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

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy. 

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXXXXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

I need Wells Fargo to resend information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Back to all 3 'credit bureau agency because they are currently only reporting minor accounts I had years ago And because these accounts are no longer on my credit reports it looks as if my credit history is thin Therefore can you post both of the account information and payment history back to XXXX XXXX XXXX and XXXX
Product: Credit card or prepaid card

I reached out to the company in XXXX of 2020 explaining to them that i lost my job due to covid-19 and i would settle to complete the debt. They turned me down and i got a letter in the mail about a court date. i know can not do anything with my credit to help my family during this hard time. They are not supposed to reporting to my credit during Covid-19 and yet here we are.
Product: Debt collection

Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : TRANSUNION, XXXX, XXXX Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Product: Credit reporting or other personal consumer reports

My own mom decided to give a credit card to a friend with my name and social security under it. Her friend combined all her debt and put it under my name. I couldn't get a loan for a car because of this debt that I was never told about because it was kept a secret. It's effecting my credit score and my mom refuses to take away the debt under my name that's not even the money I owe.
Product: Debt collection

XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX XXXX XXXX number provided on credit reports for this account. 
from XXXX XXXX XXXX XXXX that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX  Account # 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

I have filed several disputes with all three of the major credit bureau, Equifax, XXXX and XXXX. they remove the collection reports from my credit report, but a few mouths after that, they allowed the same illegal and banded collection agencies refile these false reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Lexis Nexis telling me that this item that I dispute ( bankruptcy ) it was removed from the file with LEXIS-NEXIS however, it has not been removed from Lexis Nexis, or any of the credit bruen
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. 
The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. 
I am worried about my money.
Product: Credit reporting or other personal consumer reports

I do not know the XXXX XXXX XXXX account showing on XXXX XXXX 
I have previously Disputed this unknown fraudulent account
Product: Debt collection

TODAY 'S DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX : XXXX XXXX, XXXX COUNTY : XXXX COUNTY In the late XXXX  I went to school at a phony University, in XXXX XXXX, CALIFORNIA, the name of which, is very probably known to you XXXX XXXX UNIVERSITY The STUDENT LOAN, that, apparently, funded my " studies '', at XXXX UNIVERSITY, was, APPARENTLY BACKED BY : XXXX XXXX XXXX, IN XXXX XXXX, SD. 

LATER, A FIRM IN XXXX, INDIANA, BEGAN TO RECEIVE MY PAYMENTS FOR THIS SO-CALLED LOAN, FOR MY STUDIES, WITH THIS ABSOLUTELY PHONY UNIVERSITY : THE NAME OF THIS VERY PROBLEMATIC CREDIT COLLECTOR, IS, PREMIER CREDIT OF NORTH AMERICA, LLC XXXX XXXX XXXX XXXX, IN XXXX [ XXXX ] XXXX - XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX It has lately come to my attention, that I have been making extortionate payments, to pay for a debt that I DO NOT OWE, because XXXX UNIVERSITY, IN XXXX XXXX, CA. WAS NEVER, NEVER, EVER, A LEGALLY, AND DULY ACCREDITED UNIVERSITY. Further, I have been paying this extortion, to PREMIER CREDIT, UNDER THE FALSE ASSUMPTION, SINCE XXXX. I HAVE BEEN PAYING MY MONEY, FOR AN " EDUCATION '', THE CREDENTIALS OF WHICH, ARE WORSE THAN WORTHLESS. 

GOALS : I BELIEVE IT IS ENTIRELY REASONABLE FOR ME, TO REQUEST, THROUGH THESE AUSPICES, AND THESE CHANNELS, TO GET MY MONEY BACK. I KNOW AND BELIEVE THAT A FULL, AND TIMELY REFUND OF MY MY UNKNOWING, AND UNWITTING PAYMENTS TO THIS FIRM OF PREMIER CREDIT FIRM, ARE COMPLETELY AND WHOLLY AND MORALLY JUST, AND PROPER. 

