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

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all three bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous accounts that I have no knowledge of. Here are the accounts and dates that Ive found, XXXX XXXXXXXX opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30   days late as of XX/XX/2018 and 60 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Mortgage

Ocwen Loan Servicing , LLC and I entered into a loan modification over a year ago. And have been making regular monthly payments for over a year now. However, Ocwen only choses to credit the payments it decides to deposit on the dates it decides to deposit or in some cases returns back the funds. I send a payment but they never credit it to the account. Ocwen also does not report payments that were made and credited to the account correctly or at all to to the credit agency 's. Ocwen now wants to try to foreclose on my property, but will not except payment from me. Then a new modification Ocwen sent just over a month ago, was signed and sent back with payment. Ocwen accepted the funds only to return them ten days later and file a foreclosure. 
Furthermore Ocwen since the original modification was completed over a year ago has been holding {$45000.00} in my escrow account. Two months of ecsrow is all the that can be held in an escrow account by law. Ocwen is holding over ten times that. 
Ocwen needs to credit my account the escrow overage amount of over {$40000.00}. 
Ocwen is also holding a {$10000.00} insurance claim check they refuse to endorse and mail me for Hurricane damage to my roof. Finally Ocwen is also charging me {$2300.00} a year in flood insurance I do n't need because i am not in a flood zone. And refuses to credit back the insurance payment even though Ocwen has acknowledged the property is not in a flood zone. 
I have been dealing with Ocwen for a number of years and have found them to be XXXX of the most corrupt financial institutions in the nation. I have every intention on continuing to pay my mortgage, but how can i do that if Ocwen will not except my payment. I hope to resolve this problem and the many other discrepancies on my account as soon as possible.
Product: Debt collection

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX XXXX  WAS THAT THIS COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THEY ALLEGED I OWE. WHICH XXXX XXXX FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ). which i am sure your legal counsel will agree that XXXX XXXX  did not do. Lets also not forget that XXXX XXXX  broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. XXXX XXXX '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY XXXX XXXX  is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to XXXX XXXX. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See 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 ), et seq. 2. I am sure that your legal counsel will agree that XXXX XXXX have violated multiple of the above stated laws. IF XXXX XXXX  continue collection activity with not shown me ANY PROOF, nor the FTC OR CFPB that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE FILED A COMPLAINT WITH THE FTC & THE REFERENCE # IS XXXX
Product: Prepaid card

Received a {$3000.00} American Express e-gift card in XX/XX/2023. I was able to use the card by making a purchase online at XXXX and an online purchase at XXXX XXXX-leaving a remaining balance available on the card in the amount of {$1600.00}. According to the instructions, the e-gift card is supposed to be accepted at US merchants that accept American Express cards, but that's not true at all. The e-gift card is not accepted at XXXX, XXXX, XXXX and the list goes on. I called the customer service number and was told the best way to use the card is via XXXX XXXX in stores that accept it. The card worked a couple of times with XXXX XXXX but is now being declined everywhere I try to use it with XXXX XXXX. XXXX Customer Service for these cards is useless and just gives a big run around. This is total fraud and misrepresentation by American Express. I feel like I'm a criminal at this point, just for trying to use the card to access my own money since it's being declined everywhere. Not a happy experience at all and disgusted with Amex!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB Complaint letter to formally request an investigation into and correction of the erroneous account that appear to contain inaccurate and incomplete information on my credit file, as mandated by the Fair Credit Reporting Act. Specifically, I would like to address the discrepancies related to the following account : XXXX XXXX XXXXXXXX Balance : {$3100.00}. I kindly request a thorough review of the Payment History associated with this account. It is imperative to note that the reported late payment history does not accurately reflect my payment behavior, as I firmly believe that I made timely payments. I urge the Credit Bureaus to rectify the erroneous late payments associated with this account promptly. It is essential that the Credit Bureaus ensure the accuracy of this reporting by revising and updating the information in my file accordingly. I expect any necessary corrections to be made promptly and for my credit file to be updated with the accurate information. I trust that the Credit Bureaus will conduct a comprehensive investigation into this matter and take the appropriate measures to rectify and update the information in my credit file as per the provisions of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report
Product: Student loan

I am simply unable to get any response from Nelnet regarding balance, balance history, etc. I have been trying for months to get this cleared up with zero success, and am now at the point of emailing their entire executive team to file formal grievances to prompt a response, which is also not working. See attached email chain. Aside from phone records I didn't take notes on who I actually spoke to on the phone at Nelnet when I called, but the calls have spanned months, also with zero success.
Product: Debt collection

