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

I have sent  XXXX  a letter demanding they send me what proof they have showing some accounts on my credit report and how it was reported that I owe these accounts other than just a social security number, name and date of birth.  XXXX  has refused to send me any information on this. I have filed this under Sectio n 609 ( A ) ( 1 ) ( a ) as well as my rights under section 611 of the  FCRA. A letter was sent on  XXXX / XXXX /   2017. Ins tead of doing the investigation and sending me the required documents that I ask for they have claimed that I need to basically stop bothering them over this.
Product: Mortgage

I purchased my property in 2005 at the cost of {$130000.00}. Since then, I have been having modifications with the servicer. Since ever, my loan balance stood on {$120000.00} after all these years. When I confronted them, I was told that by balance increased due to surcharges, late payments, litigation fees, modifications fees, inspection fees and others. I asked them why did they include all as my loan balance and continue charging interests on the balance. They failed to answer this questions. I know, that the period of modifications should be treated with caution and other late payments. I asked them to consider removing other surcharges during the time of renovating the property. Please I want my loan account to be reviewed professionally. PHH mortgage servicing is my mortgage from OCWEN. I am confused and saddened over the balance I see on my mortgage after 16 years. Please help me on how to reduce my loan balance. 

Yes, I bought the house at the cost of {$130000.00} plus {$20000.00} down payment, but the down payment didn't reflect on my mortgage balance. It could have been {$110000.00}. But the second XXXX is being paid {$20000.00}. I was scammed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Some applied for a line of credit in my name with Citibank that I did not authorize. 
I was advised that the inquiry would be removed from my report in 30-60 days. 
The initial call was XX/XX/ 2022, and it has not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be removed from my credit file : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my behalf because Transunion has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
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 my Police Report/FTC identity theft report ( FTC REPORT 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. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> ACCOUNTS and INQUIRIES Letters 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 no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say 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 immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.
Product: Credit reporting

When trying to access trans-union credit report I was not able to obtain since they claimed I had already received my credit report this year. I did n't see any information on the site about how to contact them. I would like some assistance with this matter please, I 'm beginning to think I 've been compromised and would like to know what other steps I could take.
Product: Mortgage

My father passed away on XX/XX/2018 and left behind a new mortgage that hed only lived long enough to make a single payment on. My sister and I have been trying since his death to assume the mortgage, but the mortgage servicer gateway Mortgage Group has been either unwilling or unable to give us a straight answer on what needs to be done or how we can pursue an assumption. They have been giving us the run around for months while charging fees and interest.
Product: Credit reporting or other personal consumer reports

I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )
Product: Credit reporting or other personal consumer reports

Earlier this year i found out i was a victim of identity theft, so i followed the instructions of the credit bureaus and filed a identity theft affidavit with the ftc. I sent this in but i guess it didnt worl because the fraud accounts didnt come off. I got fustrated so now i file a police report with t he XXXX  police department case number XXXX
Product: Mortgage

We purchased a XXXX XXXX home in XXXX and we paying on time every month, until XX/XX/XXXX, I was laid and my husband and I could no longer make the payment of {$3200.00} monthly. We paid up until XX/XX/XXXX and can no longer make further payments, since my family consists of XXXX people, including my mother who has had two XXXX. We contacted Flagstar Bank in XXXX when I lost my job and they gave us a list of agencies that could assist us in filling out the papers of hardship. We chose XXXX and visited with their office in XXXX, providing all the documentation requested. Since then we have communicating with XXXX  ( XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) and Flagstar Bank regarding the status and no one seems to be interested. Flagstar sent us a correspondence on XX/XX/XXXX stating our litigation matter has been closed and now threatening to foreclose on our home. We have been communicating with Flagstar Bank in between the above mentioned dates since we were not hearing from either one. Now with the latest threat of foreclosure we are very concern. I have little children ranging from XXXX to XXXX. Please I am seeking your assistance in helping us save our home. We have provided documents on our own as well this week and still nothing is being done. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not XXXX ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.
Product: Credit reporting or other personal consumer reports

Experian is showing a account on my report that is not updated right my XXXX  account my account # is XXXX XXXX and XXXX have my balance updated right but Experian is not doing there job Experian has a balance of XXXX dollars and XXXX and XXXX has my right balance of XXXX XXXX in XXXX dollars Experian need to update my balance right and they need to do it immediately and they want show me verification for my account first XXXX XXXX account number XXXX I dispute this account 2 times I never had this account in my Life they need to delete that account asap
Product: Mortgage

I became ill last year and was unable to pay my mortgage because I was off from work. I have become delinquent and my home is set for a property foreclosure sale. I have requested mortgage assistance several times, the mortgage company has been difficult to work with me and refused to help me save my home
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXhree Bureaus, XXXX, XXXX, and Equifax.
Product: Checking or savings account