FURTHER, AND ADDITIONALLY, ON XX/XX/XXXX, XXXX XXXX XXXX  INVESTIGATIVE REPORTER, XXXX XXXX, WROTE A LENGTHY, AND THOROUGH, AND ACCURATE ARTICLE, ON THIS UTTERLY FAKE AND PHONY " UNIVERSITY '', AND HOW XXXX UNIVERSITY   HAS GOUGED AND ROBBED DECENT CITIZENS, OF MONEY, AND HARD WORK, TO OBTAIN AN EDUCATION. 

Thank you, XXXX XXXX XXXX DOB : XX/XX/XXXX CELL PHONE NUMBER : [ XXXX ] XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I had a Wells Fargo credit card inquiry on my credit history that I didnt apply for on or about XX/XX/year>XXXX XXXX
Product: Debt collection

I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date.
Product: Mortgage

We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my accounts.
Product: Debt collection

XXXX XXXX XXXX bought my medical debt from XXXX XXXXXXXX XXXX and never sent anything and then reported to credit bureaus which as of XX/XX/year> is no longer legal for them to do.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 my citizens business account was cleaned out and put into the negative from wireless transactions made with my business debt card number though XXXX XXXX and XXXX XXXX reported to the bank on XX/XX/2023 and went to the bank on XX/XX/2023 to replace my business card and reported the fraud they did not do anything on my behalf on XX/XX/2023 I called the citizens claims department and found out they never did a fraud claim on my business account so I had to do one over the phone on XX/XX/2023 I called today XX/XX/2023 the claim department and they told me that no fraud happened I told them I want the fraud claim to be reviewed again. XXXX dollars was taken from my business account and made my account go into the negative and overdraft fees .they are refusing to refund my business account of the money taken from me I had enough they don't care they are no help for people that work hard for there money they are not protecting the bank customer and small business owners
Product: Vehicle loan or lease

Hello, I currently have a total of [ XXXX ] unauthorized HARD INQUIRIES that are affecting my credit score and my every day livelihood. 

I arrived at a car dealership located in XXXX, Texas and spoke with their finance manager about a XXXX XXXX XXXXXXXX XXXX XXXX Well at first I wasn't able to get approved for no car loan but after a XXXX hour waiting period I was approved with a company in California named ; Westlake Financial Services. I'm pretty sure you all know their history with consumers who possess bad credit. Anyway at the time I was there at the dealership waiting to get the keys and drive off a happy pre-owned car owner ; little did I know XXXX XXXX in XXXX, Texas used my social security number multiple times without my consent nor my permission while I was their present to all these different auto finance entities, therefore causing bad credit worthiness for me. I can't get anything in my name without a cosigner at XXXX XXXX XXXX XXXX I am so embarrassed typing you all this but I need someone's help and assistance to get back on my feet. 


I received the keys to the XXXX XXXX XXXX in XXXX. 

Inflation is so high. The interest rate on the vehicle takes almost all of my {$720.00} payment each XXXX of the month, I can't even get the current principal on the vehicle to decrease. It's so hard on me right now. 

I tried to refinance the vehicle with Westlake Financial Services and they say ; " No. We don't and can't refinance the vehicle. " That XXXX 

I just feel stuck and cursed with all of these hard inquiries on my credit report file. 


Thank you for whatever you all ; someone, anybody that can bless me
Product: Checking or savings account

Fraudulent activity. Stolen funds. Capital did absolutely nothing to solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XX/XX/2021 page 8 of 10 Telephone numbers is not my phone number. Show proof of this number belongs to me XXXX from the phone provider. Stop putting false information on my credit file.
Product: Credit reporting or other personal consumer reports

Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or Transunion after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named XXXX XXXX has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to XXXX XXXX for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Mortgage

THIS IS MY SECOND COMPLAINT FILED AGAINST OCWEN LOAN FINANCING. THE FIRST COMPLAINT WAS FILED XX/XX/2015. THE COMPLAINT NUMBER WAS XXXX. FOUR YEARS LATER, THERE ARE STILL MANY UNRESOLVED ISSUES. OUR LOAN WAS TRANSFERRED FROM XXXX XXXX   TO OCWEN LOAN SERVICING. WE STARTED GETTING DOCUMENTATION IN TWO DIFFERENT NAMES. WE WERE ONLY AWARE OF ONE LOAN. HALF THE DOCUMENTATION SENT IN THE ANSWER TO THE ORIGINAL CFPB COMPLAINT WAS STILL UNDER TWO DIFFERENT NAMES. THIS WAS EVEN FOUR YEARS AFTER OUR PAYMENTS WENT MISSING. THIS APPEARS TO STILL BE AN ISSUE. OUR PAYMENTS WERE NOT BEING PROCESSED. WE WERE BEING SUED FOR A DEFAULT, ON TWO DIFFERENT LOANS, ON THE SAME PROPERTY, AT THE SAME TIME, BY THE SAME MORTGAGE COMPANY. A FORECLOSURE WAS STARTED. OCWEN SAID TWO OPEN LOANS SHOWED UP UNDER MY SOCIAL SECURITY NUMBER. AFTER OUR COMPLAINT TO CFPB, OCWEN SAID, ONCE WE MADE THEM AWARE OF THIS ERROR, THAT THERE WAS ONLY ONE LOAN, THE ERROR WAS CORRECTED. OCWEN ASSURED US THE PAYMENTS WERE PROPERLY APPLIED BUT THIS WAS FOUR YEARS AFTER THE ORIGINAL FORECLOSURE. SINCE THAT TIME, FIVE DIFFERENT FORECLOSURE ACTIONS HAVE BEEN FILED AND EITHER DISMISSED OR THE SALE AUTHORIZATION DENIED. OCWEN KEPT FILING FORECLOSURE LAWSUITS WITH NO RESOLUTION TO THE ORIGINAL MATTER. THESE FORECLOSURE LAWSUITS HAD TO BE DEFENDED. OVER {$12000.00} IN FORECLOSURE FEES AND COSTS HAVE BEEN ADDED TO THE AMOUNT TO CURE THE MORTGAGE LOAN. EVEN THOUGH THE MORTGAGE COMPANY ADMITS THEY MADE THE ERROR, THEY REFUSE TO CREDIT OUR LOAN FOR THESE ILLEGAL FORECLOSURE FEES. WE HAVE ALSO INCURRED TENS OF THOUSANDS OF DOLLARS IN ATTORNEY FEES. WE ARE BEING REQUIRED TO PAY ALL THE FEES AND COSTS THAT RESULTED BECAUSE OF OCWENS ADMITTED ERROR. THE PROPERTY IS CURRENTLY, AGAIN, IN FORECLOSURE. WE REQUESTED CURE FIGURE OVER 90 DAYS AGO AND THEY HAVE STILL NOT BEEN PROVIDED TO US. WE WERE SUPPOSED TO GET THESE CURE FIGURES WITHIN 10 DAYS AFTER REQUESTED. THE REQUEST HAS BEEN IGNORED. WE HAVE BEEN TOLD THAT IF WE SENT IN TO OCWEN, ONLY THE AMOUNT WE THINK IS DUE, THE FUNDS WILL BE RETURNED BECAUSE THEY ARE LESS THAN THE TOTAL AMOUNT OCWEN DECLARES IS ACTUALLY DUE. OCWEN IS NOT INTERESTED IN ALLOWING US TO CURE OR PAY OFF THIS LOAN. OCWEN FORCED A FORECLOSURE THROUGH AN ACCOUNTING ERROR. THEY ADDED EXORBITANT FEES TO THE LOAN BALANCE AND WILL TAKE THE HOME THROUGH FORECLOSURE IF WE CANT PAY THESE FEES. THAT IS NOT JUST COMPENSATION FOR OCWEN ; THAT IS OCWEN TAKING OUR HOME ILLEGALLY. WE SHOULD NOT HAVE TO PAY LEGAL AND FORECLOSURE FEES FORCED ON US BY A MISTAKE CAUSED BY OCWENS OWN ADMITTED ACCOUNTING NEGLIGENCE.
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  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.