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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

This is in addition to my complaint filed earlier today. 

In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?
Product: Checking or savings account

On XX/XX/2XXXX I used the Chase ATM on the street. On XXXX XXXX XXXX XXXX XXXX XXXX, the phone showed Chase Bank, called me and claimed that an unauthorized transaction happened. The woman on the phone said she was the staff of Chase Bank and had all my information ( including address, account number, etc ). She said she is trying to help me. Then at XXXX, there are three ATM transactions happened. I called Chase Bank fraud apartment immediately. Chase Bank gave me temporary credit and began the investigation. On XX/XX/XXXX Chase Bank closed the investigation and believe that the transactions were correctly processed and authorized. They will remove the temporary credit.
Product: Credit reporting or other personal consumer reports

The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately. I sent a dispute letter over 9 months ago, and Transunion failed to verify this account, yet XXXX and XXXX have since deleted this account. I am requesting that the following account is removed from my credit report due to FCRA violation. Attached is the dispute letter which is dated, and time stamped. XXXXXXXX XXXX XXXX
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 : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : ATTYGENERL Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you state you verified this account I need order from judge or a Notary Republic that this is verified because it is not under the law state and federal Ill wait your decision before I take you to court for fraud 30 day no more, you have lied on you investigation when you state it was accurate and even now it is not I fell you need to be taken to the wood shed on this,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record? 

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe XXXX {$3000.00} or my account was charged off {$3000.00} XXXX, This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Wire Transfer money from My XXXX  XXXX XXXX Checking account to the Banks list below -- XXXX Fraud department called to verify and refused to perform the transaction due to the potential fraud involved the list of banks below. 

Whereas Citibank performed the wire transfer to the banks list below and their Fraud department only asking a couple of simple questions more importantly, the Fraud department did not call me to verify the wire transfer transfer ( not every wire transfer transaction ). 

The list of banks/ accounts below : XXXX XXXX ( Bitcoin provider where Bank wire transfer to ) Recipient ( XXXX  XXXX XXXX ) Recipient address ( XXXX XXXX XXXX XXXXXXXX XXXX ) Routing number ( XXXX ) Account number ( XXXX XXXX XXXX XXXX Bank Name XXXX XXXX XXXX  Bank address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  where I sent money for the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Beneficiary Information = XXXX XXXX XXXX XXXX XXXX  XXXX  Address = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number = XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX International name = XXXX XXXX XXXX Name = XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX 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: Debt collection

I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.
Product: Credit reporting or other personal consumer reports

For the past XXXX weeks I have starting XX/XX/year> Me and my lender have been trying to get a credit report from Equifax. Every time we call they give us the run around yet we still can't get the report. I've sent request in writing 3 different times with all my information and updates. Still nothing. Now they are telling us there is nothing else they can do so that I can see my report or for my lenders to get a report. 

When they attempt to get a report it gives them some error saying fraud yet equifax is saying there is no alerts or blocks. Something is blocking the lenders and I from getting the report.
Product: Debt collection

State Collection Services Inc. 

XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} All show open status, derogatory Mark 's, zero amounts owed, remarks on Credit report state XXXX Bankruptcy Chapter XXXX. I have contacted them thru multiple letters and emails to please close accounts and provided proof of my Chapter XXXX Bankruptcy as of XX/XX/XXXX. As of XX/XX/XXXX, over a year now ... ... all are are still listed on my credit report. I'm unable, at this point to seek further care from these medical professionals due to these still being listed as BAD DEBT on my medical accounts. All because State Collection Services Inc., has not provided their clients with my updated information.
Product: Student loan

I borrowed {$45000.00} for my daughters XXXX  at the University XXXX XXXX XXXX in XXXX. MOHELA has the loan and is now saying I owe over {$95000.00} plus interest ( acct XXXX XXXX XXXX ). Approximately {$7000.00} was paid pre-pandemic and is missing from my account. My payments are over {$1000.00} per month now instead of the {$350.00} to {$400.00} I should be paying. I paid {$6000.00} in the past few months but am still behind. I am a federal employee and tried to use that to get a reduction since MOHELA will not fix their mistake. That failed too. My daughter, XXXX XXXX was not a borrower since it was a parent loan. She is not a co-signer but it is now on her credit report as of today. I need this loan fixed so I can pay it and fix our credit. I am not looking not to pay anything. I want to pay only what I owe. Plus who knows if any of us will have a job in a few weeks. I am XXXX and can not guarantee I will ever get another job if my agency is gutted. Plus what happens if the government shuts down in XXXX? I am an essential employee and have to work whether I am paid or not.
Product: Checking or savings account

It was an offer that if I open a savings account and make three deposits over 3 months you would get a {$100.00} bonus award added to your account- knowing that these things are tricky to navigate I called the bank directly and requested a rep walk me through the process and they did. After three months when I did not receive the award I called and told them my story and how I had the rep walk me through it and the bank did follow up and check the tapes of my call and indeed the rep was incorrect in their instructions so i would be granted the {$100.00} in XX/XX/2022 when the promo ended. Just keep your money there I was told. XXXX came and went and I called once again. This time to be told the manager who granted that solution was no longer with the firm and I should forget about it they r not doing it and on top of it charged me a service fee! They did reverse the fee but that was all they did. The rest hangs in limbo. I feel misled and taken advantage of quite powerless. I am asking for your help to resolve this as it is still an open issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. " " I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
" To ensure a prompt and equitable resolution of this matter, I propose the following actions : It is imperative to correct the inaccuracies in my credit reporting promptly. I request compensation for the financial losses incurred due to the inaccuracies. Additionally, updating records with the correct information is necessary to prevent future issues. Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681n, there is statutory civil liability for willful noncompliance, which includes liability for actual damages sustained by the consumer, ranging from a minimum of {$100.00} to a maximum of {$1000.00}, or {$1000.00} in cases of obtaining consumer reports under false pretenses. Potential punitive damages as determined by the court, and reimbursement of legal costs and reasonable attorneys fees associated
Product: Credit reporting or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX These are the marks that I wish to be removed and updated as payment on time
Product: Mortgage

I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time.
Product: Payday loan, title loan, or personal loan

CB INDIGO/GF XXXX XXXX INDIGO - XXXX XXXX  XXXX XXXX CB INDIGO XXXX XXXX I recently verified my latest credit report and I noticed that you have reported late payments on this account. I have previous credit reports from the above-mentioned agencies that reflect my account accurately as paid on time and I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. 

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under sub-paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).