23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen reported to credit bureaus I was delinquent in paying mortgage and sent me my pay history. 

They neglected to mention that I made several extra mortgage payments they charged to " principle payment '' because I learned you have to call them directly to tell them to " ONLY APPLY TO PAYMENTS '' As you can see below, here are those payments that should have covered my mortgage payments no matter what so I was never delinquent in paying : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$170000.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$1800.00} * *Note : The Ocwen phone person is the one who explained they put extra payments into principle only even though I didn't know that she told me she can now click the button that says " ONLY APPLY TO PAYMENTS ''. 

I am asking you to please have Ocwen revise their credit company reports to show I have been on time with my mortgage since the beginning. 

Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted multiple written disputes to TransUnion regarding multiple accounts on my credit report.. In my disputes, I requested that TransUnion investigate these accounts and remove them if they could not verify their accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite sending manually printed and stamped letters, TransUnion has either refused to investigate these accounts or responded with multiple stall letters. This lack of proper investigation and failure to remove unverified information appears to violate my rights under the FCRA. TransUnions inaction has left potentially inaccurate information on my credit report, which may negatively impact my credit score and financial opportunities. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have three accounts that have been closed and should be knocked off in this year ( XXXX ). One of them is saying it will stay on my account until XXXX but I do not understand how when it was closed in XXXX. The accounts only stay for 7 years on the credit report. 

Accounts : XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " potentially negative '' {$570.00} was written off XXXX : Closed/Charged Off and opened XX/XX/XXXX reporting " potentially negative '' {$1800.00} was written off XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " late payment '' XXXX : Closed/Paid and opened XX/XX/XXXX XXXX XXXX : Closed/Paid and opened XX/XX/XXXX and the last payment was XX/XX/XXXXXXXX XXXX XXXXXXXX : Closed XXXX and opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT 1XXXX  XXXX BANKRUPTCY ( REMOVED ) 2.XXXX ( REMOVED ) 3XXXX XXXX  ( REMOVED ) 4. XXXX XXXX ( REMOVED ) 5XXXX XXXX XXXX ( LATE PAYMENT REMOVED ) Hello, To Whom It May Concern As Ive been disputing XXXX  XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX, XXXX XXXXXXXX XXXX AND XXXX FUNDING, Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, XXXX, AND LEXISNEXIS. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. XXXX  XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON XXXX XXXX ACCOUNT. I dont think its fair for LEXISNEXIS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXX/XXXXXXXX  I was told by XXXX REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR LEXISNEXIS, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.
Product: Mortgage

I had gotten a loan in XXXX, pd mort. Then our Mort. went up so deleted pmnt of {$400.00} to {$410.00}. They did n't send out XXXX pmnts XXXX or XXXX. In XXXX, they took both the {$400.00} and the {$410.00}! My bank manager helped me delete the XXXX. pmnt until Chase put $ $ back in acct. I did n't know I had to restart pmnts and no pmnt went out for XXXX. Now I am behind on Mort by 1 month and they r threatening us with foreclosure when we already have sent the pmnt agreed upon which was {$50.00} extra/mo. We sent {$460.00} in XXXX and XXXX. We r working to get this taken care of. We r not in good health as it is and this is causing more health probs from stress. I was getting calls from XXXX to XXXX at night, XXXX times a day. I think that is stopping but now sending pre-forclosure papers. This is utterly ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at The Office of the President at XXXX XXXX   about some open account issues on my credit report. These open accounts show the following open accounts by XXXX  and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of LLC Funding/LVNV, their response was that they no longer had the account and sent it back to XXXX XXXX. Furthermore after speaking with XXXX at The Office of the President at XXXX XXXX, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by XXXX XXXX  and it's collection practices. XXXX at The Office of the President at XXXX XXXX  was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought it is used through XXXX about an account that is listed as charge off! The account was sold to a collection agency which keeps reporting the account as a new debt every 30 days and is causing a catastrophic drop in my credit score by XXXX points! Only through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. 

Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
Product: Credit reporting or other personal consumer reports

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the XXXX XXXX has on this account number is incorrect I do not have any business with XXXX XXXX XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

XXXX, XXXX and Equifax are reporting fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, I am writing to formally request an update to my personal information and to address fraudulent inquiries on my credit report. 

My details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX I have discovered unauthorized inquiries on my credit report that I did not authorize, specifically from XXXX on XX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX. I kindly request that you investigate these inquiries and remove them from my record. 

Additionally, please ensure that my personal information is current and accurate in your records. It is essential that these updates are made in compliance with the Fair Credit Reporting Act. 

If these issues are not resolved promptly, I will have no choice but to take legal action to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My issues are that, XXXX. I can't access my account by phone or the internet for the last three weeks. 
XXXX. I've called several times and has been told Oh, your lock out or they need to reset my login still not able to access my account a few minutes later. 
XXXX. My phone number was removed for all my notification meaning if fraud happening on my account I would not be notified. 
XXXX. I can't receive any text to reset my password or to log into my account. 
XXXX. When I try to call the automated number, the automated system tells me that my information can't be found for this account.
Product: Checking or savings account

My identity has been stolen and my accounts continue to be frozen for no reason and XXXX stated that Wells Fargo is to blame. I have tried to mediate this situation several times, however Wells Fargo continues to make things harder for my life each and everyday.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SVCS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$200.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$900.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX  discriminated against are are my children. As XXXX counterparts have a higher credit score and even XXXX  I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through Section 8 I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX XXXXhis is only due to XXXX XXXX  yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is at XXXX violations for me XXXX XXXX violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX  XXXX XXXX  which is not considered properly marked XXXX violations in total
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of the XX/XX/2017 Equifax data breach due to cyber criminals. Because of these unlawful action I am now in jeopardy of identity theft. Im learning how to and taking action to protect my credit data adding fraud alert to credit report. Seeking support to help with this stressful offense to my information.
Product: Debt collection

This company XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX and XXXX XXXX XXXX XXXX XXXX XXXX selling us a vacation package in which they withdraw XXXX from my credit card, selling XXXX nights of vacation and they give us a free week vacation if we pay the half of the vacation but when we call for use the free week or starts using some of the night they ask for more money and start to give us different roads and I'm cancel everything they say they take the XXXX to cover all the expenses and the will give us some free night again to compensate for the money they don't want to give back they ask for, more money so they can close the account and don't ask for any free night anymore I'm ok they can keep the XXXX plus extras I try to comply so they still came to ask for more money need help, please I got emails in Spanish prove all the conversation I got with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity XXXX & Comenity XXXX XXXX have been reporting this account as closed since 2018. The account was never closed. Purchasing was suspended. I reached out to the company several times and they removed the suspension and I have been using the accounts. However, they still show as closed. I reached out to them again regarding the status and disputed the status with the credit bureaus only to have them still report as closed.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) of 15 USC 1681 ( b ) that I have recently discovered on my credit report. 
Upon reviewing my credit report, I have found that there are multiple child support accounts that are currently listed on my report. However, based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  child support accounts are not credit transactions and they are judgements.

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 
Therefore, I request that you delete these child support accounts from my credit file as soon as possible. According to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
Hence, including these accounts on my credit report is a violation of federal law, and it is affecting my credit score adversely. 
Please ensure that these violations are deleted immediately. Furthermore, pursuant to the FCRA, I expect written confirmation that these accounts have been removed from my credit report within thirty days of receiving this letter. Also, please ensure that any creditors who have received my inaccurate credit report within the past six months are also notified of the inaccuracies. 

I am not asking for VERIFIED accounts. I want them Deleted according TO FEDERAL Case law. also see ATTACHMENTS. 
Your cooperation with resolving this issue promptly and efficiently is highly appreciated. If you require any further information or assistance, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.