23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I first received a call from LTD in XXXX concerning a debt from my last rental property that was sent to their collections. The first call i received I was harassed by someone who stated they were a lawyer and would force me to live in the projects if i didnt pay the amount owed. After repeatedly asking for proof of the debt, they said i had to get it from the property, the property said it was sent off to LTD and they no longer had it. After 4 months i get an itemized statement showing outrageous charges ( amounts that didnt make sense ) for cleaning, damage etc ... called to try and resolve the debt after, never heard anything back. My wife finally called on XX/XX/XXXX to resolve the debt, was sent to voicemail and never heard anything. I called today, XX/XX/XXXX and the phone was picked up, however noone answered. I could faintly hear in the background people talking saying if they dont have job/money move on to the next as well as people mumbling, smoking, and coughing in the background. I do not believe this business is legitimate and they are scammers. According to XXXX reviews we are not the first to have this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been given the proper documentation to stope reporting and delete the negative information on my credit reporting. All three credit bureaus failed to provide the proper investigation in regards to this matter. I spoken with a supervisor at Transunion by the name of XXXX XXXX and he said that Transunion have no control over whats being reported and that I would have to reach out to the companies that is doing the reporting. I have reached out to both XXXX XXXX XXXX as well as XXXX XXXX. Both companies assured me that they were not reporting anything to the credit bureau. Transunion representative said they XXXX XXXX XXXX was telling a bold faced lie, and that they were reporting negative results on the back end. If the credit bureaus know the Information is falsely being reported, and I have provided them with the proper documentation why continue to report the information thats be requested to be deleted. They never reached out to XXXX XXXX to confirm any of my information. The only information that the credit bureaus are accepting verbally over the phone is what XXXX XXXX XXXX is telling them. XXXX XXXX XXXX sold my account with all my personal information to another third party company without my permission. XXXX XXXX XXXX doesnt want to provide me with any form of documentation to release me from their system. They flat out told me no. Thats not right.
Product: Mortgage

Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX  or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.
Product: Mortgage

I am in the process of purchasing a home. I chose to do business with Quicken Loans based on their strong reputation within the mortgage industry. After starting my loan application, I received constant miscommunications, poor service, and a feeling from their team as if my business really was not important to them. I chose to withdraw my loan application, and take my business elsewhere. I chose to withdraw my loan, and the FHA case number was transferred to my new lender. Quicken had to close my loan application out in order to transfer the FHA case number, and when they did, they closed the loan as " loan denied, credit denial. '' This caused a hiccup with my new lenders underwriting team. I had to spend many hours on the phone with them explaining to them why my loan was not in fact denied, I withdrew it. At this point, I have worked through the concerns my new lender had, but on principal, my loan application should be closed based my request to withdraw my application, not " credit denial. " Quicken Loans is the biggest joke of a company I have ever had to work with, and I am certain their ratings with XXXX XXXX are forged.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2013, XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX I notified XXXX XXXX XXXX that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX XXXX has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. They keep asking me to prove that I did not open the account. I am suffering huge hardship as my XXXX XXXX is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life. 


XXXX XXXX to provide a letter to XXXX, Experian and myself that the fraudlent XXXX XXXXXXXX  account does not belong to me and request they be deleted from my credit history
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX  XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you fail to respond promptly, I will pursue legal action XXXX seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

There's been an unauthorized inquiry made on my credit report thru the web, I called the number for the inquiry it's robot and it automatically hangs up so there no one connected to this, please remove immediately
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form 1099C from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately.

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, Experian, and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX from XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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

Based on, 15 U.S. Code $ 1681c-2 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am Living Human Being.I have Rights under 15 USC 1681 Equifax is govern By 15 USC 1681. And they violated my rights numerous of times I demand the account below listed to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not Give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX IF XXXX An also the list of unauthorized inquires that also are reflecting on Equifax that are going against my consumer rights as a living person. 

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 am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. 

Inaccuracies Identified XXXX. Date Opened : XXXX and XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. High Credit : XXXX and TransUnion : {$3900.00} XXXX : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit card or prepaid card

On XX/XX/2020 my Bank of America debit card was hacked and my weekly benefits that I receive From the unemployment was stolen in the about of {$290.00}. On that same day I call Bank of America and reported the issue. They then told me that they were going to investigate and send me a new card, I received the new card and when it was time to receive my next weeks benefits the card was closed already. I then called Bank of America and was by them to call the unemployment ( DETR ) after calling them they said that they were looking to fix the issue and that the issue should be fixed in about 7 day, however after the 7 day no word, so I called Bank of America once again for them to point the finger back at the unemployment ( DETR ), so I called DETR once again and did not get a direct answer once more, after a few weeks more of going back in fourth with both companies, DETR finally asked me to send a copy of the front and back of my identification and a copy of my social security card and I did just that. Then I was told that it will take another 7 day, but never heard back from neither company. When calling to check the status was more from DETR I was told that I must set up a ID.ME account to so they could verify my identity, so I had to once again send a copy of the front and back of my identification card and social security card and after calling to check was everything ok with my ID.ME account they said it would take 7 days once again. But still heard nothing from neither company. When calling to check again several different days and weeks, I was told it was in progress. After month of continuing all that was asked of me, I once more call to check on the status and once again DETR asked me to send all copies of my identifications. However XXXX continue failing my unemployment claims each week and I can see that I am getting paid on the unemployment DETR side but still my Bank of America card remains closed. I have 16 weeks of unemployment benefits frozen. I am in need of all moneys owed to me, due to bills being delinquent and my XXXX kids needing XXXX.
Product: Credit card

I notified CITI that I was removing and revoking any and all power of attorney CITI or their affiliates had for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as I am age of majority. This document dated XX/XX/year> which they received had XXXX witnesses and a notary which is binding. 

About 45 days later, I received a nasty form letter stating that they were closing my accounts if they hadn't already been closed. 

I called as soon as I received the nasty form letter and was told by the XXXX XXXX XXXX that my revocation of power of attorney letter was received and I would be called back in 2-3 business days by a person who could handle my case. They also informed me that my account had been sent to collections when there had not been a missed payment or late payment. No one ever called so about 10 days later on XX/XX/year>, when I had a chance to call again, I again spoke with a representative in the XXXX XXXX XXXX. They apologized and promised some one ( XXXX was assigned to my case ) would call me within 15 days. Again that time has passed and no one has called to remedy this situation. 

I called again XX/XX/year> and was eventually routed back to XXXX XXXX XXXX, and they reopened the case, reassigned to XXXX XXXX # XXXX, and now want 15 more days to investigate. I informed them that I should not have to wait another 15 days to get this resolved after waiting for them for over a month at this point. I still have not heard anything and account is still closed. 

Also, on XX/XX/year>, I register mailed ( XXXX ) a {$17000.00} payment to their indenture trustee per their indenture agreement and SEC filings. I register mailed it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tracking shows it was received and my registered security has not been returned to me. I did not gift the security to CITI or XXXX XXXX XXXX XXXX XXXX XXXX ; therefore my security is currently in stolen status. 

Since the XX/XX/year> registered mail was received, I asked them to put this account in a conditional credit or whatever verbiage places the account into a holding status while being investigated. I should not have to pay again while you are investigating. And since then I found that the verbiage is called billing error notice. I used that term on the call on XX/XX/year> but everyone I spoke to acted like they didn't know what I was talking about and gave me the run around to billing dispute dept which was condescending and annoyed that I had been routed to them. 

On XX/XX/year>, I register mailed another letter to them trying to get all of this resolved. I included another negotiable financial instrument as payment. I have not heard anything from this letter either.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below the in the attachment