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

To whom it May Concern : I recently received a copy of my Experian, XXXX XXXX XXXX credit reports, and I noticed some late payments posted on my credit report : U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.
Product: Mortgage

XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies. 
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ). 
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ). 
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted. 
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ). 
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''. 
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain. 
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years. 
Regards, XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with XXXX/Equifax and XXXX and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello here is a list of the unauthorized inquiries

Experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 unde

r 15 USC 1681. Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX has failed to remove the following from the credit report. I have tried to disputed XXXX XXXX, numerous of times and the information is incorrect. I have also called the following companies to remove the hard inquiries from my account and have refused to do so. list of hard inquiries will be attached You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file
is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
Product: Mortgage

In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.
Product: Debt collection

XXXX was originally debt collectors and account was sold to XXXX XXXX. XXXX sent a letter to me XX/XX/XXXX stating that they ceased all collection on behalf of XXXX. The account was later sold to another debtor which is XXXX XXXX. I have attached credit reports from XX/XX/XXXX showing XXXX was the current collector and now in XX/XX/XXXX was sold.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

I have challenged Transunion, XXXX and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Needs to remove incorrect information from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

On XXXX/XXXX/17 I purchased a washing machine from Conn 's Home Plus in XXXX, Texas. The store was running a promotion of 36 months no interest for qualified buyers. My credit was checked and I did qualify for the promotion. I specifically ask the salesman on two separate occasions if the machine and my credit qualified and I was told yes it does. I even notice that interest information was noted on the contract and asked about the amount and was told that was how much would be applied if I would not have qualified. Approximately three weeks later I received my statement and there was interest applied to the account. For the life of the contract I will be paying {$570.00} which I do not believe that I am responsible for paying. I contacted the store and spoke with two different management people both of which indicated that the amount spent did not qualify and the interest would be applied. I told them that I could have spent approximately {$60.00} more thus eliminating the interest charge or I could have made the purchase elsewhere. The store manager did indicate that there was a mistakes made by sales personnel and the staff had to be re-trained on the application interest free merchandise.
I also contacted the corporate office and was told that mistakes had been made and employees had been reprimanded but unfortunately there was nothing that could be done at this time.
Product: Prepaid card

I have used the website help and have called the number listed on the card. Both offer ways to use the card and tips. I have tried to use the card at multiple online and in-person merchants including XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX . All declined without explanation. Most recently I tried to order {$12.00} worth of product from XXXX on XX/XX/year>. I checked the card balance before and after the purchase and it has {$25.00}. XXXX declined the transaction. 

I have tried to contact customer service through the website and phone number listed on the card. Both are loops of automated options with no way to speak with a person and therefore no way to get actual help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.
Product: Debt collection

I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX  report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XXXX XXXX XXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Bank account or service

I have an account opened in my name at Wells Fargo and I never held an account there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian continue to report my account inaccurately. The credit application is the security that is being securitized for income. The IRS says I am entitled to the principal and interest of the account. XXXX XXXX should be responsible for the taxes. XXXX XXXX is selling this deceptive information to Experian who then is placing these alleged late payments onto my credit report. This is a violation of the fair credit reporting act.
Product: Mortgage

QUALITY LOAN SERVICE CORPORATION advises today, XXXX XXXX, 2015 ( email attached from XXXX XXXX ) that " the foreclosure is properly processed.. '' CONTRADICTING its purported boss XXXX 's statement made TODAY within CFPB saying : " Please be advised that at this time, we are reviewing the foreclosure process to verify no error occurred. The new expected date of resolution is XXXX XXXX, 2015. " IS IT LAWFUL THEN FOR QUALITY TO PROCEED WITH THE TRUSTEE SALE OF OUR HOME ON XXXX XXXX, 2015 PENDING THIS REVIEW by XXXX - for XXXX 's resolution on XXXX XXXX, 2015? 

Thank you, CFPB for your urgent help!
Product: Checking or savings account

Have numerous chat communication as a live person is hard to get. I had opened this acct as I was having issues with unauthorized access and thought this linked with phone would be secure. I had lost my orig card issue ending in XXXX, the replacement received XXXX. During the lost card replacement I had used the virtual card for first time and not even that much. I had noticed that when attached to a service such as XXXXXXXX XXXX it uses a different number? Or perhaps that the situation of knowing my acct has unauth access? 
As I had my phone stolen when card was lost, I had added a temp num for use and then switched it back having only one number. Now I am missing deposits and check dep from Treasury were not the same as I had in hand. Rejected and I'm missing money, I do believe I have another acct that's not attached? And I think they have given access to another with no permission. As fingerprinting is used to access acct, I think they need to get this checked, as well as the phone being used. I have never owned a XXXX, just for info I share, And it's been a good minute since I have had a decent phone so XXXX has been my most current use. 
Anyhow, I had tried to find a lost dep and get answers on transactions that are made no where near me, for rooms I have no location for. I had contacted the parent bank and they had no acct listed either. Now, my sav and ch acct both drained and I'm locked out, the verification of card, pH, add don't match my pH at all. I had written it down and still have no access I want the statements for all accts sent to me and card number info, if virtual or hard was used. I think the statements I get to print show more trans than I do, and even the monthly total expenses doesn't add up. So I want a clear statement and list of acct and an audit to find out where the funds are being filtered to
Product: Credit card or prepaid card

On XX/XX/17 an account was opened in my name fraudulently and now carries a past due amount of over $ 7k with Nordstrom. I have contacted their fraud dept & was told to get a police report. I did & sent a copy to them as well as each major credit bureau. Nothing was done. I have been disputing this fraudulent account for months now but this company will not remove it even with my police report. This account is damaging my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX Bank beginning in XXXX. During the XXXX XXXX  to XXXX XXXX acquisition my payments to my credit card did not post. I have paid online and on time since XXXX, but XXXX now XXXX does not show a payment between XX/XX/XXXX and XX/XX/XXXX and has reflected on my credit reports. 

I contacted XXXX XXXX, now XXXX to resolve this issue, I was given credit card case number XXXX on XX/XX/XXXX. I made a follow up call to the bank XX/XX/XXXX and the representative stating he could not locate the case number. XXXX XXXXXXXX had amble time to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to Experian for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.