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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. 

Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. 

I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. 
I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. 

An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility.

I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have taken all appropriate measures as well as reaching out to all of the credit bureaus making them aware and also placing freeze holds on them. I have filed multiple reports with all of the sources, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 accounts I have to attempt to resolve. My business has also been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed {$8100.00} on my XXXX bank credit card which I paid off to XXXX balance. As a result of this payment, TransUnion dropped my credit score by XXXX points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.
Product: Debt collection

I never received notification of the debt. After receiving circular ads and law firm advertisements I followed up and was made aware of suit. Yet, I responded to see who was Midland/ XXXX XXXX XXXX in dispute of the allegations. I'm scheduled for mediation. I have received what's described to be a validation. These documents have affidavits of individuals that I'm uncertain are real and that they are authentic. Since this company has been sued I'm asking for assistance that you would investigate XXXX XXXX XXXX and or XXXX XXXX XXXX in view of these cases. Thank you
Product: Debt collection

I requested a debt validation letter from XXXX XXXXXXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.
Product: Credit reporting

Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX/XX/XXXX ... ..last reported XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

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

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ; XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or deleted immediately for they are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

With the new XXXX Tax Law I considered paying off my mortgage due to fact that my Standard Deduction will double. A {$50000.00} principal payment was made on XX/XX/XXXX. This payment was made via check from XXXX XXXX to Ditech Financial LLC ( " Ditech '' ) XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XX/XX/XXXX. Ditech cashed my check on XX/XX/XXXX. The allocation of the principal & interest was not processed until XX/XX/XXXX. I have tried to resolve this issue with Ditech since my first phone call to Ditech on XX/XX/XXXX. After this initial call I have had 9 additional correspondence with Ditech. The last call made XX/XX/XXXX to Customer Service said I wouldn't receive an answer until possibly the end of the month. Each call to Ditech never initiated a return call the rep mentioned and/or promised. I always had to call back and talk to someone different and review the entire scenario all over again. My wish and/or request is to simply apply what principal amount I have coming and that has yet to be completed.
Product: Debt collection

On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters disputing fraudulent accounts on my credit report. I never receive any response from the bureaus for 4 months now.
Product: Credit reporting or other personal consumer reports

Someone stole my identity at XXXX XXXX  and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.
Product: Credit reporting or other personal consumer reports

Id theft victim. The following accounts do not belong to me XXXX 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

I received a fraud alert from a monitoring service and was told to contact all three credit reporting companies and put in a fraud alert and freeze. When trying to contact experian, their website states that my attempts to create an account had to be verified. Neither the email or cell verification process worked and the website told me to call a phone number at experien that led to a phone tree with no options for my problem and that refused to process any other issues. I have been unable to create the experian account I need for the fraud alert and freeze and none of the experian communications options lead to any option for helping with this. So I can not create the freeze or alert.
Product: Checking or savings account

I have a Bank of America checking account and also a Bank of America credit card. As my payment is coming due I attempted to use their online banking system to transfer my payment from my checking account to my credit card, as well as set up auto pay. I was unable to set up either transaction via online banking so I called their XXXX number. After an hour I'd spoken with XXXX different Bank of America representatives, XXXX of whom XXXX  me ( referring to me as 'XXXX  ' ), but the majority of that time was spent listening to hold music. The XXXX  associate from their technical support team confirmed that the problem was with their website, but I was then transferred to a XXXX  associate who was going to send me some " helpful links '' to resolve my issue. These links were, in fact, tutorials for the system that we already confirmed to be broken.In the end I was able to process a one-time payment. I was not able to set up automatic payments and can not do so as their website remains broken. I did not appreciate the dismissive tone of the XXXX  associate, nor did I appreciate the XXXX  from multiple associates with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed letters to XXXX, XXXX  and Transunion disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}
Product: Mortgage

NATNS DIRET is attempting to foreclose on my property but they have no authority to initiate such legal proceedings. The contract was transferred to NATNS DIRET as the servicer but servicer have no rights to collect. Servicer hold the loan. Is NATNS DIRET alleging they do not have to follow federal law.

servicer ( 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).

Source 12 USC 2605 ( i ) ( 2 )
Product: Checking or savings account

Beginning in XX/XX/2023, my account was hit with numerous fraudulent transactions ( as indicated in the provided spreadsheet. ) I attempted to submit fraudulent transaction claims online but the system does not allow you to submit any type of online claim. I then called in ( as indicated by the online system ) and explained that I was receiving unexplained credits and debits to my account. I requested assistance in getting these debits and transactions to stop. Unfortunately, the bank failed to take necessary action. There have been a number of companies involved in this issue, including XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Prior to XX/XX/2023, I had never had any issues with these companies. At this point, the moment I deposit funds into my checking account, it is immediately debited. I asked Huntington to close this account and open a new one since they do not appear to have taken any action to prevent these companies from debiting money from my account and they have refused. They also refuse to stop the unauthorized transactions on my account. I tried to open a checking account at another bank and was denied, thanks to the severe credit impact caused by Huntington 's negligence. I have been unable to pay my credit cards because I need a checking account in order to make payments. At this point, my credit has been destroyed and I am forced to use cash.
Product: Credit reporting

I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ...
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified several inaccuracies related to personal information, specifically incorrect addresses and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting

Experian refuses to conduct their own proper investigation and to honor a District Court order ( XXXX District court, XXXX XXXX Mi. XXXX ) directing the deletion of XXXX charge-off 's from XXXX XXXX BXXXXnk XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 

However, Experian refuses to honor the court order. Here is the latest dispute letter I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
Additionally, I have Provided Experian with the case number, Court phone number to verify the terms of the settlement. but they have refused to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my report.
Product: Mortgage

I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently open several disputes with Equifax. Most of them are finish, the problem is I haven't been able to see the results for any of them. Equifax has been sending me emails stating to see the results to go online but for some reason EQUIFAX has had my account locked out this entire time even now. The emails Im receiving now saying I have until the XXXX of this month to see the result. I HAVE CALLED THEM SEVERAL TIMES OVER FOR HELP!! AND HAVE BEEN LIED TOO AND MOST OF ALL I STILL DON'T KNOW WHATS GOING ON. I just got off the phone with them. I was told my information was NOT IN THEIR SYSTEM!! IM SO CONFUSE. I NEED HELP!! THANKS
Product: Credit reporting or other personal consumer reports

Seeking prompt federal resolution for unapproved addresses and credit accounts. 

My credit report shows accounts I didnt authorize, violating the Fair Credit Reporting Act ( FCRA ) and harming my finances. Despite contacting XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC, unauthorized accounts from XXXXXXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX I request the CFPB along with the use of the Federal Trade Commission ( FTC ) to enforce my rights under federal guidelines, ensuring these accounts are removed immediately to protect my financial health. 

Urgent federal intervention is needed to uphold my consumer rights by deleting these addresses and accounts swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper access to my credit report