23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A verification of employment was sent to my job today. I had no idea that this account was even outstanding. I called the company Western Control Services and talked to XXXX different reps, no one properly verified my info just my name, no one gave the Mini Miranda to me either. I was told that a woman that I have never heard of was served my lawsuit paperwork so I was really never even informed of this lawsuit. I tried to work out an arrangement with them and was told that I had to pay the bif off within 3 months.
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 : XXXX XXXX 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: Mortgage

Ditech Financial LLC holds our mortgage for our home. Ditech has only recently corrected our address so we receive mail from them, they have mailed all correspondence to our street address for years although we have tried to correct the address multiple times especially in the beginning of our loan ( XXXX ). We eventually gave up and set up an ebt account so the payment came out of our checking account each month. We pay our own taxes and insurance. Ditech decided in XXXX of XXXX that we had not purchased homeowners insurance and did that for us and started an escrow account. Ditech took the principal and interest plus escrow as the ebt payment for XX/XX/XXXX. We noticed this right away and my husband called them and in a few months they refunded the overpayments and acknowledged that our homeowners insurance was in force and that we purchased that insurance ourselves. Our current homeowners insurance policy runs from XX/XX/XXXX through XX/XX/XXXX. When Ditech took the incorrect amount electronically from our checking account we cancelled the ebt autopay and started sending them checks for the principal and interest. We again tried to correct our mailing address so we could get payment coupons. No success. We just copied an old coupon and mailed it with the payment each month. In XX/XX/XXXX Ditech once again decided we did not have homeowners insurance and opened an escrow account. When we mailed our principal and interest payment for XXXX it was not sufficient to cover the whole amount and Ditech put our payment into a " hold/suspension '' account awaiting complete payment. They mailed the notice to our street address, we did not receive it. We mailed our principal and interest payment again in XX/XX/XXXX. On XX/XX/XXXX we received an email from XXXX Credit Card that they were lowering our credit limit due to a bad credit report from Ditech. This has caused us much distress, worry, anger, frustration. We contacted Ditech. Although i know it is incorrect i paid the escrow amount due in an effort to avoid more negative credit reporting. I have called them almost every day since XX/XX/XXXX. Everytime I talk to a different person and have to explain the whole issue again. I do think Ditech has finally updated our mail address in their system. Their insurance tracking department confirmed they have our homeowners insurance policy and it is effective XX/XX/XXXX through XX/XX/XXXX and the insurance tracking dept conferenced with customer service to confirm this. Insurance tracking said that information has been available within Ditech since XX/XX/XXXX. I want Ditech to remove the negative credit information from our credit report RIGHT AWAY. I want Ditech to refund our money for the escrow account. I want Ditech to confirm this will not continue to be an issue every few months. I want Ditech to acknowledge that our XXXX payment is principal and interest only. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and realized I'm a victim of identity theft. I seen XXXX unauthorized inquiries from XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian XXXX XXXX  XXXX  # XXXX XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX Equifax XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX TransUnion XXXX XXXX  # XXXX XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX  # XXXX
Product: Student loan

I requested a refund from XXXX for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and XXXX told me that my loans had been transferred to Aidvantage who would be processing my refund. I called Aidvantage who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on Aidvantage 's website and they are unable to find a record of my account.
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. 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. XXXX5 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Experian over what they have on my report for the last 2 years, they keep stating that my student loan was included in a bankruptcy and I have already sent proof that it was paid in full. They keep stating that the information is not sufficient. I have sent the even a letter from the Dept. of ED stating that it was paid in full and not included in a bankruptcy ( which is not allowed by the way in CA ) and they don't change anything. I believe that they are just rejecting the claim and not investigating anything. they are hurting my credit score because I have to pay higher interest over something is not even accurate. they need to fix the problem or at least update my credit report. Attached is another letter from the Dept. of Ed dated XX/XX/2018, stating that it was paid in full and that they can contact them to the XXXX. XXXX XXXX XXXX XXXX is they wish to confirm the information.
Product: Debt collection

I was taken to court by Portfolio Recovery in XXXX of 2017 for an XXXX XXXX and a XXXX XXXX account that was n't mine. I told the lawyer that the accounts were n't mine but I was still told that I would have to pay these accounts or I was going to have my wages garnished! So on XXXX XXXX 2017 I made a payment of {$900.00} to the XXXX XXXX account and {$500.00} payment to the XXXX XXXX account. Also on XXXX XXXX XXXX I made an additional payment of {$100.00} to the XXXX XXXX account. I 've gone back and forth with Portfolio Recovery and the Credit Bureau for months trying to get some answers. On XXXX XXXX 2017 XXXX proved that those accounts did not belong to me and now Portfolio Recovery does n't want to refund me my money. I spoke with agent XXXX XXXX ID number XXXX in the dispute department in XXXX 0f 2017 and he told me that if the accounts came back as not mine that I would be refunded my money. Now now one will let me speak with him and keep telling my that they would never say they would refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX no contract or signature
Product: Debt collection

