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

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX : {$2100.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Mortgage

Please provide information on the month/months that the mortgage company is claiming were missed mortgage payments that have my account not current?
Product: Debt collection

It was suppose to be a company that help your credit you pay XXXX dollars and in so many months you can be eligible for a self credit card. I seen no increase in my credit so I withdraw my decision to continue with them. I never took a loan out with them. I never had no legal contract owing them any money. So how can they report to your credit as if you got a loan with them and then report to your credit report that negative and that you have late payments. When you never took a loan out with the company. I have disputed it. And it keep coming back saying updated. I dont understand. XXXX just trying to get it removed from my Credit because it shouldnt be there cause, I dont owe this company any money instead of helping my credit they damage my credit. The negative information have to be on my credit for XXXX years when I never took a loan out with them, and XXXX sure this happened to other people. I need to have this removed from my credit.I reached out to them by phone no answer, I also emailed them no response back. Please help!
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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The Experian/XXXXx Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Product: Credit card or prepaid card

They are restricting access to my financial data. I am using a program to help me reduce debt and I need it to be able to connect to my account but Capitol One is not allowing that ability. I have the right to my financial data through whatever means I deem suitable. It is a violation of my rights if they restrict access to my financial information
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 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 fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  on XX/XX/XXXX, capital XXXX via dealer on XX/XX/XXXX, XXXX lease only XXXX on XX/XX/XXXX XXXX. List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Transworld Systems a collection company has been calling my home and cell phone number repeatedly. I do not owe any debts. They are not honoring the written request to prove a debt and to cease communications. 

I have gone through this with another company and despite sending certified letters requesting proof of a debt, cease and desist phone calls and to only communicate in written form, I still received multiple calls each day to my home and cell phone. I used CFPB and the company 's response was they realized I was not the person they were looking for. I will be pursuing this in a court matter.
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 un
verifiable 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 {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX  XXXX XXXX  {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account XXXX XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX
Product: Mortgage

Applied for a refinance with PHH Mortgage, and they can not tell me why they can't get my home appraised, appraisal came out on XX/XX/21 and said he would have it done on XX/XX/21 called PHH Mortgage around. XX/XX/21 and was told that they were not able to appraise and they are going to another appraisal co. And they extended my loan application for another 30 days, I got back with PHH on the week of XX/XX/21 and they told me that they still can't get it appraised, I called back on XX/XX/21 and they still can't get appraisal and not able to tell me why, then on XX/XX/21 they turnamated my loan application, they called me today XX/XX/21 and told me it's because they can't get my home appraised and can't not tell me why cause they have no answer to why, so now I can't get the interest rate of XXXX cause interest rates when up, and I can't get any information about the loan cause we did the e file and I can't find any information except the little bit I have in emails
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 An 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: Debt collection

This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?
Product: Credit card

I contacted Capital One multiple times regarding the information on the credit report, validating the payment received on XX/XX/XXXX as late, and the payment on XX/XX/XXXX as late, and the payment from XXXX XXXX. I have sent letters to the Capital one, requesting details to prove when they did receive a payment and verifying that it was late, They have not provided the information or verified the account or proved satisfactorily that the payment was late I believe that the reporting of the late payments were not credited I kindly request that your office investigate this manner, Correct or remove the inaccurate late payments from my credit report, and provide written correction. That under the 15 USC 1666b this is in violation of this and would like this resolved. 

I have disputed the accuracy with Capital One, I have disputed with the bureaus, I have requested multiple times that this be corrected, and they have not
Product: Debt collection

Back inXX/XX/XXXX I gave a debt collector representative from National Credit Services my information to process one payment of XXXX on XX/XX/XXXX. They took my information and processed two payments of the amount stated above, which caused my bank account to go into a negative. Due to this unauthorized payment they processed twice, I was negative in my account with XXXX XXXX. I filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX case number XXXX. They looked into this issue, had the bank do a reversal of payment because of my information being abused. Also this same company that abused my information ( National Credit Services ) sent me a two separate letters, stating my must sign authorizing the payments. I refused to sign and brought this letter to XXXX XXXX to scan and save. Today two National Credit Services representatives on the same line, called me on the phone at work, hassling me for my information and payment. I explained to them i 'm at work and am uncomfortable with giving them my information, due to the prior unauthorized payments. However I was willing to set up a monthly payment of {$100.00} usc on their online site. They explained to they were n't going to accept my monthly payment and said i was refusing to pay my debt, threatened to ruin my credit and keep me from being able to unfreeze my account and go back to and city or state school. Then, hung up on me.
Product: Debt collection

XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXX and all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
Product: Credit reporting or other personal consumer reports

I have been disputing a identity theft/fraudulent accounts on my credit. I have provided documentation that the account ( s ) was due to fraudulent activities. I filed a FTC report and gave my report number for proof. I was told once the FTC report was filed that the items would be deleted. Months later those items are still reflecting my credit and the bureaus are refusing to delete those items. In addition, I am XXXX ( SSD ), I have NO drivers license and Im XXXX  XXXX
Product: Mortgage

Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month. 

On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.
Product: Mortgage

I am requesting your agency 's assistance concerning the actions of my mortgage loan servicer, Nationstar Mortgage ( " Nationstar '' ). On XX/XX/2016 I logged into my Nationstar online account to pay my mortgage, as I have done so since the company began servicing my loan. I noticed the company 's website had changed since I made my last payment in XX/XX/XXXX. When I brought up the Payment Overview screen, I noticed a charge of {$520.00} in fees. I checked several of my past monthly online statements and noticed the company charged a late fee in the amount of {$57.00} each and every month. 

Prior to XX/XX/XXXX the Payment Overview screen showed the following categories : Payment Amount, Transaction fee ( {$9.00} ), Additional Escrow and Additional Principal. While I ca n't access the old payment screen, I did locate a payment confirmation email that includes the aforementioned categories. At the company 's encouragement I switched to paperless statements shortly after Nationstar modified my loan and I paid my mortgage within 30 days of the due date. When I made my prior monthly payments, I assumed that all charges were included on the Payment Overview screen and therefore did not access the online statements every month. I have attached copies of the Payment Overview screen, online statements for the last three months, the Payment Activity screen, a payment confirmation email from XX/XX/2016 and a payment confirmation email for XX/XX/2016 for reference. 


After making my payment I called Nationstar and spoke with XXXX. I told her that it is not fair to charge a customer fees or any other charges due ( including those accumulated in prior periods ) without showing them in the current Payment Overview screen. XXXX said it is the customer 's responsibility to review all documents " made available and include them in the payment. '' I asked XXXX why the company was able to list transaction fees, but did not list any other fees on that same screen until it discontinued the transaction fee this month. XXXX said she would not waive any of the late fees. I then spoke with XXXX 's supervisor, XXXX XXXX. XXXX XXXX said the company informed me of the late fees in the " note. '' I have attached a copy of the loan modification documents from XXXX XXXX XXXX ( the prior servicer of the loan ) and Nationstar. Nowhere does it reference late fees nor a dollar value for said fees. XXXX XXXX became curt with me and said " I 'm not going to argue with you. ''
Product: Credit reporting or other personal consumer reports

I am writing to complaint to ALLY FINANCIAL about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Debt collection

1 ) Portfolio Recovery Services Account - XXXX Amount : {$11000.00} Address ID : XXXX XXXX ) 1 ) Portfolio Recovery Services Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX
Product: Credit card

I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.