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

I use to think they credit bureaus at least followed the the laws set by the fair credit reporting act, but I guess not. No one can be that negligent, to forget to remove the XXXX XXXX XXXX Account. I think is illegal actively, as many times as Equifax does this to me. I have to watch my credit report like a hawk, because they make mistake after mistake or is it a mistake. I hope I do n't have to go through another 45 day investigation again, they should just look at my evidence and realize it was a " mistake ''.
Product: Checking or savings account

I tried to purchase ticket through XXXX on XX/XX/XXXX. Merchant withdrew XXXX from my Wells Fargo checking account. I discovered on XX/XX/XXXX that XXXX cancelled my order due to lack of payment. I made a dispute with Wells Fargo. XXXX claims they never withdrew the money. I have several emails stating this claim. I sent these emails to XXXX. Per Wells Fargo, XXXX invested the claim and XXXX reported I received the tickets and all sakes are finally. But I have written documentation claiming otherwise. Wells Fargo closed my claim and sited with XXXX. I have no tickets or refund of my purchase.
Product: Credit reporting or other personal consumer reports

This evening, I noticed some incorrect accounts on my credit report and Im baffled as to why they are there. When I checked my report as usual, I found unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive sent to ensure this never happens again.
Product: Mortgage

On XX/XX/2018 I contacted Wells Fargo and informed them that I was changing my Insurance to XXXX and that XXXX was faxing the new rate ( which was lower ). On XX/XX/2018 I noticed {$950.00} was taken out of my account. I called Wells Fargo and they informed me my insurance went up. I corrected them and told them they were informed XX/XX/2018 of the lower rate and new insurance company. They told me that the analysis was done on XX/XX/2018 and since I didn't request specifically for another one they couldn't change the payment. Again, I called Wells Fargo several times and they informed me that had the right amount because on XX/XX/2018 they paid the lower amount of {$690.00}. On XX/XX/2018 they still went ahead and took out more money and never informed me of this. I was then told that I could not get that money back and would have to stop payment. I would like to get the overage that I paid ( {$64.00} ). As a XXXX veteran I am on a strict budget and these unexpected costs can hurt me financially. Thank you for your time. 

XXXX XXXX
Product: Mortgage

Freedom Mortgage is attempting to extort me out of XXXX dollars to pay a XXXX dollar home isurance. They want XXXX dollars for escrow and they want me to pay XXXX dollars over next year. I have 10 months left on a 5 year XXXX  XXXX bankruptcy. In that time, I have never missed a payment with Freedom. Yesterday, I received a letter from them informing me that they will foreclose on my property. 
I called and they told me that I should just disregard this. I will not do business with a company that has so llittle regard for their customers. When you call their customer service department, they promise to help with issues, but in fact they tell you what they think you want to hear. They are a predatory agency. Freedom mortgage is attempting to raise my mortgage from XXXX a month to XXXX monthly. 
I have never missed a payment and always have my payment there within the grace period. This company need to be punished to the greatest extent of the law.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX, I purchased a pair of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) sneakers from XXXX  for {$2000.00} ( Order # XXXX ). The shoes that were delivered were XXXX  not XXXX. I contacted the merchant ( XXXX  ) via their app support on Friday XX/XX/XXXX which was the same day the shoes were delivered. The merchant did not respond. I again submitted support requests to the merchant on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX, I contacted my credit card ( CHIME ) and disputed the transaction as merchandise not received as described. I sent photos of what I ordered and then what I received which are NOT the same. On XX/XX/XXXX, CHIME denied my dispute with the only explanation that " a billing error did not occur ''.
Product: Credit reporting or other personal consumer reports

This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681  charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME
Product: Credit reporting or other personal consumer reports

I have requested that they provide the purchase agreement to show full ownership of such account ( s )
Product: Mortgage

Note Servcing Center is servicing a land contract ( rent-to-own ) on our home at XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 

The property is now paid in full ( in fact early ) and all remained owed funds are sitting in escrow. There is no balace due on the property. 

Instead of releasing the title, Note Servicing Center is fraudulently claiming we are in default and has initiated foreclosure against our home. 