They are reporting an account that I am unfamiliar with. I have written in and requested information, they say my request are duplicated but still have answered the original request for information. This is not my account, and I am not sure why they are reporting it.
Product: Checking or savings account

I deposited a three party check it was my niece 's XXXX XXXX XXXX XXXX XXXX we waited the ten business days and followed all that they told us and we were assured that all was good then after the ten days of waiting and check was verified and all was legit they then froze my account and want a phone # off of the credit report but that takes 60 to 90 days to report to the credit bureaus but they said only have 30 or they close my account and keep the funds it's impossible to verify the way they want us to is the time period they want that's her XXXX money she is in great need of that
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Mortgage

I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.
Product: Credit reporting or other personal consumer reports

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2. 

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically, i also did a debt validation and the company defaulted which was sent to all 3 credit bureaus
Product: Payday loan, title loan, or personal loan

Receive this loan through information online and over the telephone. Was told my payment would be a certain amount ( under {$200.00} ) and when the monthly payment was due, the amount was twice as much ( {$460.00} ) as the guy told me on the phone ...

I borrowed {$2500.00} and with in four months The loan has ballooned to {$8100.00} ... I was misinformed, the statements that are sent to my house are inconsistent with the online account balance, when you call the customer service reps, they talk in circles and use language and jargon the average person cant understand ...

This Company is out to manipulate and steal peoples money. They are vultures
Product: Mortgage

Hello, I have had trouble with my mortgage company. I am in a trial payment plan, that should have ended. I have made payments on time, but yet Amerihome has not granted and the payment plan on a permanent basis. They are also reporting this account late on my credit. When I asked about the modification, I was told that they have just taken over XXXX accounts from XXXX. That has nothing to do with me. I want my modification permanent that has been long overdue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

There is a {$2700.00} charge from XX/XX/2020 for an eviction from XXXX XXXX XXXX XXXX, XXXX XXXX PA ( XXXX XXXX XXXX XXXX ( XXXX ), currently XXXX XXXX XXXX. ) I have documentation from the district court that I was never evicted from this address. XXXX did not have me as a former tenant or evicted. XXXX at XXXX has authorized consent for you to reach out with any verification needed. I never lived here or rented from an apartment complex by this company. 

I believe this was a case of identity theft and it is an outstanding incomplete charge.
Product: Credit card

The company Care Credit provided me with XXXX credit limit for use. On my XX/XX/year> statement a {$5400.00} charge was added to the card with the explanation that some promotion I had expired. I was unaware that I even had a promotion and that it was expiring. I called the company around XX/XX/year> when I noted the charge on my statement to which the company responded that I was 3 days post the disputing date. The surcharge has dropped my credit score as it now shows I'm using XXXX XXXX of my credit on this card. My credit has dropped like XXXX points. Additionally, I cant keep up with the significantly higher monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name I go by is XXXX XXXX, the Consumer Reporting Agency has it listed as XXXX XXXX XXXX, I would like this updated. I also have several inquiries that I did not authorize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraudulent information within 4 business days of you receiving this complaint. This fraud, inaccurate and false information consists of personal credit card accounts open at 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 XXXXXX/XX/XXXX that resulted from one of the aforementioned fraudulent accounts. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections or hard inquiries as reported. These accounts, collections and inquiries maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal complaint # XXXX 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 reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

EQUIFAX MORTGAGE SER XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately.
Product: Debt collection

Since 2020 I.C System has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

I underwent a background check with Checkr, and it revealed inaccuracies due to missing driver 's license information. The information retrieved was linked to an identity theft case. Despite my efforts to correct this, Checkr declined to make the necessary changes. The Department of Public Safety has since issued me a new driver 's license. When I asked Checkr to update my potential employer, they insisted on another background screening purchase, which the company can not afford. I am willing to cover the expenses, but Checkr refuses to update my information unless the employer makes the purchase. Other companies have hired Checkr, and the information is now accurate. Your assistance in mediating this matter with Checkr would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XX/XX/2023
Product: Debt collection

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. XXXX XXXX XXXX customer associate said they don't report to the bureaus until the XXXX or the XXXX  of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.