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

Please review all attached documents for specific dates and examples of trying to resolve this matter. I notified XXXX, that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, INNOVIS, XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. XXXX, INNOVIS, XXXX, XXXX etc is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is saying im late when i am not when i dispute they added another late mark showing XX/XX/XXXX late 30 days when my payment was due XX/XX/XXXX so im not 30 days late
Product: Mortgage

I have homestead which removed property taxes and thus my tax payment to the county was rejected since no payment is required or accepted. 

The rejected payment should have been sent to me already. 

Why are they still holding my money. 
I called and they said they would review but there's no reason they have not released the excess escrow to me.
Product: Debt collection

I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and fraud Information Accounts Dear Sir/Madam, I am writing to formally dispute information currently being reported on my credit report by Experian. After reviewing my credit report, I have identified discrepancies with the following accounts : Account XXXX : XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX. 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX 
Reason for Dispute : I do not recognize this account, and it is not mine. 

Collection XXXX : XXXX XXXX XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

XXXX XXXX : XXXX XXXX XXXX. Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Hard inquiry XXXX : XXXX  XXXX Reason for Dispute : I do not recognize this account, and it is not mine. 

Reason for Dispute : The information being reported on these accounts is unauthorized, fraudulent, and/or inaccurate. The accounts in question do not belong to me, or the reported balances are incorrect and do not reflect payments made. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and complete. 

Requested Resolution : I am requesting that these accounts be either removed or corrected immediately. As per the FCRA, you are required to investigate and resolve any inaccuracies or fraudulent information within 30 days. 

Additionally, I would like to highlight previous cases where Experian, Equifax, and TransUnion have been sued for similar violations of the FCRA. For example, Smith v. Experian is a case involving the inaccurate reporting of accounts and violations of the FCRA, where the court ruled in favor of the plaintiff due to these violations. In similar cases, such as Jones v. TransUnion and Doe v. Equifax, plaintiffs were awarded damages due to the failure of credit bureaus to correct inaccurate and unauthorized information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian and this company no matter how many times I call, or police reports I file, will not remove these items from my report that don't even have my social!They are putting items from another person with another social on my report. They are putting another name, and addresses on my report as negatives.The accounts are not mine. The social doesn't match nor the name!Yet it's still in my file.I've paid them for their so called monitoring. I've spent hours on the phone and also sent a certified letter.Any and all accounts without the name Thomas Pizer are not my accounts.My social ends in XXXX  not this other number. I've sent them a certified notorized letter asking for the signed contracts for these accounts and nothing. No response. They also refuse to allow me to freeze my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I applied for a car loan with XXXX XXXX XXXX XXXX on XXXX XXXX and authorized them to submit my application to one bank only for loan approval. However, my information was submitted to multiple banks without my consent, resulting in several unauthorized hard inquiries on my credit report. These unauthorized inquiries have negatively impacted my credit score. This action violates the Fair Credit Reporting Act ( FCRA ), as I did not provide consent for the multiple inquiries. XXXX XXXX XXXX XXXX is no longer in business, so I am unable to directly resolve this with them. As a result, I am requesting that the credit bureaus remove the unauthorized hard inquiries from my credit report, as they were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
Transunion, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report a XXXX account appears and indicates that I am deceased and the account is reporting as a chargeoff. This is incorrect. Also a XXXX Bank credit report shows an incorrect balance. This balance should be XXXX and the incorrect balance is a result of fraudulent activity. An XXXX XXXX credit card reports and it shouldnt because the account was initiated fraudulently. Additionally there were XXXX inquiries that were made without my permission and they are : Bank XXXX XXXX on XX/XX/2021 and XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, and XXXX XXXXXXXX XXXX on XX/XX/2021.
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 items 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 items 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. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 

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

I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
Product: Credit reporting or other personal consumer reports

My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted XXXX, Trans Union, and XXXX several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

XXXX XXXX  opened : XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXXl opened : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

My account was closed, they stated that I deposited a check that was bounced and I didnt put no check in my account, so I dont understand where its coming from. So my account was closed and they saying I owe them money...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked
Product: Mortgage

Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at  Ditech  and their response is that I am wrong and that no funds were misappropriated.   Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to close on the sale of my co-op since XXXX. My original mortgage company went bankrupt and I was turned over to another service. I needed my original stock certificates and propriety lease which took me 100 phone calls from my lawyer, myself, real estate agent and lawyer for co-op to finally get them. Sitting at the closing the UCC3 document was missing. A request was made on XX/XX/19 and a copy of the UCC3 was  emailed to Loancare for signature. Everyone has called and called to obtain status of this document each day. Hours and hours on the phone, telling story over and over again, being on hold for 45 minutes at a time. Having the supervisor ask how I got them on the phone if I was transferred to him, very annoyed and kept me on hold for 45 more minutes and then hung up on me. I am trying to get this document as my buyer rate lock has expired and now she has to renew and cost money. I am losing money every day and still no results. I am desperate for some intervention and results, before this sale falls through and I lose everything. I am already paying 2 rents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2022, I have been sending certified letter to XXXX, TransUnion, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and TransUnion to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Product: Payday loan, title loan, or personal loan

I got an offer in my email XXXX credit line available to me. After just a few clicks, the loan was executed. I didn't have a chance to speak with the banker about the interest rate or what to expect, and I was never provided with the executed signed documents. Within a month, I realized the interest rate is not 7 % as advertised ( catch! ), but it's compounding. Since then, I have been trying to contact the personal loan Citibank representative, but the number provided is impossible to get through. Whenever I get a rep online, it goes to outsourced customer service who hardly speaks English who completely dysfunctional to service my banking needs. When I ask to be connected to the United States customer service, I get transferred back into the stream. I went to the local branch of Citi Bank XXXX XXXX XXXX XXXX NV a month ago asking for help with this loan and if they could explain how this interest rate works since I haven't gotten ANY disclosures, not email or hard mail. The branch manager said they have nothing to do with my personal Citibank loan, and I have to call the number provided online for the personal loan department. I explained I have been trying and its been months. I requested them to order hard copies of my loan signed. I never received any documents. I have contacted Citi bank many times through chat they said they have no access to a personal loan. I am paying each month on time and it has been months since I can not get disclosures. 

On XX/XX/XXXX, XXXX XXXX sent me a check for {XXXX} at the CitiBank address. I provided them with my checking account number and my debit card number. The next thing I know, this check was cashed towards my personal loan without my consent. The only information for this check was given is the debit card and checking account number. I lost these funds to be available to me as it was anticipated with the request of the transfer from XXXX XXXX. Again I can not get in touch with anyone in the personal loan department. 
I can't get my personal loan full number XXXX to provide for this statement because I have no disclosures. Online it only shows the last XXXX numbers. I only have a reference number from the email after this loan was executed just after a few clicks. Why my funds of {XXXX} was deposited towards the personal loan without my consent while the issuing bank had clear instructions for my checking account only.
Product: Bank account or service

The bank 's mistake led to overdraft charges on my account. The bank 's discriminatory practices will not allow me to make ATM deposits on weekends or holidays. Charges that where apparently on hold where not included in my available balance. After making several charges, the charges on old then appeared forcing my account into a negative balance. The bank then added several XXXX dollars in overdraft fees. The bank refuses to deduct the overdraft charges and places the blame on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

DEAR CFPB : OCWEN BANK DO NOT WANT TO REFUND US ILEGAL FLOOD INSURANCE CHARGEOCWEN CHARGE USD XXXX PER MONTH THE CORRECT AMOUNT IS USD XXXX ( OVER CHARGE USD XXXX X XXXX ) TOTAL USD XXXXXXXXLOAN # XXXXXXXXSEE EXTRA INFO ON THIS INSURANCE FRAUD CASE : XXXX, New York ( XXXX XXXX, 2015, XXXX XXXX ET ) -- Ocwen Financial Corp. and XXXX have agreed to pay {$140.00} XXXX to settle a putative class action in Florida federal court with homeowners who say Ocwen artificially inflated the cost of premiums for forced-placed insurance in exchange for kickbacks from XXXX. In the proposed settlement, about XXXX class members will receive the money from Ocwen and XXXX. Ocwen has agreed to change its practices during the next five years, prohibiting commissions for force-placed insurance coverage, foregoing quota-share reinsurance arrangements with insurers and not using Ocwen affiliates to get force-placed insurance coverage. 
WE REQUEST THE REFUND OVER 4 MONTHS AGO AND WE DO NOT HAVE ANY RESPOND XXXX XXXX XXXX