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

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant anxiety attacks. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. Transunion is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Product: Prepaid card

I have been unable to access my money on Rushcard since XXXX/XXXX/15. No one answers the phone or when they do they hang up on you. My money is on a card that expired almost 3 months ago. I unable to transfer money from the expired card. None of my emails have been answered and they have disconnected some of their phone lines
Product: Debt collection

Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am a victim of identity theft, my wallet was stolen and it had my identity in it. I'm contacting you guys to delete the following information in my file to correct my credit score. I already reported the issue to the Federal Trade Commission. I would appreciate it if these items can be deleted as soon as possible. Thank you! 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Open date : XX/XX/XXXX Account balance : {$3.00} Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S.C 1681 eb This is a hinderance to my credit report this is inaccurate and I would like it to be removed. 

I have attched file uploads to show the inquirees I have received from improper use of my credit report! I have uploaded pictures of the open accounts that I use to show you that the inquires that was made on my credit report was not from me!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX ACCT. NUMBERS XXXX & XXXX DATA BREACH OCCURRED
Product: Mortgage

Following is a copy of a letter ( personal info removed ) I have been trying unsuccessfully to get a response from HUD or some oversight institution : XXXX XXXXTo Whom It May Concern : First, thank you to anyone who may be able to help regarding my issue with HUD and a reverse mortgage application, I believe has been erroneously viewed and considered by One Reverse Mortgage. 
For more than a month, I have been trying to find a person or department of HUD with oversight over the reverse mortgage program. Return calls from HUD or various sub-offices where I was referred took two weeks to two days. Still it is unclear if and where I may appeal or get better clarification on a specific HUD regulation sited. 
Please assist or direct me to that exact person who has such authority and expertise. I believe I am totally justified in questioning how One Reverse Mortgage handled my application and the process, which began in XXXX. 
After more than two months and many man-hours of detailed work related to my case - out of the blue - I was told my condominium building did not qualify, because of some " found '' language allowing for 30-day rentals. 
Quickly I disputed this fact, forwarding the entire by-laws of our condo association, along with the separate specific excerpt citing that our building did NOT allow for 30-day rentals. " No residential unit shall be rented for transient or hotel purposes or in any event for an initial period of less than six months. '' This language was exactly what was necessary to show that the underwriter was incorrect in assessing my condo building. I still have no idea where that underwriter picked-up that 30-day language in the first place. Nobody would ever provide proof of that. 
As explained, I sent proof on my part - XX/XX/XXXX - more than one month ago. However, One Reverse Mortgage would not budge and terminated my application " cold ''. No amount of phone conversations or e-mails could sway anyone to re-open my case. I even forwarded the on-line HUD approval list which shows my building as approved until XX/XX/XXXX! 
There are more details I am happy to provide, but this is a summary of what transpired in the past month ( not including all the various HUD related offices I tried to contact ). I am so disappointed in the entire process. I spent the whole summer focused on securing much needed finances for a beloved project, thinking I was proceeding in the right direction and moving quickly at every step. Now I have nothing to show for my efforts and actually find myself in a worse position than when I began in XXXX. 
Suspicions are definitely creeping into my thoughts about reverse mortgages and their true worth. Sadly there may be elderly people who need support more than I. At least I am still an active and willing member of the country 's workforce - with the means to pay my taxes and insurance. 
Please please advise!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # XXXX
Product: Debt collection

Certified Services, XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX was retained to collect a debt on behalf of XXXX. This debt was discharged in my Chapter XXXX, along with XXXX other accounts held by Certified Services. The other XXXX accounts were removed from my credit report, but even after an investigation by XXXX this account remains reported as an open collections account. I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Removal date : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter from XXXX XXXX a Notice of Data Breach of my personal information. The following transaction information listed on my Telecheck File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute several accounts that have been reported under my name, as I have no knowledge of these accounts and believe they do not belong to me. Below are the details of the accounts in question : Also this address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not mines and reporting on my credit with an open account attached XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$7200.00} Issue : This account is not mine, and I have no knowledge of it. I have not opened or authorized any such account. Please investigate and provide evidence of the debt, as I dispute its XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$300.00} Issue : I do not recognize this account, and I have no knowledge of any debt with this company. Please investigate the origin of this account and confirm that it is not linked to me. 
National Credit Adjusters , L.L.C ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$490.00} Issue : This account does not belong to me, and I have no knowledge of any transactions or debts associated with National Credit Adjusters. Please provide verification that this account is valid and belongs to me. 
I am requesting that you thoroughly investigate these accounts and provide proof of their validity. If you are unable to provide such proof, I expect these accounts to be removed from my records immediately. 

Please treat this as a formal dispute and respond to me in writing with the results of your investigation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I contacted this company 3 times about this account I cant find my other letters were they said they verified but the most recent date i have is XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 168li ( 5 ) this account in violation not reporting 100 % accurate.
Product: Mortgage

Ocwen servicing wrote my mortgage off over ten years ago. They never notified us that they had it. We were sending our payments to XXXX XXXX  when we receive a letter stating they were no longer be taking payments and we would be notified where send those payments to well that never happen now ten years later we request a release and Ocwen refuses, we didnt even know who they were until a few months ago we were in the process of selling our home. Every year when we paid our taxes on our house we would check to see if a mortgage company finally was reported it wasnt. When Ocwen responses the first time, they told title company it was written off, than the next time we contact them they said they were gone foreclose on our home. They had ten years to notify us and they didnt. We feel Ocwen mishandled our mortgage fraudulently and is trying to find loopholes for the bad business practices of our mortgage. All we want is a release because we feel it wasnt our wrong doing, it was Ocwen.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report this information, ensuring my credit report no longer contains any fraudulent details.

