23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In 2012 I set up a temporary account for a one month rental we had at a house in XXXX XXXX XXXX, GA, just outside of XXXX. I closed the account after we moved out and paid the bill fully. Someone else moved into the house a month late, activated the account and then never paid the bill. 2 years later I got a bill, filed a complaint to XXXX and then they handled the dispute for me and said it was all taken care of. 

Two weeks ago I applied for a mortgage to buy my first home and my mortgage broker let me know that there was a negative file for " closed '' dispute on my file for XXXX for XXXX. I have called, emailed, called, emailed and have gotten no response from XXXX. 

This is significantly hurting my score and lowering my approval process on my loan. I am really upset that someone was able to use my identity, get this account set up and then after hours and hours of calls on the phone with XXXX I was told it was all handled and now 2+ years later its effecting me negatively. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX  and XXXX correct and remove this inaccurate info from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Several months ago, Experian decided to lock me out of my online account. In XXXX a letter was sent to them explaining that I was unable to access my account and since my last access, I had changed my number. I have attemped to call them at the number they provide on the web ( XXXX ) and was not able to have this problem address because of the limited options which are provided and there is no option that allows a person to speak with a live operator. This is a blatant denial of access to my credit file especially when letters are being sent to them.
Product: Mortgage

After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.
Product: Debt collection

Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete # XXXX as soon as possible from my report or I will have to take legal action.
Product: Debt collection

U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.
Product: Credit card or prepaid card

I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.
Product: Debt collection

RE : You violated the United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms FCRA 605B ( 15 U.S.C. & 1681 c-2 ) THIS IS XXXX XXXX XXXX!! THE REAL DEAL XXXX XXXX XXXX. I am SUBMITTING this ON MY OWN BEHALF because I am mu own natural self. I HAVE NO OTHER AUTHORIZED THIRD PARTY! so don't pull that stuff about this being an unauthorized third party because I know you use that as a stall tactic. I also included my social security card because I am the only person who would be able to have access that that credit card plate. so basically somebody got my information and they are out here just running up and applying for different lines of credit using all my information. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES. Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around. According to FCRA 605B this information must be blocked immediately until the investigation is over and that is the LAW. If I received good and services, then I need you to please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. I can't get approved for nothing, I wan na buy a house very soon and y'all are stopping me. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. FAST!!!! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the business that sent you that information.
Product: Credit reporting or other personal consumer reports

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX2019 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically unde

r 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. Collection Accounts : Under 15 U.S.C. 1681s-2, furn
ishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE CAREFULLY READ FTC REPORT, AND ALL OTHER ATTACHMENTS. PROPER IDENTIFICATION IS ATTACHED AS WELL. 

XXXX XXXX XXXX IS COMMUNICATING WITH ME ABOUT AN ALLEGED DEBT THAT I DO NOT OWE THEM. DEBT IS AN OBLIGATION OF THE UNITED STATES..NOT ME. I HAVE NO CONTRACTUAL AGREEMENT WITH XXXX XXXX XXXX.CXXXX XXXX XXXX HAS OBTAINED MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT AND SHARED IT WITH A NONAFFILIATED THIRD-PARTY ( EXPERIAN ) AND USING IT FOR THEIR FINANCIAL GAIN AND AT MY EXPENSE AND ARE HARASSING ME AND TRYING TO COERCE ME TO PAY A DEBT I DO NOT OWE. XXXX XXXX XXXX IS IN DIRECT VIOLATION OF THE GLBA, FCRA, AND THE FDCPA. PLEASE DELETE THE ALLEGED DEBT AND ACCOUNT FROM YOUR FILES AND RECORDS IMMEDIATELY!! I AM ENFORCING MY RIGHTS AS A CONSUMER WHICH XXXX XXXX XXXXXXXX AND EXPERIAN ARE TO HONOR. 

