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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX PHH/OCWEN XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern, I would like for this letter and documentation to go on record. On XX/XX/XXXX XXXX EST I spoke to a representative of PHH/OCWEN by the name of XXXX and he instructed to submit a letter stating my only source of employment is with XXXX  and no other entities, which I have attached. 

As my conversation continued with XXXX, he stated to me he was instructed along with his other colleagues to cease and decease contacting me requesting documents for my modification application. XXXX, stated to me I have to contact PHH/OCWEN and inquire what documents are needed in order to move forward with my modification request. This does not make sense to me since I am the consumer and they are the processors. How would I know what documents are needed if they dont initiate the request? 

I have attached a letter of explanation stating I am only employed by the XXXX  XXXX  XXXX  as a XXXX XXXX. On XX/XX/XXXX I emailed my XXXX Income Tax document along with my last two pay stubs from XXXX  and the application for Mortgage Assistance for re-modification. 

On XX/XX/XXXX, I applied for a refinance loan instead of a modification. I paid for an appraisal, submitted several documents to the refinance department under XXXX XXXX, three months went by and no one told me that my forbearance had to be brought current before I can apply for refinance. I submitted several emails to XXXX XXXX, wrote several complaints to CFBP, and Federal Trade Commission to get someones attention. After several complaints from me I received a response from XXXX XXXX, Manager of the Refinance Underwriting Department who explained to me she would have to close my refinance application file because my forbearance was not brought current. For the past 14 years I had my loan with OCWEN/PHH mortgage and it has been nothing but chaos and unethical practices with their unreasonable timelines and threats of foreclosure. 

I have forward a copy of this letter to the listed below. This is not first encounter with OCWEN/PHH Mortgage as the company continues to undermine their customers During the forbearance process OCWEN/PHH repeatedly request the same documents, therefore dragging out the process until stated deadlines have passed and disqualifies me for possible mortgage assistance. 

XXXX XXXX XXXX Cc Department of Housing Fair Act US Department of Housing and Urban Development District of Office of Attorney General XXXX XXXX Consumer Financial Protection Bureau
Product: Vehicle loan or lease

My Dad, XXXX XXXX, of XXXX XXXX, XXXX XXXX, Mi died on XX/XX/2018. He had a lease with XXXX. Within two weeks we dropped off the car at the dealership. Unfortunately, the lines were down the day the salesman tried to dock the vehicle with XXXX. He did not give me a receipt. 

We didn't think anything of it because we knew the car was turned in. Then they continued charging the lease payments for several months after and have stated that my XXXX 's estate owes the remaining balance of the lease. 


We have attempted to contact GM financial on many occasions to have this resolved. Every time they say " You're set '' and yet we still have this unresolved. So I am reaching out to get this taken care of. Our father has passed away, there is no reason they should not have taken care of this. Thank you for your help.
Product: Credit card

An account with Discover Bank was opened without my knowledge using my information in XXXX. It was for a {$500.00} line of credit. The address listed on the account for billing is in XXXX, Maryland. I've never been in XXXX Maryland and I never opened this account. I have lived in the state of California since XXXX and have not been out of the state since then. The {$500.00} line of credit was maxed out and although a couple payments were made initially, the account went past due and was eventually charged off in the amount of {$2000.00}. This charge off appears on my credit report. I contacted Discover and they would not discuss the account and advised me to talk to their collection attorneys XXXXXXXX XXXX XXXXXXXX. So far five attempts ( DXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to contact someone at XXXX XXXX XXXX have been unsuccessful and no one has returned my calls despite .my repeated and emphatic requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had submitted a request for a credit line of XXXX through XXXX ( I have a credit card with XXXX Signature card ) as I was trying to pre order a new product from XXXX. Needless to say, I was declined for the credit line even though my credit was in the 720s ( I thought ) So I researched through my account with Experian and saw that my Credit score had dropped to XXXX because of a dispute I had requested from what was being reported that I owed on my XXXX XXXX Account. The credit report stated it was XXXX and in reality it was only XXXX. I reviewed my dispute completion information and Experian had stated everything was correct. Which in fact they had changed the entire account from being an Excellent payment history to Good .. the date showing when I had opened the account was changed from XX/XX/XXXX to XXXX and the months in between those years were changed to missed payments and charge offs.. I was utterly dumbfounded because I ONLY disputed the amount I owed. I have contacted Experian and spoke to representative on XX/XX/XXXX to ask how cld my account being reported be changed in a matter of weeks from being 99 % accurate to 100 % inaccurate. The specialist stated that the best they could do is close the previous dispute and open a new dispute. I have uploaded all relevant documents from the merchant, my personal bank account and the contract itself in order for them to review. All the information I have given them is 100 % accurate and still Experian has not corrected my information. Today XXXX at XXXX XXXX  I called XXXX corporate office to discuss where the disconnect was and their information theyve been reporting to Experian. Their representative at XXXX ( XXXX ) had stayed that all the information I have in my possession and on my account through their website is 100 % accurate to where the account was opened on XX/XX/XXXX, no missed payments and the amount owed is only XXXX not the XXXX that Experian is reporting. That its an error on Experian. Im baffled at how this could happen in a matter of weeks simply on an amount owed dispute.. granted I understand this could be an honest mistake but under the Fair Credit Reporting Act any false information that has been reported or inputted on my account that resulted in me being declined for a line of credit could result in a lawsuit. Not that this is my intention. Not at all. I just want the truth to be reported and or inputted correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at equifax and XXXX. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that  description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through equifax and XXXX  upload system on their websites. They refuse to remove this charge off. I also notified each bureau Equifax and XXXX  that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( Equifax and XXXX ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX account on my XXXX  report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both equifax and XXXX. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. Equifax told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX  XXXX account.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the equifax breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothig. Please help me delete these illegal accounts from my crredit reports. 
XXXX XXXX XXXX XXXX Under dispute Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX {$5900.00} XXXX Account charged off. {$5900.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Balance {$21000.00} Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX.
Product: Checking or savings account

