23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is an additional document for complaint XXXX that was just received on XX/XX/2021 it is the Annual Escrow Account Disclosure Statement. Please see the statement under Account History. this account was paid off XX/XX/2021. 

THIS HISTORY STATEMENT COMPARES YOUR PRIOR ANALYSIS CYCLE PROJECTED ESCROW ACTIVITY TO THE ACTUALESCROW ACTIVITY BEGINNING XX/XX/2021 AND ENDING XX/XX/2021. IF YOUR LOAN WAS PAID-OFF, ASSUMED ORTRANSFERRED DURING THIS PRIOR CYCLE, OR THE COMPUTATION YEAR IS BEGING CHANGED, ACTUAL ACTIVITY STOPS ATTHAT POINT. THIS STATEMENT IS INFORMATION ONLY AND REQUIRES NO ACTION ON YOUR PART
Product: Debt collection

I am receiving a collection notice from XXXX for XXXX XXXX in the amount of {$30.00} for medication that was sent in the mail. As I have explained to XXXX since XXXX 2014, I have never been prescribed this medication, have never seen this doctor prescribing it, nor have I ever been diagnosed with this condition used for the medication. They continue to try and collect this debt from me, ruining my credit illegally. They have no documentation to show me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be corrected from erroneous reporting in my file. 

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

i have unnoticed inquiries on my report that i didnt consent to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the XXXX, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of your company to provide this notice compromises my rights and potentially exposes my personal information in a manner that I do not consent to. This business has been reporting negative information to the credit reporting agencies. I have tried to obtain several copies of my consumer report from this company in order to correct the problem and they have not complied. Therefore, the information being reported is unknown, and I wont take responsibility for unknown debts. This is fraud and is being reported inaccurately and without consent.
Product: Credit reporting or other personal consumer reports

I did my due diligence and contacted them to have the honor their part of our agreement. I was told this would be updated in XXXX days but it still appears on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXXn XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX CXXXX Inquired on FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX  account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is deficient in reporting this alleged entry, giving me no fair and equitable opportunity to challenge/correct it as inaccurate. They are denying my right under FCRA to contest this improper XXXX XXXX
Product: Mortgage

To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX
Product: Debt collection

This Company Actions Collections agency, is harassing me. They call me at least once a week. This morning I missed a call from a unknown number and checked my voicemail, The voicemail stated as such " This message is for *redacted name*, My name is XXXX with XXXX, please return my call at XXXX XXXX XXXX. '' This is misrepresentation at its finest! 
Also, They wont settle the debt that i owed but want 45 % more than the initial gym membership charge.
Product: Credit reporting

I received the response from XXXX that they had corrected that this amount was not owned, but Experian still has it reflected as negative information. The corporate office of XXXX responded and apologized and they keep soliciting me to be a customer, but Experian has not updated and corrected this information as it was not a charge off, and there is not a {$360.00} that is still owed. Experian really needs to be investigated for this type of behavior and contact the company for solid verification.
Product: Debt collection

I went to XXXX XXXXXXXX XXXX  in XXXXXXXX XXXX XXXX  after speaking to XXXX XXXX by phone and being interested in learning more about health programs they offered. I filled out paperwork and included my insurance information then. XXXX advised my insurance would cover my visit, so, I proceeded to come in as scheduled. XXXX took XXXX XXXX and told me we could discuss further options once my XXXX XXXX came back. I later received a bill for {$840.00}. When I contacted the office on why I was receiving a bill, they stated my codes were billed incorrectly and they would try again. 1 month later I received another bill. When I called back, the representative stated my insurance plan does not cover XXXX, however, I was not being seeing for XXXX. XXXX advised I need to do a XXXX ( XXXX XXXX ) and after that, we could discuss health options. I never came in for " XXXX ''. I called and emailed XXXX billing department and asked for them to correctly bill under XXXX XXXX XXXX and they refused. I have an isurance plan that 100 percent covers my expense. I am not responsoble for XXXX XXXX inaccuratly billing my insurance for XXXX. AR Soluntions has now inaccuratly billed me for {$840.00} under account XXXX and {$920.00} under account number XXXX. I do not owe {$1700.00} to AR solutions or XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Inquires below are fraudulent and have violated my consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask for unauthorized inquiries on my report to be removed. The companies response was they were able to validate and show that theres items listed were in fact authorized by me. I want the company EXPERIAN to remove these harmful inquires from my credit report in compliance with the fair credit report act. Im am new to credit but i understand the rules and laws, im in the process of putting a freeze on my profile to prevent this from happening again.
Product: Mortgage

