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

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} 2. DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out A car loan for American Credit Acceptance and made my payments to the best of my ability. Shortly after the vehicle begin to fail and give me continuous problems which caused me finacial hardship. I contacted the company several times advising them I didnt have the vehicle due to the motor going out after only having the vehicle two years. An agent advised me I could settle the account for A reduced amount and they would give me 60 days. I agreed & have since paid the settlement in full as they requested XXXX & the l ok an is still showing open and active. I was advised it can take 3p days to update with the credit B. However on the report it reflects 90 days past due as of today. Meaning when I agreed to the settlement in XXXX they where still falsely reporting the account delinquent. They informed me I had 60 days to pay settlement but during those days still reported me late. I have reached out and nobody has been able to assist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX Dear agency I am writing to formally dispute the presence of tenants listed on my credit report who I do not recognize and did not authorize. These unrecognized tenants are having a negative impact on my credit report, and I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to the FCRA, credit reporting agencies are required to maintain accurate records and to promptly investigate and correct any inaccuracies. In this case, the inclusion of unauthorized tenants is both inaccurate and harmful to my credit standing. I request that you take the necessary actions to investigate and remove these entries from my credit report immediately. I expect this matter to be handled swiftly to prevent further damage to my credit profile. 


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

Theses inquiries are not authorized by me and they should be removed immediately because this could be fraud and identity theft
Product: Debt collection

I noticed a negative report/account on my XXXX Credit Report XXXX XXXX TAB/SUNBIT collection/chargeoff for a Personal Loan for {$1700.00}. On the credit report status it stated the dated opened and the XXXX information, which I contacted and the number is no longer in service. I contacted transunion and submitted a claim and the next day, without providing me any documentation of their research they claim it was valid. This account was not opened by me and I wanted to have them further research the claim as fraudulent. This account does not show up on my other credit bureau reports.
Product: Money transfer, virtual currency, or money service

i got fake bill from XXXX XXXX for {$620.00} .i called them at XXXX XXXX XXXX they said w ould refund. but we must run a $ XXXX which came out $ XXXX XXXX. while correcting this the took control of my pc tookmonies from saving to checking andwired {$9300.00} they told when the bank PNC called to lie .thats when i knew it was a scam.i called pnc disputes rig ht away now pnc says sorry you get nothing back cause we didnt. get the money back. i thought our funds were insured pnc LIED and said i cancelled the dispute. i told them to prove it -- no response!!!!!
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. I told XXXX, XXXX, and Equifax to reinvestigate the Account Number # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.
Product: Checking or savings account

It's been over 2 weeks since I opened Claim # XXXX because a company by the name of Fanatics illegally made over XXXX XXXX of charges to my debit card with out my consent over the internet with out my card present. I keep calling well fargo and no one will help me they only tell Me wait because is a high dollar Fraud Case.

At this point I have made a Police report to support my Claim and this complaint to the CFBB. Wells Fargo is keeping in the dark and has failed to protect my money and identity. I have bill to pay and well fargo would not even provide a temporary credit while this is resolved. I am completely discussed at how my Claim is being handled and how everyone is just lying to me. Till this day I still don't have a clue about my money or who took it from me. 
I'm very disappointed and after this I will closed all relationships with Wells fargo if they don't make this right.
Product: Debt collection

In XX/XX/2019, I disputed a derogatory mark that is being listed on my credit reports by Credit Collection Services. The results of the dispute came back as 'verified and accurate '. Thus, because I do not owe this debt, my next step was to dispute the debt directly with the furnisher of the information. 

On XX/XX/2019, I wrote a letter to Credit Collection Services asking them to send me the documents that were used to validate this debt with the credit bureaus. I specifically asked for proof of contractual agreement and COMPLETE accounting of the alleged debt using generally accepted accounting principles. CCS received my letter on XX/XX/XXXX and in their response on XX/XX/XXXX, CCS didn't provide me with any of the requested documents nor did the company provide me any documentation to legally validate this debt. 
Instead, I was sent a 'final bill '.
Product: Credit reporting or other personal consumer reports

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting XXXX XXXXXXXX account # XXXX has violated my rights 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 that a consumer reporting agency can not furmish a account without my written instructions
Product: Checking or savings account

Hello My name is XXXX XXXX and I'm writing this letter in response to Truist Bank illegally holding the amount of {$130000.00}! Funds that legally belong to me I XXXX XXXX Am/was the legal owner of this account I had XXXX deposits made into this account XXXX being an XXXX deposit in the amount of {$3000.00} and the second deposit was a Treasury check XXXX the amount of {$130000.00} deposited into the account XX/XX/year> XXXX Deposits successfully posted to the account on XX/XX/year> I XXXX XXXX provided all necessary documents proving my identity and also proving where the money came from Truist Bank stated that the funds were indeed returned back to the IRS/Treasury which has now proven to be untrue and confirmed by the Treasury/IRS It has been XXXX XXXX XXXX date and I have not received the remaining balance and this Now closed account in the amount of {$130000.00} I'm writing this letter questioning when are my funds going to be released to me how can we resolve this matter immediately thank you again XXXX XXXX
Product: Vehicle loan or lease

Went on XXXX XXXX and saw this company offering a better rate for my car loan. The offer was to lower my interest rate and monthly payments based on my credit score. I filled out the information needed and the company stated a soft credit check will be made. The company guaranteed A better rate so I agreed for them to do a hard inquiry on my credit. I received an email from the company Saying a agent will call with the good news. The agent did call me and the offer was not what I sign up for the interest rate was higher and the payments doubled. I went from 72 month lease to a 48. Now I have a hard Inquiry on my credit report. I called the main office of the company and XXXX with a supervisor. Told him the situation and he said he will call me on Monday he never called me and now I have a bad report on my credit I would have never allowed them to check my credit knowing that the offer would be worse. They promised a better rate and lower payment that never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong issues appeared on my report,  XXXX   XXXX   XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practice, and violates the consumer financial situation act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud under platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic phone transfer act ( EPTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

XXXX closed out his personal loan with navy federal in full. Still shows account is open.
Product: Mortgage

Dear Consumer Financial Protection Bureau My property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is mortgaged by Ocwen Financial Corporation XXXX ( headquarter office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ). 
I have been with Ocwen for around 7 years or so and I have had insurance via XXXX XXXX for the entire time I have owned the property. 