A account that was closed in around 2016 had a negative balance due to fraudulent charges. Regions bank puts the customer on hold on the phone and the issue never gets resolved due to regions canceling the call. Regions bank refused to file a fraudulent complaint leaving the customer in a helpless position.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has 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 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: Debt collection

I reached out to national recovery agency to verify a debt that showed up in collections on my credit report. The creditor stated the wrong original creditor, the wrong charge off date, the wrong date the account was opened and the wrong date the account was closed and the wrong date of last payment on the collections that was reported to my credit report. all of the information that they submitted knowingly false was so that they could continue to collect the debt that had passed the statute of limitations when I asked him to verify the debt and send me the information to verify the debt they hung up on me. 
By using the wrong name of the original creditor, it impacted my credit score twice for the same debt owed. The original debt was already hurting my credit score, but was past the statute of limitations to be placed in collections. They intentionally used the wrong original creditor to make it look like this was a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX, dated XX/XX/17 shows a recently added collection account that is not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX XXXX and XXXX account listed on my consumer report. Ive allowed Transunion, XXXX and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Product: Credit card

Hi Team, Please see the attached statement. In the transactions section dated XX/XX/year> there are following Post Payment - {$33.00} Post Payment - {$4.00} Update Exported Disbursement - {$33.00} Update Exported Disbursement - {$4.00} All the above are actually charged and debited to my account and hence the transactions are totaling to XXXX Under Payment and Credit section they have returned back XXXX with a description Post Payment. 

Now they have incorrectly charged a total sum of XXXX however they have only returned XXXX. When I contacted Upgrade Credit card company they denied refunding me back the extra charge Upgrade Card - Cash Rewards Elite Plus - Credit Card Number
Product: Credit card or prepaid card

My wife and I received a call from Chase credit cards that they saw what they believed were fraudulent charges on our credit card in XX/XX/XXXX. We agreed that 4 of the charges were fraudulent on our card and therefore closed this card and opened a new card. Chase started the process of fraud resolution and finally noted that they closed 3 of the 4 charges and said they were charging us for the fourth item. This item we were told on XX/XX/XXXX by Chase was considered a legitimate charge and that we need to pay it. This item on our bill was from " XXXX XXXX '' for {$390.00} which is a XXXX XXXX XXXX in XXXX XXXX area. We live in XXXX and have not been to XXXX XXXX XXXX for 20 years. We disputed Chase again with the following email : Chase, We are sending this email to substantiate a phone conversation that was had between XXXX, a representative at XXXX XXXX, and XXXX and XXXX XXXX. After a rebill was presented to the XXXX XXXX and several conversations with Chase, we reached out to the XXXX XXXX XXXX. XXXX said that the charge was made online, the person making the booking had my name, card number, security code, and address. XXXX presented an email that was " XXXX ''. I did not write the email down however, XXXX does have this and it is not associated with my account. We have not traveled to XXXX XXXX XXXX in the past 20 years, and did not get the service that was fraudulently billed. XXXX said he has taken this to the top and there is nothing they can do about it but was very supportive to the fraudulent nature of this interaction. Hoping that police could become involved and check possible camera footage if any exists. 
XXXX and XXXX XXXX So, we received an email today XX/XX/XXXX dated XX/XX/XXXX from Chase indicating that they re-reviewed all the data and we still are responsible for paying for this fraudulent charge to our card.We have been with Chase for 30 years and have never had an issue but this one effects me and my credit. I don't intend to pay the {$390.00} but will pay the other remaining balance and close the card. Can you help here???
Product: Credit reporting or other personal consumer reports

XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to XXXX
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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I HAVE DISPUTED THESE INACCURATE ITEMS LISTED ON MY CONSUMER REPORT TO NO AVAIL, I HAVE ENCLOSED FACTUAL DATA IN REGARDS TO THE ERRORS AND INACCRAUCIES BEING FURNISHED ON MY CONSUMER REPORT.I AM THE ORIGINAL CREDITOR AND THE CONSUMER I DO NOT VALIDATE THIS DEBT PURSUTANT 15 USC 1692a ( 4 )
Product: Credit reporting or other personal consumer reports

on XXXX i filed complaint with CFPB after XXXX refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/27 XXXX updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX  year old XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

mr cooper ( nationstar ) on XXXX they paid out of my escrow to my insurance co {$840.00} then on XX/XX/XXXX they took out of escrow {$500.00} for lender paid insurance then on XX/XX/XXXX they took out of escrow {$440.00} for lender paid insurance then on XX/XX/XXXX they took {$440.00} out of escrow for lender paid insurance total {$1300.00} i called then 8 times with no resolution i have always had insurance now my payment went way up they will not refund to my escrow. they stole my money.