I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars
Product: Credit reporting or other personal consumer reports

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY XXXX} IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, datedXX/XX/XXXX that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

DLSTFDXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFDXX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXXDLUNST XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFD XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNST XX/XX/XXXX Approved : General Forbearance XX/XX/XXXXXX/XX/XXXX DLSTFDXX/XX/XXXXApproved : Delinquency Forbearance XX/XX/XXXXXXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXX Approved : Delinquency Forbearance XX/XX/XXXX-XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXXAs  you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments fromXX/XX/XXXX- XX/XX/XXXXbe updated and/or corrected and removed to accurately reflect my payment status.
Product: Credit reporting or other personal consumer reports

I became aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Ocwen Loan Servicing illegally foreclosed on my home back in XXXX. They never legally had the right to collect anything from me. The original creditor on the contract clearly states goes by the name " XXXX '' They have never shown any evidence where they purchased the contract from XXXX. Now to this day XX/XX/XXXX I obtained a copy of my credit reports which shows too many inaccuracies reported by Ocwen Loan Servicing. I disputed this account with the credit bureaus and yet OCWEN LOAN SERVICING claims to have verified the information as COMPLETE and ACCURATE. Number 1. OCWEN Loan Servicing does not have the right to report any information on me to the credit bureaus, number 2 the information and accounting they are reporting is inaccurate. The payment histories between the credit bureaus do not even match each other.The term set with the original creditor is inccurate. As of now I cant get my home back as its been sold and I have  a XXXX balance, but I want Ocwen Loan Servicing to remove and delete any and all entries regarding this account to from XXXX, XXXX, and XXXX. As the reporting is not and has not been properly investigated by Ocwen Loan Servicing nor is it complete or accurate, yet they fraudulently verify this information with the credit bureaus when disputed by me.
Product: Debt collection

This collections agency called American Collection Agency DBA Retrieval Masters Creditors Bureau Inc had my personal private information on file for a debt that I do not owe and they did not realize they had a data breach which affected people in their system. Now I received a letter to let me know that my personal info could be on the dark web. 
What kind of lack of security are you running? You should be sued for losing people 's private information.
Product: Debt collection

I was emailed on XX/XX/XXXX from Genesis that my collections was past due and placed for collections on XX/XX/XXXX. I spoke to an employee at Genesis and she told me that since I cant afford to pay the total amount immediately that I should use my car as collateral. I was never told that I could dispute this. I was confused because I ended my lease in XXXX and tried to get in contact with XXXX XXXX XXXX to pay the bill and never recieved a call back or response. Also my total when I signed the papers to end the lease was {$2300.00} and now they say that I owe {$6100.00}. I get a call from Genesis every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported that a  XXXX  credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over  XXXX  points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each.  XXXX  has updated and correct information on my credit credit report if they would like to compare.
Product: Debt collection

I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter into Experian regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my Experian credit report due to Civil Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on that bankruptcy and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY
Product: Credit card or prepaid card

On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different Best Buy stores in IL and SD. I live in Colorado and have never shopped at a Best Buy. The cards were issued by CBNA.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no idea what it is, and I am 100 % sure it is not mine.
Product: Credit reporting or other personal consumer reports

I was extremely frustrated to see an unauthorized inquiry suddenly appear on my credit report today, with no explanation. I check my report frequently, and this has never happened before. At first, I thought it might be a system error, so I refreshed my browser, but the inquiry remained. This issue needs to be resolved immediately. I demand a thorough review of the documents I have submitted so I can finally have peace of mind.