Last year I called and closed my account with Celtic Bank ( continental finance company ) to which they complied. However I had a balance of {$400.00} on the credit card. This company decided to contact a third party collection agency and " assigned '' the debt to them but I never signed off on that which makes their collection practices illegal pursuant to the Fair Debt Collection Practices Act. Additionally, the Credit Card Act of 2009 ( which is part of the Truth in Lending Act ), to be specific 15 U.S. Code 1637i ( 4 ) any closure of an account does NOT constitute default and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor. Additionally, Celtic Bank is supposed to enter into an amortization period of no more than 5 years. I demand that they correct this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries from XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my credit history listed as N/A. When I log into my account I can not view any credit history for myself. It is hard to dispute inaccurate information if I can not view what is listed on Equifaxs website. My personal information was apart of the Equifax breach. I want Equifax to fix this issue so that lenders can get accurate information when considering me for credit. I am trying to buy a house and lenders are reporting to me that I have no credit history. I have been calling for several months asking Equifax to fix this issue and to date nothing has been done. I have already submitted personal documentation to verify my identity as suggested and the problem still exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I discovered an unauthorized credit card account listed, which does not belong to me. I believe this is a result of identity theft and, as a responsible consumer, I feel obligated to take immediate action to rectify this situation.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX at Transworld Systems ( XXXX ) indicating she was attempting to collect a debt from me for XXXX XXXX XXXX XXXX. When I asked her what the debt was she could only tell me it was from a service date of XX/XX/XXXX for {$60.00} and occurred in the state of Arkansas. I explained to her that I lived in Texas and not Arkansas. She could not tell me anything else about the debt. She suggested I call XXXX XXXX XXXX XXXX directly ( XXXX ) .I called on the same day and was told the debt was for a nebulizer for a patient named XXXX . I explained I did not have a child named XXXX. The medical claim was under " XXXX XXXX ''. I further explained that I had never lived in Arkansas and this was not a claim related to any medical care my children had received. The plan was to notify Transworld Systems this was a false claim. Today (XX/XX/XXXX ), I received another call from XXXX at Transworld Systems trying to collect on the debt. I explained to her what happened on XX/XX/XXXX but she stated they had not heard from XXXX XXXX XXXX XXXX. I felt somewhat threatened by her as she stated this would show up on my credit report if I did not pay the claim. When I said I was not worried about that she said " you should be '' and then she ended the call abruptly. I then called XXXX XXXX XXXX XXXX and spoke with XXXX. She did say that on XX/XX/XXXX they sent an email to Transworld Systems requesting to close out this case. XXXX did tell me that the patient did have XXXX XXXX. I also have the same insurance provider but claim had a different policy number on it. XXXX sent another request today to Transworld Systems asking them to close this case.
When I review my phone records, I can see Transworld Systems began calling me onXX/XX/XXXX ( XXXX ). I did not answer that call as I was on vacation and did not recognize the number. They did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called again on XX/XX/XXXX ( XXXX  ) and did not leave a message. They called onXX/XX/XXXX( XXXX ) and did not leave a message. They called on XX/XX/XXXX ( XXXX ) and did not leave a message. I do not want to block these calls until I am certain this issue has been resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActT.he account below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 US.C. 1681 section 602 A.States I havethe righttoprivacy. 51 UCS. 1681c. a ( 5 ( ) Section States : No consumer reporting agency may make any consumer report containing any fo hte following items foinformation : Any other adverse item of information, other than records of convictions of micre, s thatntedates het erpotr by more naht seven years. 51 U.S.C. 1681s-2 ( A ) ( A1 ) person shlal not furnish any information relating to aconsumer to nya consumer reporting agency fi theperson knows or has reasonable cause toveible that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Product: Checking or savings account

This Is XXXX XXXX I had a CHIME account Chime close my account on XXXX XXXX I called them XXXX XXXX they sent me a closure check that I couldnt cash I went to XXXX, XXXXr & XXXXXXXX XXXX  etc. Too trying to cash it but I couldnt do it Then I called chime letting them know I couldnt cash the check so the XXXX  XXXX told me to sent the check back to them in a email address was ( chime XXXX XXXX ) I did so from my email ( XXXX XXXX XXXX ) thats when she told me my check a be here XXXX XXXX I still havent received anything yet.. Then I called them on why my account been close cause chime havent sent me any notifications dealing with closing my account I had {$3900.00} in my account when chime close my account chime told me they was sending me a closure check within 30 days cause thats they terms of processing my check chime gave me this ID number XXXX about my money so I called back XX/XX/year> they told me to wait 3-5 business days so I waited then I called back XXXX XXXX thats when chime stated that my check a be too me XXXX XXXX chime gave me these numbers again XXXX told me my check a be here and 7-10 days numbers again XXXX I been waiting just waiting my lights got cut off dealing with chime, I Called Doing all of XXXX chime hang up the phone in my face 3x getting attitudes with me cause Im calling about my money! I called chime today XXXX XXXX they told me I got ta wait 30days and then I snapped cause Im mad Im going through a lot cause they still holding my money in lying too me I called chime a hour later they told me it was gon na be 14 days chime gave me numbers again XXXX XXXX have talk with XXXX, XXXX, XXXX, XXXX and XXXX I just need help getting my money! I wan na go through all the steps Chime number I been calling was XXXX they not helping me they giving me runaround about my money. XXXX XXXX XXXX is my number or this number XXXX