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

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Since XX/XX/XXXX, I have written many certified letters to Equifax regarding inaccuracies and FCRA violations for the XXXX XXXX XXXX account found on my Equifax credit report. Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for this account on any of my credit reports since my initial request back in XX/XX/XXXX. In follow up letters dated XX/XX/XXXX and recently XX/XX/XXXX, I again asked why they had not posted a Notice of Dispute to my credit repost and have never received an answer or a correction. I have attached the three letters of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have highlighted in yellow the account we are discussing. I have also included a PFD two page document of this account from my most current Equifax credit report to show that even after 12 months, Equifax has refused to post my Notice of Dispute in the comment section for this account. 

As youre aware it is required under the FCRA requirements to place a Notice of Dispute within 30 days on an account when a credit reporting agency is notified of a dispute. Failure to do that is a violation whereby the violating credit bureau can be be sued for statutory damages of {$1000.00}.
Product: Credit card

I want to close my Sears credit account. I called the number on the card and spoke to " XXXX '' - no last name or ID number. She refused to cancel the account because I could not provide the phone number we had years ago when we opened the account - and I do n't remember what it was. I was able to provide all other verifying information, and offered other verification as well. She insisted that she could not close the account. I asked to be transferred to a supervisor. She told me that no supervisor would be willing to talk to me. I insisted, she put me on hold for over XXXX minutes. When she came back she transferred me to " XXXX '', ID " XXXX '', who said she was a supervisor. XXXX asked the exact same questions, and then refused to close the account because I could not provide the phone number originally used in opening the account. Again, I offered other verification but it was refused.
Product: Debt collection

I have disputed this account with each of the 3 credit bureaus and the only response I got was a statement added to the account stating that I disputed it. I have submitted a compliant to you in regards to this and the company responded that I disputed the claim with their office on XX/XX/XXXX which is true however to date I have no verification that this is my account. I have NEVER seen this physician and have contacted Credit Collections and the credit bureaus numerous times and am getting no where. This account needs to be removed from my record with all 3 credit reporting agencies.
Product: Credit card or prepaid card

Self inc seems to be waiting for interest can be incrued before they take a payment ... it's been 5 business days plus 3 weekend days and my payment is still not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 - FNB OMAHA has placed an Inquiry on my XXXX report that I do not recognize. I did not give this company/creditor consent to pull my credit. Please remove this inquiry ASAP. 

Thank you.
Product: Debt collection

I am a victim of trafficking for debt bondage for a debt that I did not benefit from. There is a instrument identified as XXXX XXXX XXXX that has been recorded without my authority and without the acquisition of XXXX XXXX XXXX XXXX, the holder in due course. I need XXXX XXXX XXXX XXXX and its successor Ocwen Loan Servicing to provide information regarding its involvement in which has transacted business without my authority. ( See Attachment Trust Deed ) History XXXX XXXX XXXX XXXX ( acquired by Ocwen Loan Servicing, llc sometime in 2011 ) recorded a Trust Deed Document # XXXX XXXX which purports it was the attorney in fact for XXXX. 

Question # 1 : Was XXXX the attorney in fact for XXXX? If yes, inform me as to how XXXX obtained the account? i.e. : XXXX purchased an asset? AND from whom? i.e. XXXX XXXX and XXXX, XXXX XXXX ( a holdings company ) a private party, private broker or other? 

Question # 2 What is the exact description of the property involved? e.g. real estate immovable, land and building property OR tangible personal property? ( vessel, furniture, fixtures, tools, machinery, household appliances, signs, equipment, leasehold improvements,  supplies, leased equipment, and any other equipment ).
Product: Mortgage

OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 an account without my written instructions. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 an account without my written instructions. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was recently reading the NAVIENT complaints online and this too has happened to me. I tried to get help from them directly, with no resolution and therefore went to a XXXX company called XXXX and they have charged me an outrageous price to get started and then I 'm getting calls saying that NAVIENT is not receiving the payments when I no longer deal with them directly. I just want to know if I 'm getting any results or if my money is being taken every month and I 'm getting nothing in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Product: Mortgage

I schedule regular payments through my bank just over the amount typically due. When my statements comes in I make adjustments if necessary, ( happens occasionally due to escrow fluctuations ). I did not receive a statement for my XX/XX/XXXX payment.. The XX/XX/XXXX payment processed through my bank for {$1300.00}. My XX/XX/XXXX statement claims that I missed a payment and my amount due is now {$2800.00}. My payment due went up to {$1300.00}. This would indicate that they received nothing from me for the XX/XX/XXXX payment. And they attached a {$41.00} late fee on a payment that was short @ {$75.00}. I don't believe that it's a coincidence that the only time I didn't receive a statement coincided with an increase in the amount due. Di Tech just went through Chapter XXXX. I don't believe this is an isolated event. 
Thanks for your attention,
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation oXXXX XXXX XXXX XXXX XXXX XXXXnd XXXX XXXXXXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX OF XXXX XXXX Date XXXX XXXX : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX ACCEPTANCE Date of Inquiry : [ XX/XX/XXXX ] XXXX Date of Inquiry : [ XX/XX/XXXX ] According to XXXXXXXX XXXX XXXX  XXXX, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA. 

Additionally, per XXXX XXXX XXXX XXXX, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

In  XXXX    XXXX  , my wife and I contracted to have an  XXXX   XXXX   solar system  (  XXXX  solar panels and inverters ) installed on our home through  XXXX  ( dba  XXXX   XXXX   ,   XXXX   ).  We have an invoice showing that we paid in full for the system, which I will attach. A few months ago, we began receiving statements from a company named Service Finance Company , LLC. They did not identify themselves as a debt collector nor relate the amount on their statement to the system we had installed. I thought it was just one of those mail phishing schemes where you send one payment and you 've suddenly signed up for a loan. I was throwing them away. Last week, we began receiving emails from a  XXXX   XXXX  stating that we owed {$7100.00}. We requested they send a contract showing that we owed that amount.  XXXX   XXXX  sen t one of th e statements we had been receiving in the mail ( also attached  ). W e wrote back requesting to see a  XXXX  contract. What we received today was an ALTERED version of our original contract with  XXXX   ( also attached ). It   appears that  XXXX  is no longer in business. Nor can we reach anyone at  XXXX   XXXX ,  XXXX   ( w e left a message, but there has been no answer ). We believe we are being targeted in a fraudulent scheme to bill us for money we do not owe on behalf of a company that is no longer operating. We have submitted a complaint with the Texas Attorney General 's office, but are looking for any help we can get. Thank you very much.
Product: Debt collection

I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX  the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have tried to dispute and contact this agency for the past two years but they will not comply with my dispute.
Product: Credit card or prepaid card

Folks : I have tried to rectify, with Avant, a balance they are saying I owe that were some fraud charges on my card. These were reported to Avant. They said they would remove these charges from my card, many months ago. 

Today, via XXXX XXXX, I became aware they were charging off an amount of {$260.00}.
Product: Debt collection

To I C System : My credit report has an account ( {$690.00} ) reporting that is unknown, unverified and is a violation of the FDCPA and the FCRA and MUST BE DELETED FROM MY CONSUMER REPORT. I asked for specific documents to be sent to me. This did not happen. Since you are still reporting the unknown account on my consumer report, I will be preparing to take further action for damages for each month this account has been reporting on my consumer report, up to {$1000.00} per violation. And I will be seeking for other damages as well, under the FCRA and the FDCPA. ( I C SYSTEM WILL BE LIABLE BECAUSE YOU ARE THE ONE REPORTING THE ACCOUNT TO THE CREDIT REPORTING AGENCY )