23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous account balances that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine.
Product: Mortgage

My wife and I sold our house in XXXX. We had a mortgage with Ocwen Bank and it was serviced by Ocwen Loan Servicing LLC . The loan was paid in full and we never made a late payment on that or any other account. Our credit has always been perfect. Recently, we applied for a credit card and were notified that our credit score was in the low to mid XXXX range so we had to pay an interest rate higher than their best rate. This prompted me to pull my credit on XXXX and I was shocked to see a 30 day mortgage late reported by Ocwen in XXXX. We closed on our home in XXXX. I called Ocwen Loan servicing and they said that our account was paid in full and there were no lates. I then called XXXX, XXXX, and XXXX and all XXXX said that when Ocwen contacted them to say the loan was paid in full, they reported a 30 day late. I called Ocwen back and they said that the problem is resolved because they are not reporting a late. I then called all of the bureaus again and asked if the 30 day late has been removed and they said no. Ocwen Loan Servicing has been giving me the run around for a week now and the last I heard, it may take 30 days or longer to clear this up. I need Ocwen to contact these credit bureaus and tell them that this account was not late in XXXX or ever. Please help. I am in the process of applying for a job and do not want them to see a recent mortgage late on my credit report. Waiting 30 days or longer is unacceptable! Please hold these people accountable for their mistake.
Product: Student loan

On XX/XX/XXXX, I contacted Navient to remove my deceased grandfather, who died on XX/XX/XXXX, as a co-signer. I had completely forgotten that he was on the account, due to the fact that I have been the only one paying on it since I graduated in XX/XX/XXXX. When I called, I reached the automated system and it asked me why I was calling. I stated, " co-signer death. '' The automated system then directed me to a prompt, which stated that I would need to speak to a representative. Instead of transferring me to a rep, the system disconnected on me, which was very frustrating, but I understood. So, I called back and got the automated system again. When prompted, I stated " representative. '' The system said, " In order to get you to a representative, I need to know the reason you're calling or I will have to disconnect the call. '' In my opinion, if I say representative, you transfer me to a representative. I understand that the company probably does this to eliminate transfers, but the first representative I spoke to had to transfer me anyways! So frustrating. Then I finally get to the agent that's supposed to " help '' me and they tell me that I need to mail in the original death certificate. My grandfather has been deceased for 3 years and now I have to find this death certificate, pay for postage, and send it in. Minor inconvenience, I thought, but then the representative asked me several questions about his death. " Did he go to a hospital? '' " Which hospital? '' " What funeral home was used? '' " What's his mother 's maiden name? '' " What's his father 's name? '' What is the point of all these questions if I'm sending you the death certificate?! That alone should be enough to remove him from the account. Before I disconnected, I asked the agent what would happen if I couldn't get the death certificate. The agent basically told me this was the only way to get him removed, so if I didn't do it then he would remain on the account. This was such a frustrating process, when all I really want is mail to stop coming to his old house. Not to mention the fact that I'm not even remotely close to having him removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Checking or savings account

Reason too much fee each checking also too high fee {$36.00} dollar per checking. Reason I am on XXXX. not big money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Experian The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, 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. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

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

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My account with XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not believe they did a full investigation on the account because it is incorrect.. Transunion keep on saying that XXXX XXXX  XXXX  is a charge off, they were paid off and was not late..CFPB step up and remove the account asap
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX Balance : {$990.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$690.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX XXXX : {$1900.00} US DEPT ED XXXX Balance XXXX {$990.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$690.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$1300.00}
Product: Debt collection

Since XX/XX/2019 Sunrise credit at XXXX XXXX XXXX  NY XXXX services is harassing me opening and closing account Ive tried to talk to them and they wont help me in anyway Im homeless with XXXX  XXXX  trying to move into a home but this is causing issues for my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX for the past XXXX years going to XXXX and just got back early this week. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via US mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Product: Bank account or service

I have a complaint against U.S. Bank XXXX. I noticed I was overdrawn XXXX. I immediately deposited XXXX which brought up account balance to a little over XXXX. Then they still going to charge me an overdraft charge. Why? The account was n't overdrawn at that time ...? Seems they are mad because I got the account back up before they had the chance to charge me, but chose to do so anyway. I want my XXXX back. How dare they pull such shady practices. Most banks give you XXXX free overdraft, this was my fIrst XXXX. Please help me as banks should not be able to pull such bogus deals. 

