23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 
The complaint is for wrong information to the Credit Bureau about the monthly payment of a car. 

Step 2 : What kind of problem do you have? 
I am XXXX XXXX, cosigner in a XXXX XXXX XXXX car owned by my daughter-in-law XXXX XXXX with the XXXX XXXX XXXX XXXX. 

Step 3 : What happened? 
XXXX XXXX called XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked for a one-month extension for the payment. The person who answered it, and that is recorded by the XXXX XXXX XXXX itself because when I called that company they confirmed that there was a call from XX/XX/XXXX, they told them that there was an extension available and that they could use it for XXXX. That person confirmed that she had already processed the extension before concluding the call and that the next payment would be for XX/XX/XXXX. 
On XX/XX/XXXX, XXXX received a call from XXXX XXXX and told him that it was late for the month of XXXX because the extension had not yet been approved. 
XXXX XXXX as cosigner, I was never notified. They say they called and had no answer on the phone. Suppose that was the case, then they should have sent me an email and they did not do it because they must exhaust all communication possibilities with customers. They contacted me by letter by traditional mail dated XX/XX/XXXX. They never did before. I have the letter in my possession dated XX/XX/XXXX but it arrived at my house on XX/XX/XXXX. 
He had already paid XXXX XXXX on XX/XX/XXXX but was already informed to the Credit Bureaus. 
I found out that my credit had dropped XXXX points from Experian when I logged into my profile on XX/XX/XXXX. I instantly called XXXX and explained the situation. They told me I had to submit a claim. I didn't do it because XXXX, my daughter-in-law, had already done it on the recommendation of XXXX XXXX XXXX. Two letters with the same claim was not wise. On the same day, XX/XX/XXXX, I called Experian and reported the problem and they told me that I had to speak to XXXX XXXX because they are the ones who have to inform Experian that it is an error. 
For 2 years I have been working my credit with total dedication for the purchase of a house. XXXX XXXX approved a loan of XXXX usd in XX/XX/XXXX. I found the house and everything is ready for the closing of the purchase on XX/XX/XXXX. As you should know, the bank will check my credit again before closing. This would cause XXXX XXXX to deny me the loan when it found that my credit dropped 56 points. 
My situation is very difficult because there is only less than a month left until the closing of the purchase of the house and generally this type of claim can last longer. After working so long on my credit, being pre-approved, finding the house and being ready for the closing, it is very disappointing that because of a company ( XXXX XXXX XXXX XXXX ) that mismanaged its work, I lost all the effort and dedication to achieve the purchase of my house. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and noticed several inquires as well as accounts and addresses that I did not authorized. I did notify my local police department upon checking my credit report, and have reached out to all credit bureaus about these accounts with not much success. This situation has caused me financial and emotional stress. I would like the fraudulent accounts removed from my credit profile immediately. Below I will list the fraudulent accounts found on my Experian account ACCOUNT : XXXX XXXX   BALANCED : {$800.00} ACCOUNT OPENDED:XX/XX/XXXXACCOUNT NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$6200.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$3800.00} ACCOUNT OPENED:XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4100.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED :XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$2400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  Fradulent Address : XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX  Fraudulent Inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  ,
Product: Debt collection

Credit report updated with derogatory mark from collector. Debt appears to have originated with XXXX XXXX XXXX, however I have paid XXXX XXXX XXXX in full prior to canceling my service with them. I've received no communication from either XXXX XXXX XXXX or this debt collector about this alleged debt. It is not mine.
Product: Debt collection

My debt should be paid off since I have been paying it for 2 years now. I did the calculations with my statements coming up to this month. I have called numerous times and have left two messages. They have continued to ignore my calls and fail to call me back. My payments are on automatic withdrawal and it just keeps pulling. They will not communicate with me and I feel its a scam and they have collected so much money from me. XXXX XXXX XXXX in XXXX Virginia. They cant keep collecting money, not communicate and then if I cancel my card report that Im still in collection when Ive paid the full amount owed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

There was a charge made by XXXX XXXX XXXX XXXX XXXXXXXX out of XXXX, VA for {$2700.00} on my Ollo card and when I attempted to dispute this as fraudulent XXXX XXXX is still refusing to return the funds. I contacted XXXX XXXX XXXX  and Ollo and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope XXXX XXXX will be able to resolve this huge amount made on my account.
Product: Checking or savings account

