23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX  account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX   BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : Transunion Credit Bureaus is presenting data that is markedly distinct from that of other bureaus. I always make timely payments on this account, and it has never been overdue. However, in your Credit Bureau, it is erroneously reported as being late. It is imperative that you rectify this erroneous reporting as soon as possible as it is a violation of the FCRA, which mandates accurate reporting of account information. I need the following accounts corrected and updated as soon as possible : XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$290.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my consumer report with Early Advantage I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX and Account # : XXXX Bank Routing # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. 

My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. I called Experian on every number I could find for them and they have it where you can't talk to anyone no matter what you do. I don't believe it's fair that they can have this type of power of my ability to get financing and don't even have a way to speak to a human being, no fax number, only a mailing address that I don't want to lose all that time waiting on the mail. 

I've also asked them several times to remove any mailing addresses that weren't my main address but they insist on keeping them on. 

I also asked them to remove all the name variations with exception of my first name, middle, last name and suffix, they insist on several different name variations.
Product: Credit reporting or other personal consumer reports

During the last XXXX to XXXX years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. Experian, XXXX, and XXXX have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.
Product: Credit card or prepaid card

I purchased a TV at Amazon, and i used a promotion of 0 % interest for 24 months. As i had 24 months to pay with no interest, i set up an automatic payment thru XXXX XXXX XXXX, to pay a monthly amount until the amount was paid in full. The value of the tv was XXXX on XX/XX/XXXX I voluntarily started sending a monthly amount of XXXX the XXXX of each month, because i had 24 months to pay. By XX/XX/XXXX, i had paid the amount of {$1700.00} plus the remaining balance to pay it off of XXXX= XXXX. My surprise was when i realized that the bank charged me XXXX late fee each month since XX/XX/XXXX, and they charged me interest too, when it was a no interest for 24 months. I spoke to two account managers at XXXX ( XXXX and XXXX ), and they told me that they can only remove a late fee per year. That i had to pay XXXX to pay off the account. I made a payment by phone of the {$200.00}, and then they charged me the same amount back. I told them that i never missed a payment, that i always had the intention to pay, but in my mind i was sending voluntary payments and never thought the bank was charging me late fee for almost 2 and a half years. They did not do much. I dont think it a just practice to pay all those fees when i can prove i was in compliance with my payments to the company, the only thing that was not matching was the due date. I was committed to comply with my obligation with the bank.
Product: Credit card

refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy XXXX options for someone who is XXXX, struggling with XXXX XXXX XXXX issues and who also fall under protected class. 

Each of the business expects a person with XXXX XXXX to spend countless hours with each of them and I barely have the XXXX XXXX XXXX, XXXX XXXX XXXX some days and yet when I am able to call I am verbally attacked. 

I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my XXXX  since I was denied many loans or if my credit card does work is when I have access to wifi. 

it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can XXXX XXXX and going to a mailbox isn't top priority my life is. 
thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus
Product: Debt collection

XXXX XXXX I called I.C. System to pay this account I asked the representative if they can please send me a copy of the report specify where all this charges come from and the representative told me its been a very long time for this account to be opened and this account has been sold and I shouldnt be asking any type of questions I should just be paying for this account and I tried to speak but the representative didnt let me they continue talking and stated they were going to take me to court and that they were going to send somebody to arrest me and take everything away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX... Balance : {$2400.00}
Product: Debt collection

It is XX/XX/2019. Lendmark Financial has called me 20 times in the last 5 days. They have been calling and harassing me for the last two months on average of 4 calls per day. I am in a debt settlement program and they have been notified to  contact my representation, XXXX XXXX, for inquiries, but refuse to. They have threatened to sue me even though I have made 3 payments on my account since XX/XX/2019. I am a little behind, but the amount of contact I have received from this company is highly unprofessional and extremely harassing. I am considering suing Lendmark Financial for breaching the U.S. Fair Debt Collections Act of 1978 as well as filing a Protection Against Stalking / Harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC Code 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Veterans Administration is responsible for paying this account. XXXX XXXX XXXX refused to provide me with copy of the original bill when I asked them in XX/XX/year>.
Product: Debt collection

They called me XX/XX/XXXX said I owed debt, I requested a letter with details about it, ways to pay, 30 day notice, said they would, never received it, they never said name of XXXX, figured it out, called requested email w/debt details, XX/XX/XXXX, never received email and they've already reported to credit bureaus XXXX  XXXX `` Revco Solutions '' .
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw an inquiry on my account for Syncb/Paypal that I did not make. Promptly called all reporting agencies for credit freeze. Called Synchrony Bank/Paypal Credit in XX/XX/XXXX and they confirmed it was a fraudulent inquiry and that they will have the inquiry removed. 90 days passed and the inquiry is still on credit file. I called again and was told relatively quickly that it is confirmed fraudulent and they would have the inquiry removed. It is now XX/XX/XXXX and the inquiry still remains on the account. I have applied for credit recently and got denied. This invalid reporting may have played part in that. I have called XXXX and was informed the company has to report it removed or for me to have a police report made and faxed over
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I found multiple fraudulent accounts and an unauthorized inquiry that have harmed my financial standing. 

