freedom mortgage customer service representatives. This has been a wholly unsatisfying experience and I believe freedom mortgage should be held accountable and not be allowed to treat consumers this way. Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed an unusual transaction on my Bank of America personal and business checking accounts. 
XX/XX/XXXX Personal Checking # XXXX - Offset payment to acct XXXX - {$230.00} XX/XX/XXXX Bussines Checkig # XXXX - Offset payment to acct XXXX - {$480.00} After contacting the bank they informed me that they offset the amount to pay the credit card balance and referred me to discuss the matter with the offset department. I requested immediate reversal of the funds because Bank of America made such an action without informing me and most important without my consent. 
The person helping me was very rude and referred to a contract or read it before signing something. When I asked to provide a contract she told me that I have to get it from bankofamerica.com or go to the local branch. ( I have a recording of the entire conversation ). It turned out the signed contract is missing from the bankofamerica.com website. I also went to the local branch to request the contract and the person helping me said that they do not provide contracts in the bank. It turned out I needed to make an appointment with the branch to request the contract. 
The bottom line, the bank refuses to reverse offset charges and refuses to provide signed contract.
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. 

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

15 U.S.C 1681 section 602 A states I have rights 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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

OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, Blockfi prevented withdrawal of ~ $ XXXX from my wallet account. Investor wallet ownership in cold storage are in my name in cold storage and can not be used to satisfy secured creditors if bankruptcy comes.
Product: Bank account or service

On XXXX, I had XXXX checks clear my account. XXXX for {$300.00} and the other for {$160.00}. On XXXX/XXXX/15 I transfered money from my other checking account to cover ATM transactions and some other Credit transactions. Please see the attached document, which clearly shows I had a posititve balance post on XXXX, yet they still are charging me {$35.00} for each check that cleared. The other credit transactions, along with my transfer has not even posted yet. I understand an authorization was placed for those credit transactions, however, if the balance was negative on XXXX after checks cleared, why did they authorize more transactions? Wells Fargo has a habit of back posting debits/checks if they see it will make your account go negative. I have experienced on more than XXXX occasion, yet they wait to credit deposits. I have XXXX separate checking accounts ( XXXX are mine and XXXX is my son 's ) I realize having XXXX accounts confused me on which acct I was using for those credit transactions, which is why I immediately transfered cash from my other account, which had more than sufficient to cover my transactions. As you will see from the attached document, it shows a positive balance of {$18.00} AFTER the checks were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened
Product: Mortgage

We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

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

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
Product: Money transfer, virtual currency, or money service

Their has been virtual cards that I dont have and like u.s.bank accounts that I never even opened need help with like my credit report being pulled up threw other agencies I never did and home mortgage opening under my name and wen I try to get my IRS tax I can not dew to these things I'm having so many issues please help thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX balance {$560.00}
Product: Credit card or prepaid card

I was applying for a bank loan and discovered that a credit card had been issued through Chase Bank ending in XXXX on XX/XX/XXXX using my social security number XXXX XXXX address, but the numerical portion of my street address is off by XXXX number ( the bank would not tell me the street address ). The card has a balance of {$4600.00} and the last payment was made in XX/XX/XXXX. I called Chase Bank and reported the fraud, asking that they cancel the card. I called all three credit reporting agencies reporting the fraud and placing a one year fraud alert. I want to find the neighbor who has done this, report them to the authorities and press charges. Most importantly I want to know that this person does not use my personal information for any additional fraudulent activity.
Product: Checking or savings account

XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. 
I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license Utility Bill
Product: Debt collection

I do not consent to XXXX verification and want an actual living human being to read this. I attempted to inform INDIGO about violating my federal consumer rights by the way they were attempting to collect a debt from me. INDIGO is clearly violating the Privacy Act of 1974 and 15 U.S. Code 1692b - Acquisition of location information. 15 U.S. Code 1692b - Acquisition of location information clearly states how you're violating me with your communication tactics while attempting to collect a debt from. I don't care about your company policy when it comes to the laws that govern companies and protects consumers from the illegal company tactics. Your company keep telling me to switch to paperless billing due to your violations. I will not switch to paperless, and I expect your company to collect a debt properly according to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES and not violate my consumer rights while attempting to collect a debt. I will Arbitrate if we can't resolve this situation that I have clear evidence of. This my 3rd letter notifying and trying to resolve this issue my next step is to file Arbitrating for the violations. You company could easily send a blank envelope with no logos that violate the laws that govern you when collecting a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX ,  XXXX , and Experian refuse to remove fraudulent inquiries from my credit report and I am attachin g two copies of their responses to this complaint along with yet ANOTHER polic e report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit reporting agency- Equifax has refused to correct my issue of fraudulent information, has inaccurately quoted what my request is ( i.e., stated that I would desire them to " block '' versus appropriately remove inaccurate, fraudulent, negative information from my credit profile ) and have violated my consumer rights as they have failed to investigate and provide proof of their investigation of the negative information reported on my credit profile ( i.e. 30-days under the Fair Credit Reporting Act- with limited exceptions which the reporting agency does not meet ).
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, Capital One closed my credit card account unexpectedly. At the time my account was closed, I had been a client with them for XXXX years. In that time, I had never missed or made a late credit card payment. Once my account was closed, Capital One made my entire balance of {$10000.00} due and my minimum payment amount increased. The amount was not a manageable amount for my financial situation, so I contacted customer service at XXXX on Monday, XX/XX/2023 and requested a payment arrangement. I was told that since my account was closed, they were not going to grant me any arrangements and the minimum amount would need to be paid. Then, on XX/XX/2023, I wrote the CEO ( XXXX XXXX ) by email and was contacted by his staff who also denied assisting me with a payment arrangement or credit reporting goodwill adjustment. 

Capital One reported a " 30 day late '' payment status in XXXX and a " 60 day late '' payment status in XXXX. These late payments are a direct violation to the FCRA consumer law 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ) which states that the consumer 's credit report is exempt from sharing payment experiences or transactions between the consumer and the creditor. Capital One is in direct violation of this law and refuses to change the payment experience they reported to XXXX, XXXX and XXXX.