We had accounts with bank of america for several years, our account is linked to XXXX  as well as XXXX account as we have been using both companies to buy and sell stuff, on XX/XX/2020 our funds were running low, at this time XXXX tried to withdraw 3 small charges related to ebay shipping fees in the ammount of {$3.00}, {$3.00} and {$3.00} causing a {$9.00} overdraft in our account. 
Bank of america immediatly charged {$35.00} per transaction overdraft fees, bringing the overdraft to {$110.00}! 
Bank of america subsequently returned the items unpaid charging $ XXXXea return item fees, this caused XXXX to represent the unpaid items on XX/XX/2020, XXXX, XXXX charging {$35.00} return item fees each once again. 
in addition on XX/XX/2020 two new charges of {$4.00} were attempted by XXXX, both were returned as well and a total of {$70.00} return item fees were charged! as a result our account balance is now well over {$1000.00} into overdraft entirely due to overdraft and return item fees charged by bank of america! We have tried to resolve this issue with bank of america but they were only willing to refund {$70.00} which is a joke! 
My complaint centers on two factors, first of i consider charging {$35.00} fees on small charges more than excessive and second if bank of america had paid the items initially all the reruns and associated fees could have been avoided
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX
Product: Debt collection

I sent certified registered letters to CAPIO PARTNERS regarding accounts that appear on my credit reports with all three credit bureaus. I requested a DEBT VALIDATION letter and they in turn sent me an " account statement '' which has my last 4 digits of my social security number on them, dates of service, and original account numbers from medical/healthcare facilities. There is also a section with " Patient : XXXX, XXXX XXXX ''. These are all in direct violation of XXXXIPPA Regulations including but not limited to the 18 HIPPA Identifiers. I did not sign a HIPPA letter giving them permission to have this protected health information about me. I am attaching the letters I sent CAPIO PARTNERS and the ones they sent me in this complaint.

Thank you XXXX XXXX
Product: Credit card or prepaid card

I recently opened my credit card XXXX XXXX XXXX XXXX through citi bank. Even after calling multiple times, answering security code, sms verifications, they wouldnt release a security hold on my account. And now I have to wait for them to send a letter through snail mail to verify my identity. Waiting weeks to use my card is affecting my ability to qualify for the bonus, since thats the reason I opened the account and Ive been with Citi bank for a year now. 

I will never open another account with them again.
Product: Credit reporting or other personal consumer reports

I'm victim of Identity Theft, and I've asked XXXX, XXXX and TransUnion to freeze my account from XXXX XXXX XXXX which they have not all done. I've provided all three documentation pertaining to this and they refuse to take any action. I can not do this on my own and I need help urgently!!!
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report too Enclosed are the following : The fraudulent items are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 



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

Experian & XXXX are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cre
dit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checking my credit report XXXX on XX/XX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from Navient to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion on XX/XX/2022 about inquiries on my credit report that are not accurate and are not mine. I never received a response and this is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these inquiries to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to improve my credit and these inquiries are holding my score back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX   XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XX/XX/XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!
Product: Debt collection

I keep getting called and being asked to call XXXX to pay debt or face legal consequences, which is a scam. I do n't owe any debt, and the threat and harassment is illegal.
Product: Mortgage

Unable to access my account online. Lender non responsive in requesting for paper statements. Their website has been nonfunctional for the last couple of months. 

Given my inability to access my account I have no clue my account info
Product: Mortgage

Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual a ) Please provide a complete pay history for the life of the loan. 
b ) I 'm in receipt of your recent Annual Escrow Account and would like a detailed explanation of the various charges. A copy of the same is attached hereto. Specifically I 'm inquirying about the specific fees and charges : - {$1900.00} for Projected ending Balance and " $ XXXX for " Actual Ending Balance '' Please explain this amount What portion is attributed to taxes and insurance etc? 
Is there a force placed policy on my account? If so please provide a copy of the forced place insurance policy and any and all notices you sent me prior to force placing insurance policy on the property. 
{$3400.00} in the Mortgage/Hazard insurance What type of mortgage insurance is this for? 
Please provide a copy of the mortgage /Hazard insurance policy Please provide a copy of the title insurance I was charged for Please provide a copy of tax and title certificate that I was charged for Interest rate Explain how the interest rate was calculated Maturity date Please Explain how the Maturity date was calculated Please provided Loan Report.
Product: Money transfer, virtual currency, or money service

Over XXXX dollars were given out to people without notifying the actual person that the money belonged to. Maybe even over XXXX
Product: Credit card or prepaid card

I was referred to apply for my Amex Everyday card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. Also, their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding several items on my credit report that I have been trying to dispute. Despite my many attempts, my dispute has been ignored, which is unacceptable and has caused significant distress.

As you are aware, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. I am formally requesting that you look into this matter immediately and take the necessary steps to resolve the disputed items on my credit report. If you do not comply with the terms of the FCRA and address my dispute promptly, I will have no choice but to consider the possibility of litigation to protect my rights and ensure compliance with the law. With this, I am asking for your assistance to correct the latew open accounts and remove the charge off accounts : XXXX XXXX Balance Owed : {$7400.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$4000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX OF XXXX XXXX XXXX OF XXXX XXXX