In short, the company refuses to release title and is now trying to take our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX, XXXX  XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX transunion I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

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

Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my home depot credit card through Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized for XXXX during the time earlier this year. I have contacted Nordstrom to ask for a reconsideration of the late payment being annotated on my account due to my situation. Nordstrom has stated they do not correct any issues that are reported on credit report.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I received a letter 3 months ago stating that my information was leaked in a data breech and to create an account to monitor my credit report. Since then I have been receiving phone calls, text messaging and things have come on my credit report that I do not recognize also and old account from 10 years ago came back on my credit report as a new collection.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C XXXX681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

Bank of America has an item on my XXXX and XXXX XXXX account stating I committed fraud in a transaction. This was posted XX/XX/2016. Nearly five years ago. They claim no financial loss but have wrongly attached this to my record. 

This is basically keeping me from opening checking accounts. And it is blatantly untrue and needs to be removed.
Product: Mortgage

My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXXXXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being reported on my consumer file. Not only are they inaccurate, they are unjust, and cause great harm to me and my family and are livelihood. They should should not even be reporting any information I DID NOT give them consent. I want these accounts removed immediately or Ill will be filing a legal complaint.
Product: Debt collection

I am the victim of identity theft my identity was used to open fraudulent utility accounts in Texas ( I have never lived there ). One of many companies where this occurred was through XXXX XXXX XXXX. There was a {$980.00} balance on the fraudulent XXXX XXXX XXXX account that was sent to collections at Credit Systems International Inc ( CSII ), which negatively impacted my credit score. The credit bureaus did temporarily remove this information when I provided them with proof of the identity theft, and XXXX XXXX XXXX has already sent me a clearance letter absolving me of any fraudulent debt, but I have not received a clearance letter from CSII indicating that : 1 ) I am not responsible for this debt due to identity fraud ; 2 ) any fraudulent debt will not be transferred to another party for collection ; and 3 ) the credit bureaus have been informed of the same. Initially, I was told to mail proof of identity theft to CSII, so I did on XX/XX/2023. USPS tracking is showing that this information was delivered on XX/XX/2023. I called CSII on XX/XX/2023 to confirm they received it, and they claimed that they never did. I then had to create an investigation with the post office. The post office local to CSII told me that the envelope was sitting in CSIIs box in the mail room and that no one had ever picked it up. I then called CSII AGAIN on XX/XX/2023 who once more insisted that they never received it. I was finally given permission to email the records to CSII. They confirmed email receipt when I called on XX/XX/2023 and told me verbally that they contacted the credit bureaus, but I have still not received anything in writing from them. Without this information, I fear that this fraudulent debt could reappear on my credit report or be sent to another party. I also fear that other consumers are sending information to this company in the mail which is just sitting in their mail room box and not being checked by anyone.
Product: Debt collection

In XXXX of this year, 2023. I contact XXXX 's XXXX in XXXX to cancel my membership. They told me I need to email XXXX to submit a cancellation request. I submitted the cancellation request and did not receive a response. The next month, the gym tried to debit my account. I went in person to clear this up. The person at the front desk confirmed I had the correct email and they would forward my request to the appropriate person. Finally my gym membership was cancelled and then I received a collection notice from Aldous and Associates via snail mail. In the collection notice they included a self addressed envelope. I printed the original attempt to cancel my membershi and mailed it to Aldous and Associates. Last week I received a call from Aldous and Associates attempting to collect {$120.00} and they said if I don't pay it they will report to my credit. I explained to her that I mailed proof of the cancelation. She said they don't have it and she said she can email me so I can respond. This morning, I respond to the email with the attachment of proof of cancellation and this is the response I get : " You have emailed an unmonitored 'noreply ' email address. 
If you need any help, please don't hesitate to contact us at XXXX. 

Best regards, Aldous XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT, ALL INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. '' I immediately call Aldous and Associates because at this point I think it's comical that someone tells me I can respond via email, communicates with me via email and then I get the response that emails are not checked. 

When I called this morning, the customer service representative that answered told me that they can't accept correspondence via email, only through their XXXX XXXX XXXX I was transferred to the supervisor XXXX XXXX who confirmed they can not accept correspondence via email and I would need to send in proof. I told her I did, send in the proof and I kept getting the run around and they are making it impossible to resolve this issue. I made it clear that they know and it is recorded that this is a bad business practice.
Product: Credit card or prepaid card

I have two accounts with CITI bank for XXXX one for XXXX right after I applied my XXXX benefits both my account were closed for no explanation. 
after calling multiple times talking to multiple people they reopened my accounts saying they were not showing I was under XXXX. My accout s were reopened. Than within 60 days my accounts were reclosed leaving me with bills. amounting {$10.00}. this time stating there was a credit change to my credit report and a missed/returned payment with last 60 days. And no XXXX  could stop them form closing my accounts.