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

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.
Product: Debt collection

I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.
Product: Debt collection

Debt was included in husbands bankruptcy and company has repeatedly denied removing it from account and is still marking it delinquent after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 606B ( 15 U.S.C. 1681c-2 ) that XXXX, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint. Accounts : XXXX XXXX XXXX XXXX XXXX and XXXX I have attached supporting documents to assist in this matter.
Product: Vehicle loan or lease

I bought this car in XXXX of 2023 I paid {$4000.00} down payment then when my payment was only {$3000.00} left the dealership sold it to the credit union I .did n't know they did this, without telling me .the credit union never sent me a letter welcome package.. I dont did any agreement or contract with them. I bought car from XXXX XXXX. Buy here pay here.. I paid off 80 % payments.. now American Credit Acceptance company took my car. Now they force me for pay them {$4000.00} for car back .. Im helpless. I cant continue my job without car. I cant afford that much. Im in financial hardship.. I have all the documents. I make dispute on credit bureaus. Its under investigation. Still they dont took my car force me and treated me.. I dont buy from American and I dont have any agreement with American Credit Acceptance.. I tried to contact them and request them but no solution.. please help me out get my car back. I dont want loose my job and I dont want to homeless..my family depends on me..
Product: Mortgage

On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated. 

On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report. 

On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day. 

On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN. 

On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours. 

On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something. 

It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my last complaint about the 30day late payment in XX/XX/2020, Lakeview agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on XXXX.
Product: Mortgage

Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.
Product: Credit reporting or other personal consumer reports

Iam wrinting to disputed account on my credit report that were made without my consent .according to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE HARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit, loans. XXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent 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 aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.
Product: Vehicle loan or lease

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX
Product: Mortgage

Our mortgage was sold to BSI Financial over one year ago. We have never had any issues with our previous mortgage company, but now all we have is trouble. BSI asked for proof of homeowners insurance and we provided it. We provided it 3 times! and had two " 3 way calls '' with BSI 's third party insurance company. 
In the meantime, they " sold '' us their insurance and charged us. We would send in our mortgage payment and they would XXXX it to an escrow account, showing our mortgage as late. We tried calling them dozens of times, and got incompetent customer service people and now we are at the end of our rope. 

As I write this, we are on hold on a Friday evening, waiting for one of their representatives to pick up. We got no answers ... ..only confusion when trying to resolve this issue. I would like to remortgage, but they put us as delinquent on our loan. We have no financial issues, we can easily pay our mortgage, but due to this downgrade we are at the mercy of this company. 
This needs to be resolved as we believe there may a violation of mortgage law.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Navy Federal credit Union was letting Chargers go through and then charge me extra fees without my knowledge
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from UPSTART Account number : XXXX Reported XX/XX/2022 on my consumer report. Ive called Upstart and sent a letter out certified mail green return receipt signed from them and still no reply, asking them on the phone for the 1099c that they filed the taxes on, so I can report it as income and they told me that they do not have it. THAT IS TAX FRAUD and I am demanding this account to be deleted from my consumer report. They also said that they sold the account to XXXX XXXX XXXX, however XXXX XXXX did not furnish the inaccurate information on my consumer report, UPSTART did, So Upstart must delete this inaccurate information from my consumer report. Not only did Upstart get a tax break they've also sold the alleged obligation to another company XXXX XXXX XXXX which is a benefit to Upstart. I feel used. This company have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXXThe IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for multiple inaccuracies on my credit report, which have recently come to my attention. The discrepancies pertain to my personal information, and unauthorized inquiries. The inaccuracies include : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX. 

The credit report contains outdated and incorrect addresses, which are no longer associated with me, and I request that it be updated accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. My credit report shows several inquiries that I did not authorize. I have not applied for credit or services with the entities associated with these inquiries. I request that you investigate these unauthorized inquiries and remove them from my credit report as they can negatively impact my credit score. 

To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Proof of my correct name and address. 
Documentation supporting the dispute of the collection accounts. 
Evidence of the unauthorized inquiries. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If any of the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

I WOULD LIKE THIS REMOVE FROM ALL CREDIT REPORTING ATTACHED TO ME AS THIS IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with XXXX XXXX I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance
Product: Consumer Loan

I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.
Product: Mortgage

I have been trying to speak with TD Bank agent to pay off a HELOC. I can not get a live person or agent to work wtih to execute the payoff. I called several 1800 # s and never get an agent- even waiting 45 minutes plus routinely within one day. I called a local branch for service and was advised the only way I can payoff the loan is using the 1800 customer service phone numbers. 

TD Bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to gain access to the only account to address the freeze on my account and I am unable to speaking with anyone. The automation will not transfer me to a support agent so that I can get the information need to address my concerns or issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was lost and it resulted in unarthorized opened accounts and charges damaging my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

on XX/XX/2021 i sent out a response to a " debt collection '' team at the time i had not known that my information was illegally obtained by this account name hunter warfield and account number XXXX. also i submitted a report and the courts and credit bureaus stated this case was properly investigated. i sent a cease and diciss letter out and was notified this wouldn't effect my credit because i had paid what was asked when i was supposed to. also the open and close dates fpr these accounts are inaccurate and the date last reported is not accurate. This is ground for removal. they also violated my rights on numerous accounts under the law of 15 U.S.C1681 section 604 A, 15 U.S.C 1681q, and also 15 U.S.C 1692, The bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX