23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX  XXXX ran a credit check on me without authorization and used it to lower my credit limits and further damage my score. I attempted to contact them to let them know that my current score is incorrect due to false reporting done by XXXX XXXX ad that they need to reinstate my credit limit as they breached my contract and are basing their decision on fraud committed by XXXX XXXX and they refuse to help me. They also refuse to acknowledge the request that I made by copy and pasting the same message over and over again. I want my credit limit reinstated. They damaged my score further and will not even attempt to look to fix the problem. I am a loyal customer and have always made payments on time. They are punishing me for no reason and I want them fined and they need to fix the problem that they created.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX took me to court for an Bank of America credit card debt several years ago and I explained to them I was in the process of applying for XXXX and since I was awaiting a response had no income which caused this to occur. I spoke with the Attorney after the court proceedings and supplied my XXXX paperwork and other information to him. He advised me he spoke to Bank of America and explained the circumstances and they agreed to write this off and stop collection activity yet the company has contacted me on multiple occasions since then threatening another legal action once and now again asking for me to pay them lump sum. I have called them multiple times since and explained asking for an attorney to contact me about why they are not following agreement but no one calls me back. The attempts stop for several months or longer then start again.
Product: Debt collection

On XX/XX/XXXX I received a letter from the court house stating a default judgement was decided against me by the XXXX XXXX. 

I had contacted this debt collector in timely response in XXXX when I received a letter stating I owed $ XXXX to them. 

Upon contacting the debt collector the original account was assigned to an address I have never lived at and was for a creditor ( XXXX ) which I have never once had any form of account with. 

The lady on the phone did nothing to help further a resolution to this she simply asked for my current address and said they would mail me some documents and follow up with a call. None of which had happened. 

They continued, despite my dispute and request for more info, to continue a legal suit without my knowledge. They then humiliated me by filing the court case in public records, and defamed me and my credit for a debt which is in no way shape or form my responsibility. They have never gave me more info and have ignored me just to steal roll a judgement through the courts without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached FTC report with fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told them to stop but they want my personal information
Product: Debt collection

The company is passed validation period of 30 days to validate two debts. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting the debt and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debts are mine. I have disputed these debts several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember these debts are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditors are the debt collector. By law it is the burden of the Collector to show I legally owe the debts and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debts must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL NEGATIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Vehicle loan or lease

submitted payment, called 2 days later they advised theres no record of conformation number ( screen shot ), when speaking with manager she said its my bank issue and they cant do anything
Product: Mortgage

Clear Path Lending sends 3-4 mailers a week often times camouflaged inside envelopes without displaying their origin. They email, text and call leaving voice mails weekly. I reply to the texts and emails requesting that they stop contacting me. I applied for a conventional mortgage with a different lender last week, XX/XX/XXXX, and the amount of mailings and calls has doubled - offering me a VA mortgage. I desire that they cease all contact with me.
Product: Credit reporting or other personal consumer reports

OUR COMPLAINT 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, THESE ADDRESS & NAME ARE NOT ACCURARE # XXXX XXXX XXXX  Tx XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXXt XXXX XXXX tx XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX, XXXX XXXX, THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C.1681Section
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by XXXX XXXX XXXX XXXX under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. XXXX rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got XXXX to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XX/XX/XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from XXXX which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( XXXX ) and the credit reporting agencies. XXXX has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by XXXX. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from XXXX claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
Product: Credit reporting or other personal consumer reports

I am contacting you to address concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, billing errors, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a high interest loan with Net Credit paid it in full at least 2 times 3 or 4 years ago. 
I took out another line of credit of XXXX I believe in XXXX. After making a few payments I turned it over to XXXX XXXX XXXX. ( Debt management company ) I was unable to make payments in XXXX of XX/XX/XXXX. I had XXXX and was out of work. I kept in contact with both XXXX ( was very hard to get a hold of them. ) I also kept in contact with Net Credit I called them the middle of XXXX and after making 7 months of payments of {$100.00} a month. Net credit my balance was XXXX something. XXXX dropped me from their service and I was going to work out paying the XXXX owed. Well I called NetCredit the end of XXXX I asked them how much my balance owed they said I was past due XXXX dollars and my balance was XXXX. Because I defaulted they charged me all interest and fees for the time I was paying the loan. I was never told by either party about this. I think that this is wrong. It is unfair. They should be investigated. Where did the XXXX dollars go I paid them? There was no form of communication by them about this to me. So I set up XXXX a month through XXXX to take care of supposedly past due {$330.00} and XXXX a month payment through XX/XX/XXXX. 
After I made arrangements I was threatened by them that they were going to sue me basically. Come on I was trying to pay it off. I definitely have good intent. But since I got sick and had XXXX they still charged me all back interest and fees. I did pay them in full twice before. I kept in contact. By the way the customer.servuce people XXXX talked with were very nice.Wrong very wrong. Please look into them so no one else will be ripped off like I was. Thank you for your time. I was not using this loan to pay off a previous loan from them. I answered that question incorrectly. I used the loan just to get by.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, my home was burglarized, and XXXX cars, along with all my credit cards, were stolen. My son, XXXX XXXX, who is also the owner of the home, had been making payments on my Uplift on my behalf. After the robbery, the thieves used my stolen cards to make unauthorized charges, leading us to fight these fraudulent transactions. Additionally, our identification cards were stolen, further complicating the matter. 

The fraudulent charges resulted in insufficient funds in the bank account linked to the credit card payments, leading to late payments. However, after the fraudulent transactions were identified, I took immediate steps to resolve the situation and made payments to bring the accounts current. 

Despite this, XXXX reported me as late in XX/XX/year>, and both XXXX and XXXX reported me as late in XX/XX/year>. I have attached a screenshot of my credit report showing these late payments, as well as a copy of the police report filed with the XXXX XXXX Police Department for reference. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of information on consumer credit reports. Reporting late payments as a result of fraudulent activity, particularly after the matter has been resolved, is a violation of Section 605B of the FCRA, which deals with the handling of identity theft. These late payments should not be reflected on my credit report as they were a direct result of being a victim of a robbery and identity theft. 

As a victim of fraud, I should not be penalized, and these inaccuracies should be corrected immediately. I am requesting that the reported late payments in XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX and XXXX ) be removed from my credit report. 

Please review the documentation provided and take corrective action as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX Citi bank froze my account and is being very rude about it they are holding my funds at this point I just want to be done with them and get my money Im losing valuable time Im behind on bills etc please help this is becoming a nightmare at this point Im begging for my money
Product: Debt collection

This is back from 2009 over seven years old. please remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - I receive my Transunion XXXX Report and Its still reporting inaccurate personal information. I had recently submitted a request to have my information updated back in XX/XX/year>. Transunion is reporting XXXX addresses that I dont receive mail at, and those addresses are non deliverable address to me. And I already submitted proof of my current address per my driver license. Also, Transunion as not remove XXXX of the phone numbers that been reported. I have made clear that those numbers are current and I have gave Transunion the only number that i have. And, Transunion is still reporting XXXX XXXX XXXX, and I have indicated that only source of income which is XXXX. Transunion is continue to report inaccurate information and refuses to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Equifax after many attempts to have a collection from XXXX. XXXX removed from my credit report. I have never had an account with XXXX XXXX. When asking for proof of the debt from Equifax as the reporting agency they failed to provide the proof and sent me a letter stating all unpaid collections say on reports for 7 years from date of delinquent. 

This violates all of my rights under the FCRA as well as breaking the law. Along with their unfair practices of not really doing an investigation. I shouldn't even have to take it this far but I will because I do not owe anyone {$80.00} and will not pay for someone's errors
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : 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

Ive reviewed my report snd noticed fraudulent activity on there please remove allfraudulent accounts as it is hurting me from obtaining credit as well as violation. 
and according to 15 USC 1681s-2 they are suppose to 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

In XX/XX/XXXX I refinanced a VA mortgage. During that refinancing process apparently I was overcharged {$150.00}. Ditech Financial did not return that money to me as part of the closing process. Likely they discovered it on a later audit. Although knowing my contact information as it had not changed since the closing they chose not to mail me a check. In early XX/XX/XXXX they did mail me a letter to my proper address, not with a check, but with a claim form to get a check. On XX/XX/XXXX I sent that completed claim form back to them. They still did not send me a check. on XXXX XXXX I received a notice from the Ca State Controller that they owed me money and were asking for it to be forfeited. On XX/XX/XXXX, I sent Ditech an email which they responded to on XX/XX/XXXX wanting another claim form filed. Clearly they don't want to pay me the money. I will upload my XX/XX/XXXX submittal of the claim form as well as its receipt from the Ditech Fax, my notice from Ca California State Controller and my email from an accountant at Ditech again demanding I fill out the same form I have sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account # XXXX {$1700.00}, XXXX XXXX XXXX account # XXXX {$1600.00}, XXXX XXXX XXXX  account # XXXX $ XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any one permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, TransUnion has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA. 

I have attached the first page of the four dispute letters that I sent to TransUnion, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that  notarized the dispute letters.
Product: Mortgage

Ocwen Loan Servicing, LLC- took over GMAC Loan Servicing the prior servicer of my Mortgage. Ocwen sent a Loan Modification form to me to be completed as of XX/XX/2013. 
However, Ocwen does not live to the promise of the modified document. 
1. Ocwen increased our principal or the balance owned from {$58000.00} to {$84000.00}. 
2. Ocwen does not waive the past late fees, past balance and all the attorney fees as promised during the modification. 
3. Even we made 39 payments after the modification documents, ocwen have already file for foreclosure on us. The Interest rate is higher than the current rate. 
4. I called Ocwen Ombudsman office I spoke with XXXX XXXX and I have explained to him that " Ocwen did not sign the Modified document and did not respect their promises so ; we need a new modification with accurate amount. But, Ocwen fails to do it. 

I do need help to resolve this issue before Ocwen repossess my property Please Help. 
Thanks, XXXX XXXX, XXXX and XXXX XXXX XXXXXXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX TEL. XXXX