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

Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!
Product: Mortgage

OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance. 
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}. 
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several delinquencies, missed payments and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; OCWEN/PHH, now in its 15th year. Although a recent Court Case prompted OCWEN/PHH 's removal of a Foreclosure and spurred a Loan Modification, OCWEN/PHH had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : XXXX XXXX ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and PHH Statements for additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

I never been wit this company XXXX on XX/XX/XXXX or never heard of this place before .. U got the wrong person please take off my credit .. Ive never had anything to do wit this ... Ur charging me for something i never aplied for or gave u no permission to charge me never heard of this company
Product: Debt collection

I am writing about my experience with Mercedes Benz Financial that is a mixture of a grateful " thank-you '' and a pressing request concerning an auto loan that was repossessed its showing on my credit files that I would like to have revised. I received the car in 2019 one year before the chaotic life event XXXX that caused me to lose my job. I became disorganized with respect to making timely payments with Mercedes Benz. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Mercedes Benz since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which excluding the repossession everything is excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.I am are about to shop for a new home and starting a family, and it has come to my attention that the notations from Mercedes Benz may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with character I am requesting that you give me a second chance at a positive credit rating by removing those tradelines and forgiving me of this debt. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at forgiveness and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Product: Credit reporting or other personal consumer reports

We had a payment unknowingly rejected by XXXX on XX/XX/XXXX due to substantial fraud on our checking account ( the payment showed as processed on our online account and via email ) that resulted in a reported late payment. We worked with our bank, XXXX, who refunded dozens of overdraft fees that resulted from the fraud. I submitted another XXXX  payment right away plus contacted XXXX  immediately when we learned of the fraud / discovered that XXXX had rejected our XXXX payment as a result of the fraud. After the fact, we learned that a system error from XXXX ( when we submitted our additional payment on XXXX ) also showed that we had paid on XX/XX/XXXX. XXXX tried to later explain that this was for a reversal of the XXXX payment, but their system did not display anything but the fact that a payment was processed on XXXX ( I have a screenshot of this if XXXX  suggests otherwise ). 

XXXX  customer service indicated they would process a one-month extension to address the issue and bring our account current. We asked them to help fix and prevent any negative credit reporting that might occur as a result of the fraud and corresponding rejected payment. They indicated they were willing to help and just said to contact them again after the extension and payment items were processed. 

However, multiple XXXX reps engaged in a lot of finger pointing when we followed up with them to help us update the negative late payment reported on our credit report. Customer service said the collections team could update our report, the collections team said customer service could update our report, customer service then said the credit managers could help, that team said the credit bureaus would help remove the negative payment info. In the end, nobody from XXXX took accountability to update the payment information. We ended up disputing the negative report with the credit bureaus. The outcome of that dispute appears punitive from XXXX. We submitted our dispute on XX/XX/XXXX and our credit monitoring platform shows that on XX/XX/XXXXXXXX XXXX reported additional late payments in XXXX and XX/XX/XXXX as a result, rather than updating the report to no longer report as late. XXXX has not only NOT helped us in our time of peril, they have made our lives more stressful and difficult.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX  XXXX  Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family. 

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 
I have requested copies of the contracts from the company in question, but after more than XXXX  days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit card

We bought airline tickets with a Marcus by Goldman Sachs credit card in XX/XX/year> for a flight on XXXX XXXX, on XX/XX/year>. Ticket # is XXXX. We became ill and called XXXX to inform them we can not travel. The XXXX ticket agent, XXXX, said she would give us a refund. Interesting, because our tickets were not refundable only exchangeable. But, because she was the XXXX Representative, we agreed to the refund. When we got our bank CC statement, the refund was for {$110.00}, not {$3500.00}. So, we called XXXX XXXX to exchange tickets for a flight but the XXXX, XXXX, said they could not exchange our tickets because the computer would not allow him to change it due to a message showing we " got a refund ''. We have been disputing transaction with Goldman Sachs for a return of our monies with XXXX for almost XXXX  years. Sachs representatives have informed us they fully understand our frustration. It's on recorded calls.Our monies should have been credited to us because we did not receive anything for our payment. However, our bank has sides with XXXX despite the clear fraud involved by XXXX. We asked for future flights but XXXX refused to provide us with a new flight nor our monies back. The fraudulent part is that the Airline claimed we received a refund but they refused to state the amount of refund in our dispute documentation with the Banks, Goldman Sachs. We have that documentation in our email communication with XXXX XXXX and we provided said documentation to Goldman Sachs. Additionally, originally, we were informed we could only submit XXXX disputes but we were able, with the help of XXXX different supervisors, submit XXXX disputes, which GS, finally stopped accepting this month. These same supervisors stated they would be able to provide a lower amount of payment if we did not receive a favorable outcome.
Product: Debt collection

ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.
Product: Credit card

During the holidays, I opened a Comenity Capital Bank Ultimate Rewards Mastercard with the sole purpose of only using when needed around XXXX time. Once the card arrived in the mail, I stowed and put away with my belongings where no one had access to it. The balance was then paid, and did not receive a letter or email from Ultimate Rewards until the following year stating I had an unpaid balance from multiple purchases made during the summer of that year. Immediately I filed a fraud dispute on XX/XX/2023 stating the circumstance, and an Investigation was then opened. On XXXX, XXXX I received a letter from Comenity Capital Bank Utimated Rewards Mastercard stating that I am not responsible for the disputed amount balance. In addition to claims that they will send out the same letter to the three national reporting credit agencies to remove this account from my credit bureau, and to expect updates within 30 to 45 days. It is now XXXX XXXX and I have yet to see any updates, except for a continuous drop in my credit score due to this outstanding balance and late payments being recorded each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : XXXX XXXX XXXX XXXX XXXX : Collection : Fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information being reported by XXXX XXXX XXXX XXXX on my credit reports with XXXX and Experian. The inaccurate reporting by XXXX XXXX XXXX XXXX has led to significant discrepancies on my credit reports, negatively impacting my creditworthiness and financial standing. 
The account in question, XXXX, was charged off by Experian and XXXX in XX/XX/XXXX. Despite being charged off, the account has been consistently updated as charged off every month since then, leading to a decrease in my credit score on XX/XX/XXXX, with XXXX reporting a decrease of -20 points. The account was charged off XX/XX/XXXX- XX/XX/XXXX then back in good standing XX/XX/XXXX- XX/XX/XXXX ( how is this accurate if the account was charged off ) This is inaccurate. 

It is important to note that a charged-off account should not include a payment history, yet my credit reports reflect a payment history associated with this charged-off account. Furthermore, the credit utilization ratio reported by XXXX and Experian is inaccurately reflecting 121 % utilization. Additionally, there are discrepancies in the reporting of late payments associated with this account. XXXX reports 90-day late payments with inaccurate dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Experian reports 90 days late payments with inconsistent dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inaccurate charge-off reporting by XXXX XXXX XXXX XXXX falsely manipulates the statute of limitations and violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these inaccuracies, XXXX and Experian have failed to properly investigate this account, thereby exacerbating the adverse impact on my credit profile. XXXX is even reporting the last activity date for this account to be XX/XX/XXXX which would be inaccurate from the charged off date. 

According to the IRS and unpaid charge off is income and according to the FCRA income can not be report on a credit report. I am requesting a 1099-C ( Cancellation of debt ) from XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EXPERIAN. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. I spoke with XXXX form Experian and he said he seen that the bankruptcy should be off from my documents and he was placing a note on file. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit card or prepaid card

To whom it may concern : This is my second request to your company about some late payments from XXXX to XXXX. 
I would greatly appreciate if you could make a goodwill adjustment these late payments are affecting my life, I'm a trying to pursue a career in business which would be a more financial rewarding career, as you may know these late payment with XXXX XXXX XXXX XXXX are negatively affecting my credit score and my good name. 
I'm also trying to get a mortgage, and because of these negative masks i'm unable to obtain. 
I have been on time and have enroll in auto pay to prevent this from happening again. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payments as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX XXXX believes in their customers and i humbly request your consideration to allow me to pursue the career of my dreams.I appreciate your time and look forward to receiving a favorable decision from you department soon. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received letter from Bank of America and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank Statements and had no chance to properly address this issue. Several times I filed dispute with Bank of America, XXXX, XXXX and XXXX. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from Bank of America, XXXX, XXXX and XXXX.
Product: Credit reporting

I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XX/XX/XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this :