The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, I found an unauthorized hard inquiry from : XXXX on XX/XX/XXXX These fraudulent items have lowered my credit score and affected my financial stability. I have been unfairly denied access to credit and faced challenges with housing and loan approvals. This situation has created undue stress and has harmed my financial well-being.
Product: Vehicle loan or lease

On XX/XX/2020 I submitted a complaint with your agency # XXXX. You submitted the complaint to Yamaha financial services on my behalf. They gave a response and promised to refund the unlawful fees they charged and to contact me to help me set up auto payments. I have not heard from them nor have they refunded my money. They promised to do this in 3-5 days. It has now been almost two weeks. Please help me with this. I am frustrated and I feel they are stealing my money and told you what you wanted to hear but never acted on it. Thank you for all you do and I look forward to your response.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of Account:XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries and they were obtained fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS REQUEST MY SSN, MY LEASE TO XXXX XXXX XXXX XXXXXXXX ADDRESS I STAY AND MY SSN WHICH I B EEN PROVDING THEM THEY KEEP ASKING ME FOR THE SAME THING FOR 4 MONTH AND I WAS DONE WHAT I WAS TOLD I GET A LETTER FROM XXXX XXXX AND SHE OR HE HAS NOT YET UPDATED MY SCORE MY SCORES IS UPDATED FROM XXXX  AND XXXX  THIS IS CAUSING PROBLEM FOR ME TO GO AND START THE PROCESS OF ME TO GET MY HOME I FEEL THAT I HAVE BEEN XXXX  XXXX  BECAUSE IM A WOMAN A XXXX XXXX  AND BECAUSE OF GENDER EXPERIAN NEED TO BE HELD RESPONIABLE FOR NOT DOING WHAT IS NEEDED FOR MY CREDIT REPORT AND SCORE THIS NEED TO BE DONE N OW THEY HAVE ALL THE INFORMATION THAT WAS NEEDED TO DO THIS UPDATE I SENT MY LEASE LAST MONTH DL AND SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ,6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I have requested from Transunion to provide me with the name address and cont a number of the person or company used to verify this information and they refused to probed the information. I have a case if mistaken identity same name different social and I contacted the bankruptcy court listed and they said they do not verify reports and they do not verify social security numbers. So how did they verify this information? 

1.Court Name US BKPT CT TX XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX XXXX Type of Record Bankruptcy Reference Number XXXX 2.Court Name US BKPT CT TX  XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX  XXXX Type of Record Bankruptcy Reference Number XXXX XXXX deleted the inaccurate information in  XXXX of XXXX as soon as I reported the inaccuracy ... XXXX just deleted the inaccurate information XX/XX/XXXX and Transunion has refused investigate continues to send me the same generic letter stating it was verified and will not provide me with information as to who they verified this information with. Ive filed two complaints and they close them immediately stating Its pertaining a credit report and will be reviewed, they will not even look at the information being submitted.
Product: Credit reporting

Trans Union had a glitch in the system that violated the rights of the consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as as result. 
No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Credit reporting or other personal consumer reports

The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX   XXXX XXXX
Product: Mortgage

My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for XXXX XXXX, 2016, and because we had submitted paperwork, they moved the sale date out to XXXX XXXX. Last week, XXXX XXXX, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for next Friday, XXXX XXXX, 2016. I spoke with XXXX on Thursday, XXXX ; and XXXX on XXXX at Capital One and was told by both of them that XXXX was going to contact the Trustee 's office & have the date postponed or canceled. Since, as of today, XXXX XXXX, the Trustee 's website had n't changed, I contacted them directly and they stated that had n't received any further communication from Capital One since the request in XXXX for moving the date back to XXXX XXXX. I 'm interpreting that they had asked the Trustee to move it back approx. 30 days, which would put it on or around XXXX XXXX, 2016. My complaint is that since we are in a full loan modification process, they can not still be pursuing an active foreclosure process. This is dual-tracking and my understanding is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has falsely reported items on my Lexis Nexis C.L.U.E . report.