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim that these accounts are mine.

I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding the Reporting of My XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to inform you of a discrepancy that I have been experiencing with XXXX regarding the reporting of my XXXX XXXX account. Despite my communication to both XXXX and the respective reporting agencies, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Equifax, that I do not authorize the reporting of payments on my account, my concerns have yet to be addressed appropriately. 

According to 15 USC 666, a statute that establishes general provisions relating to powers and duties of banks and banking institutions, I am protected against any unauthorized reporting of my account. The situation also falls under 16 CFR 313, the Privacy of Consumer Financial Information rule. This rule, particularly 16 CFR 313.7, regulates the conditions under which a financial institution may disclose nonpublic personal information about a consumer to nonaffiliated third parties, which I believe has been violated in this case.

In relation to 15 USC 6802 and 15 USC 6801, which outline the obligations relating to the disclosure of nonpublic personal information, I reiterate that I have fulfilled my obligations and discharged the balance for the card. Consequently, I request for the reporting to reflect that my account has been paid off.

As per the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692, a law that seeks to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, I am protected from inaccurate reporting. I therefore urge you to assist in rectifying the inaccuracies in the reporting of my account.

Finally, I would like to draw your attention to 15 USC 1681, which forms a part of the Fair Credit Reporting Act. This statute underscores the importance of the accuracy and privacy of information and protects consumers from the perils of inaccurate information.

I am confident that this matter will be handled judiciously and I look forward to the resolution of this matter. I would like to express my gratitude to the Consumer Financial Protection Bureau for its assistance in ensuring that my account is updated accurately and in good faith. 

Thank you for your time and consideration. 

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

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

Hello. My name is XXXX XXXX. I have been seeking XXXX with a lawyer since XXXX. I had a mortgage with wells Fargo since XXXX with my now ex husband. He had. I income only I did. I lost my home with wells Fargo in XXXX of XXXX. During this time I got a divorce and I have paperwork from the judge that states that my ex has no legal rights with the home. It was assigned to me. I thought it was filed with the judge. I got remarried in XXXX. I thought that when I refinanced my home with my new married name everything would be ok. Wells Fargo needed my ex to sign the refinance paperwork because the divorce agreement never got filed. They would not put my new husbands income on the refinance because he was not on original loan. Then I needed a quick claim deed for my ex to say he wanted nothing to do with the property. That took me months to get him to do. The divorce paperwork had the address but not the address that was sufficient for wells Fargo. Has to have that changed. New husband has to sign refinance paperwork because he lives with me. I don't know. Anyway, thank got behind in payments about a year after I refinanced ( XXXX? ). Got caught up again. Lost job in XXXX. An started seeking XXXX. Then all heck breaks out. First wells Fargo gives me grief about giving me a ( I don't know what you call it ) reduce in the mortgage payments. I get that. Having my XXXX made it harder to understand wording on paperwork but I know. what I was told. I did not know that at the end of XXXX months or so I would have to come up with full payments that didn't include the reduced amount I was paying. I was told I couldn't get any organization to help with wells Fargo mortgage from another organization cause of a claus that said it would accelerate the loan. I couldn't come up with the inflated amount that they
Product: Vehicle loan or lease

I told the company to right of rescission my contract, I entered into this contract agreement with XXXX XXXX XXXX XXXX XXXX without : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX XXXX XXXX XXXX, XXXX willingly and knowingly took advantage of my consumer credit and me. 
Gave them my affidavit of truth with laws that they broke. Was never told about rescind the car at all. 
Debt validation and my cease and desist. 
The company ignored all the info I provided them and only complied with the cease and desist but not to the full extent of what I was asking. 

Send my letters XX/XX/2023, which first they said they received that day but later in the respond said they got it XXXX XXXX. 

I received their letter XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXXXXXX - {$4200.00} XXXX XXXX XXXX XXXXXXXX - {$580.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Checking or savings account

Th bank is WELLS FARGO. Last statement was on XX/XX/year> and in the stetement they mentioned inactive account and they might forfeit the money in the account. 
IThey cancelled my online access and when calling over the phone they told me that they could not verifiy me and they would not provide any information. 
I have called several numbers and different ocassions without any result. I had {$9900.00} dollars in it. 

Unfortunately I am abroad, and I am XXXX and I could not travel to a branch for help. 
They never renewed my ATM card-
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX  and attorney XXXX XXXX have claimed that I am responsible for someone elses debt and it is impacting my ability to earn a living, my credit report, and my finances. 

I am not responsible for the note
Product: Credit reporting, credit repair services, or other personal consumer reports

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of monthly payment, past due amount and terms.Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Debt collection

I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " Hunter Warfield '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to Hunter Warfield 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.