I want my XXXX refunded. 

































XXXX {$20.00} - {$4.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX Ia {$6.00} {$15.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.
Product: Credit card

I received an alert on my XXXX  report stating that someone applied for a credit card today. I havent applied for a Navy Federal card at all so someone tried to apply in my name.
Product: Mortgage

The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the  shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.
Product: Payday loan, title loan, or personal loan

I filed a Complaint against XXXX, which serviced the loan for XXXX XXXX. They transferred my loan to Universal Account Services, requesting the incorrect loan amount for two months. I will have to pay it with my credit card, or my credit will be ruined, and my credit is good. I was not 30 days late on my payment, but Universal Account Services has me paying for two months in XXXX, and I was not behind on my charges. I was not 30 days past due. I spent every month. It may have been on the XXXX to later but never 30 days past due. I had a XXXX XXXX at XXXX  in XXXX, NC, XXXX, who negotiated my downpayment of {$500.00} to be refunded to my credit card company at XXXX XXXX. Still, the agreement for a full and complete refund fell through, and my account was transferred from XXXX to Universal. I am a senior, age XXXX, raising my young granddaughter, an orphan. This is beyond stress, and having survived XXXX and dealing with XXXX  is a lot. How do you transfer a fraudulent loan in less than 30 days?
Product: Checking or savings account

I STARTED RECEIVING EMAILS ON XX/XX/2021 AT XXXX STATING AN ONLINE CHECKING ACCOUNT HAD BEEN APPLIED FOR. THEN THE NEXT FEW EMAILS AFTER THAT STATED ACCOUNT WAS APPROVED AND THEN THE FINAL EMAIL SHOWS THE EMAIL ADDRESS HAD BEEN UPDATED TO A DIFFERENT ONE ON XXXX I REPORTED THE MATTER TO WELLS FARGO CUSTOMER ADVISORY GROUP OR C.A.D. GROUP FOR SHORT AT XXXX. ONCE REPORTED, I WAS GIVEN A CASE # AND ADVISED THAT SOMEONE WILL CONTACT ME IN 3-5 DAYS. THE REP ALSO CLOSED THE ACCOUNT TO ADVOID FURTHER TRANSACTIONS FROM OCCURING BEYOND. 
PLEASE ADVISE ANY FURTHER ASSISTNACE TO ADVOID MY CREDIT BEING DAMAGED BY THESE THIEVES. 
THANK YOU IN ADVANCE FOR YOUR ASSISTANCE.
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 confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX 's Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX IXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 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 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 crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX Washington XXXX sent me to a debt collection service over an alleged debt from XXXX. I was not notified of this debt previously. The website attached provides an email address to direct billing questions to, and it does not work. XXXX I was not given an opportunity to pay the invoice sent by XXXX to me, after I was sent to collections, despite the invoice being the first time I was made aware of an alleged {$30.00} debt. I was not provided proof of the debt, not provided proof that I did not pay nor was I offered an explanation of why XXXX YEARS had passed prior to attempting to collect a debt. The bill date of this alleged debt was XX/XX/XXXX as per the attached statement. How can I be billed for something AFTER I was sent to collections. 


XXXX had previously invoiced me for another bill a year after the fact, and communicated to me repeatedly that it was past due ( despite the delay being caused by their error, and I paid the bill. XXXX repeatedly behaves in a predatory manner where the patients are responsible for the billing and process failures of the hospital. This is unjust. 

I attempted to communicate with them numerous times, often getting a voicemail. The most recent time that I was able to communicate with them was on the week of XX/XX/XXXX. The only communication I received from them was that I had to pay the debt to the debt collector, with no explanation of the above.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account Name - XXXX XXXX XXXXXXXX XXXX XXXX Transunion Account Name - XXXX XXXX XXXX XXXX - XXXX XXXX and Transunion are reporting the account status as derogatory while XXXX is reporting the account status as paid. 

XXXX and XXXX are reporting that the account was opened on XX/XX/XXXX while Transunion is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$33000.00} while Transunion and XXXX are reporting {$35000.00}. 

XXXX is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and Transunion is reporting a last report date of XX/XX/XXXX. 

XXXX is reporting a date of last payment as XX/XX/XXXX, Transunion is reporting a date of last payment as XX/XX/XXXX and XXXX does not report the last payment date. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and Transunion is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in my credit report