when disputes were made throughout the year of 2023 the company refused to do full investigations in to disputes. if disputes were handled properly i would have won the case which was opened 4 TIMES. Every time they closed the case without speaking to me or the company that refused my refund and caused over {$1000.00} in overdraft fees. These fees would be for items between XXXX dollars at {$35.00} each. On top of this TD bank was charging me XXXX a month for a simple checking account fee when i was supposed to be paying {$15.00} or less. This action also caused overdraft fees. This is a scam and I will take them to small claims court beause i work hard for my money. Everytime i tried toget the over draft fees returned back to me they would refuse. even after speaking with a XXXX they would only refund 2 fee 's out of 10!
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened a XXXX account under my name and didn't pay the bill. I have an Identity Theft Report # from the FTC : XXXX and I also attached a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes regarding my credit concerns, and inaccurate info that's on my credit report.. It appears that no one is willing to comply.. I have provided proof of letters I been sending out to correct all the matters and concerns I have.. There has not been any results of changes or compliance.. This has become a burden to me and my family.. I will like to see some results base solely upon my disputes and matters I'm having on my credit report.
Product: Checking or savings account

On  XXXX   XXXX  , 2017, some one cashed a forged check in the amount of {$1500.00}. On  XXXX   XXXX ,  2017    when the check posted on our account, we first contacted Chase and informed them of the fraudulent activity, then immediately filed a police report with  XXXX  Police Department case #  XXXX  with   XXXX    XXXX . Chase informed us it would take up to 30 days to investigate and return the funds. On the  XXXX , we contacted Chase to get an update on the claim and they informed us the claim was denied. They would not refund our money because we were negligent with our checks. That we " didnt keep our checks in a safe at all times. '' My husband went to the local branch to discuss this matter further and the banker herself said she has never kept her checks in a safe ever.
Product: Checking or savings account

XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX to XXXX XXXX Old Republic Title Comapny Pursuant to our conversation this day concerning the above referenced Title Report, attached hereto please find Schedule A and the Supreme Court Judgment clearing ScheduleB/Exception # s 4 and 21 ( 6 Open Mortgages ) and Recorded Satisfaction of Mortgage # 1 clearing Schedule B/Exception # XXXX. 
I know XXXX XXXX XXXX ordered this title as a sale but now after COVID the same exact parties would both like to change the report from a sale to a {$250000.00} refinancing of the subject premises by a recordable first mortgage. 
We would like to close this transaction, as amended, under this XXXX XXXX XXXX, and updated pursuant to your specific instructions. 
Thank you for your immediate attention to this matter. 

On XX/XX/XXXX. he ask me to pay Old Republic a check for {$500.00} for the work product to be done. I sent him a check from my business account and to date I have made numerous attempts to receive a copy of my title report for property XXXX XXXX XXXX, XXXX, NY XXXX and or my money back since I never received any work product to date. 
I have note received a refund or work product from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXXXXXX XXXX ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCT # : XXXXXXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A. States that I have the right to privacy 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I moved out of a apartment and XXXX XXXX aka XXXX XXXX XXXX put lies on my credit I sent all rent receipts, lease, notices etc to prove and had a attorney send a demand letter with court supporting documents showing I don't own and Hunter and Warfield refuse to remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Debt collection

XXXX  continues to update my credit report with false information. I have not had XXXX service and I am receiving a bill for over {$2200.00}. Now, it has moved to collections and I have attempted to communicate with the collection company as well as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted that my account is more than 90 days late. This is incorrect and far from the truth. I have attached payments made to my account over the past 90 days. I will also be contacting an lawyer due to this miss information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I had sent messages to Nelnet in XXXX through their website twice requesting to change the date of my payment as I already had several bills being automatically deducted from my bank account around the same time. Days and weeks passed with no response. I called on XX/XX/XXXX and after an EXTENSIVE time on hold, was finally able to speak to someone and requested that my due date be changed to the XXXX of the month. At the end of last week, I received my statement in the mail saying that my next payment would automatically be withdrawn on XX/XX/XXXX, which is the original due date I asked to be changed to mid month. I tried to call on Saturday to ask why my date had not been changed as I requested but there are no representatives available on the weekend. I work a full time job and it is very difficult to make calls like this during my work day. This morning around XXXX I called and used the option to receive a call back without losing my place in line. The estimated call back time was 33 minutes. At noon I still had not received a call back so I again tried to call and waited for almost an hour before I had to hang up due to time constraints. When I got home from work this evening, I tried to call yet again around XXXX and have requested a call back. I am doubtful I will get one. I am worried that this automatic debit will cause me to overdraw my bank account because of all the other bills coming out around the same day and I can not get in touch with them to inquire about moving my due date ( which I already did over 3 weeks ago ). It is beyond frustrating to spend this much time waiting on hold or for a call back for something so simple. This company should not be permitted to operate in this manner.