EXPERIAN IS REPORTING INFORMATION FROM XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT WHICH I DO NOT AUTHORIZE. EXPERIAN IS IN DIRECT VIOLATION OF THE GLBA AND THE FCRA. EXPERIAN FAILED TO CONDUCT THOROUGH INVESTIGATION RELATING TO THE ALLEGED ACCOUNT BEFORE REPORTING IT ON MY CONSUMER REPORT. EXPERIAN DID NOT CONTACT ME NOR GET CONSENT NOR AUTHORIZATION TO REPORT THE ALLEGED ACCOUNT NOR ANYTHING ON MY CONSUMER REPORT.
Product: Credit reporting 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 under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 XXXX 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: Mortgage

We have paid our mortgage, on time and in full ( actually, recently paying a little over the specified amount every month ) for a year now. The company will NOT allow us to delete the escrow account, and pay our own homeowners insurance and taxes, which we are more than capable of doing, on our own. They have " claimed '' various reasons. One being that we " should have requested that at the time of closing '', when NO ONE offered us that option or we would have chosen to do that. Another reason is that our " debt to loan ratio '' is too high -- 88 % as opposed to the desired 80 % -- when we have been told 2 other figures i the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX : XXXX XXXX RE : Equifax Data Breach This letter is a follow up to my original letter regarding inaccuracies in your credit reporting, regarding the unauthorized credit hard inquiries entries being reported under XXXX Hard inquiries EXACTLY ONLY from XX/XX/XXXX & EXACTLY ONLY from XXXX XXXX, XXXX. XXXX XXXX BANK XXXX Hard inquiry from XX/XX/XXXX. XXXX  BANK Hard inquiry from XX/XX/XXXX. XXXX XXXX Hard inquiry from XX/XX/XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the unauthorized credit hard inquiries is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed unauthorized credit hard inquiries are entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the unauthorized credit hard inquiries. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

In the Fall of XXXX, I received a letter from NewRez Mortgage / Shellpoint Mortgage Servicing in the Fall of XXXX indicating that I do not have home insurance and I will begin to pay for the lender-placed policy. I followed the instructions they sent to upload my policy information. 

In XX/XX/XXXX, I received a letter notifying me of my new payment amount because escrow is being set up on my behalf although I have always paid my own taxes and insurance. I sent an email to NewRez on XX/XX/XXXX reminding them that I pay my own taxes and insurance and to please update my account. 

In XX/XX/XXXX, I received a letter stating that my payment was past due. I called on XX/XX/XXXX and explained my situation to the rep. He acknowledged that he sees on my account that I am and have always been current with my payments and he saw that I pay my own taxes and insurance. He assured me that he would get the records corrected so that I would no longer receive these letters. 

On XX/XX/XXXX, I received a letter about my missed payments and the credit bureaus have been notified about my late payments. A hardship package was also enclosed. I checked my bank account to confirm that my last few payments went out. I tried contacting the mortgage company but have not been able to get through due to " high volume of calls due to Covid-19 ).
Product: Mortgage

In XXXX of XXXX, I applied to my Chase XXXX holder # XXXX for a Partial Release of Land. account # XXXX. After poor customer service along with being threatened that Chase could pull my mortgage. I had no other alternative but to seek refinancing from another bank. At that time I paid a {$300.00} application fee along with paying a surveyor to write a written description and a {$500.00} fee for an appraisal. ( that was not conducted ). 
I have since then made numerous complaints with no satisfaction. Until one day I received a voice mail from XXXX XXXX, Executive Office Senior Specialist from Chase. 
Phone # XXXX ext. XXXX. This voice mail was received on XX/XX/XXXX, from XXXX informing me " within 10 days I will receive a refund check from Chase for the amount of {$500.00} for the appraisal that did not happen. She also was somewhat snippy informing me I refinanced. AS of this date XX/XX/XXXX, I have not received the refund of {$500.00}. I have attempted to alll her regarding status and she does not return my calls.
Product: Credit reporting or other personal consumer reports

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX  XX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX
Product: Vehicle loan or lease

My truck was totaled and paid in full to American Credit Acceptance from XXXX XXXX. The truck was totaled on XX/XX/XXXX and paid in full to their office over the phone by XXXX XXXX on XX/XX/XXXX. I still get daily emails from them about an overdue balance. I paid the late fees {$100.00} XXXX days ago also and that hasn't been updated either ( which I realize could take longer to process ). I have contacted them on numerous occasions and the keep telling me that they still haven't recieved payment. I have told them multiple times that I have the invoice stating it was paid in full on XX/XX/XXXX.
Product: Debt collection

I paid account control technology {$1200.00} on XX/XX/2022.
Product: Credit card or prepaid card

This credit card account was supposed to be interest free as long as I paid it off by XX/XX/2017. I paid off all the purchases but then they charged me interest and now all these late fees on the interest. In addition, they are reporting this invalid balance as delinquent on my credit bureau report. I wrote them a very detailed letter and they never researched it or responded which is a violation of FCRA regulation.