For the past 2 years, they have been doing the following things : 1. Calling me at least 2 x per day 2. Sending me letters saying, 'You have received this letter because you have not paid your bill. If you have paid your bill by the time you receive this letter, then disregard this letter ' 3. Sending me packets of XXXX page booklets saying, 'You are going to go into foreclosure. For help, fill out these forms and call us at Ocwen to assist ' They have charged me for insurance without even telling me about it, messing with my Escrow. When I realized this, I fought with them and had to get XXXX XXXX on a conference call with Ocwen again. 

In the meantime, when I call them back ( it takes 45 minutes + of wait time ) to get on the phone with them, then they tell me different stories : Story 1 : you need to pay insurance Story 2 : you owe us {$400.00} ( but they wo n't say for what ) Story 3 : your payment went up XXXX dollars per month since XX/XX/XXXX ( but they wo n't say for what- I think it is for insurance by piecing the phone call responses together ) All I want is this : 1. To STOP HARASSING ME! Do I need to sue for HARASSMENT? 
2. To stop being ignored 3. Reimbursement for insurance 4. No charging for fees that are snuck in without even telling me about it 5. Stop sending me letters ( see above ) 6. Stop sending me XXXX page packets ( see above ) 7. Tell me what they actually want WRITTEN in a clear EMAIL WITH STATEMENTS FOR PROOF 8. Stop calling me I have escalated my concerns to the entire Board of Directors and CEO and VP : XXXX XXXX and XXXX XXXX at Ocwen with Zero response, except for more paper and convoluted phone calls. 

The latest is that an Ocwen employee called me and told me 'all I can do is listen to your complaint but can not help you ', then she was so rude, and played a game with me by saying 'you wo n't let me read you my disclosure so I ca n't help you and because you called me, I do n't know who you are ' Why even call me? I told her if she was going to play that game, then she can just call me back. Then she said she was not going to call me back. I told her that this was ridiculous we were even having this conversation because I asked simply for the company to respond via email to my email requests. She was so sarcastic and rude, telling me that she could only just listen but do nothing to help. What a waste of time, like this is some sort of a joke? I was so angry and upset XXXX, as this has been happening for months now that I let her have it. She kept talking over me so I hung up. This is abuse. I just want them to tell me what they want via email with statements so they can communicate like a NORMAL company would! 

Thank you. XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have two companies making sure this affects my credit on bad faith 1/ XXXX. I dont owe anything to XXXX reason I k ow is because Im with XXXX and theres no pending bal. I dont owe them anything like they said on the report that I do 2/ the other is with some credit bearue for XXXX XXXX. They are charging me for a bill I assume its a medical bill I have had insurance the whole time I should have not been charged I have tried to dispute that and havent received any response since the year they marked me for collections til today 2023. 
I want to demand that thoes get deleted off my credit since its nothing to do with me owning them anything. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are reporting inaccuate items on my credit report
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have never lived in Texas. 
Collection from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX from the company XXXX XXXX XXXX XXXX, XXXX XXXX account ending in XXXX for {$940.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX from the company XXXX XXXX XXXX XXXX account ending in XXXX for {$1900.00}. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas . I have only lived in XXXX XXXX XXXX  and in XXXX, MA and currently XXXX, MA.
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

After many attempts contacting Jefferson Capital Systems , LLC, at XXXX, regarding my Identification being stolen. I have yet to get any resolution. 
I spoke with XXXX XXXX employed with Jefferson Capital Systems , LLC  on XX/XX/XXXX, via email ( XXXX ). 
I asked, XXXX XXXX to give me an update regarding a Identity Fraud account listed in my name. Jefferson Capital Systems , LLC is currently Garnishing my wages after I explained, Jefferson Capital Systems , LLC on several occasions that this account was created without my permission. 
I have an email where XXXX XXXX confirmed recieving my Identity Theft packet filled back on XXXX, XXXX & has blame the law office of XXXX XXXX XXXX for delaying cancelation of my wages being garnished. This has been extremely frustrating. Jefferson Capital Systems , LLC has continued my wage Garnishment through my Employer due to greed. Please help me stop this Collection Agency, Jefferson Capital Systems , LLC stop the wage Garnishment & immediately refund all monies thats been Garnished. This has affected my mental health badly. Help.
Product: Credit reporting or other personal consumer reports

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Student loan

In the fall of XXXX  my loan interest rate had been paid off through XXXX. When it switched to MOHELA I asked for an updated info from XXXX  regarding my account as well as the payments processed through PSLF. At this point, I did not receive such items as my account was closed. When MOHELA received my old loans, I started gaining interest again. No one responded to my inquiries. As of this week I paid my monthly student loan on XX/XX/XXXX but on XX/XX/XXXX they said I was overdue which affects my loan forgiveness payment options and also incorrect. I feel that this company is untrustworthy and I am out of options.