23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received XXXX through XXXX and got a message stating it wasnt meant to be sent to me, but to another person if I could send it to the correct party which I did.. Did not touch the XXXX at all. WF calls stating I mayve been involved in a fraud that they require me to change my info ( user and password ) which I did and left it at that. A month later WF takes XXXX from me and I then submit a claim letting them know the first issue and they can check my bank statements that I did not take anybodys money. One of the representatives stated they see what Im talking about that Im right and will pass it over to another team to look over it and they will get in contact with me. Never did, only sent letters that theyre closing the claim. I submitted 3 claims and all have been denied to return my own money, XXXX.
Product: Credit reporting or other personal consumer reports

I requested them to remove erroneous information over a month ago over the phone and resent via certified letter on the XXXX XXXX XXXX because they never removed from my verbal complaint. and I included a copy of my current address and submitted my Drivers License that matches my address and a copy of my social security card with the certified letter. 

I requested them to remove an XXXX XXXX collection and XXXX late payments from XXXX XXXX XXXX XXXX and as stated above I sent all the required information. Equifax, sent me a letter simply to delay the process requesting this information again. I request that equifax remove these items immediately for it has been past the XXXX days since this was requested and they already have the information that they are requesting for it was all sent via certified letter. I refuse to pay another XXXX dollars to send what I've already sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX I checked my credit score via XXXX, and noticed a new and unknown collection account. This account claims to have been opened XX/XX/XXXX for {$2300.00}, the original creditor [ XXXX XXXX XXXX ] is unknown to me and I have never been contacted by phone or in writing by the representing collection agency [ Metro Area Collection Services ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), so I immediately started an online dispute. I also issued a written debt verification letter to the reported agency requesting immediate verification / removal of the debt. This notice was written and mailed on XX/XX/XXXX. To date, XX/XX/XXXX, I have never received anything in writing from this firm, have never been contacted by them, and have no knowledge of the claimed original creditor. This debt is unverified and has been filed unlawfully per The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Debt collection

I first found the collection company reporting on my XXXX credit report. I disputed it with XXXX on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted Phoenix Financial Services on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my XXXX  Report. I am requesting that Phoenix be removed from my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SCXXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX XXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

My credit is still showing that I was late on a mortgage payment with Freedom Mortgage within the last 12 months. The last time we were late was back in XX/XX/year>. We have made payments in time since then. We are trying to finance for HVAC because we have no AC in our house and we need a whole new system, because it is showing that we were late on mortgage in the last 12 months, we do not qualify for financing to get AC in our house. This needs to come off my credit report because that late payment was about 2 years ago, not within the last 12 months.
Product: Credit reporting or other personal consumer reports

Collector - XXXX XXXXXXXX auto finance The referenced account is disputed due to multiple discrepancies. 
The account listed on XXXX and TransUnion does not belong to me due to the provided account number being incorrect. XXXX is showing the last XXXX as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my XXXX file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my TransUnion file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing XXXX payments which is equal to 48 months. However, XXXX and Transunion show a term duration of XXXX  months. 
Each time this account has been disputed it was not noted by XXXX nor Transunion, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account.

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I know that I may have become a burden because of the complaints that Im filing and I understand whats going on with CFPB if we win or lose we will still have stability to fight with CFPB if we lose them, we lose all hope. Ive been disputing in accuracy with Equifax Transunion Experian about My closed written off accounts with XXXX  XXXX and my XXXX  XXXX XXXX account. I have miraculously open my old XXXX XXXX account and it shows everything that was going on before the couch was written off it also states that my accounts Should not be still being reported as late payments. These are not XXXX  words the CFPB words or XXXX XXXX words this is what XXXX XXXX has on my account. The term past due fee and late fee are interchangeable and refer to a customers account for failing to make a payment its due date ( DATE ) I am sending information that XXXX XXXX has in bowl black letters posting Debt I am still required to pay off my outstanding balance, and on the top of that, it states your account wont be accrue more interest or past due fees XXXX XXXX states that theyre not reporting these Account as late payments on my credit report. I understand that Im disputing again with you and complaining again which view but the XXXX major credit bureaus are not abiding by federal guidelines and laws and the fair credit act I want my late payments dismissed. Erased deleted the accounts can still stay there, XXXX XXXX states there theyre not reporting these as late payments. Because last month they updated them and this month they updated them and I feel like every time you all submit documents to the XXXX credit bureaus they update them as late payments. Thank you for understanding and Im sorry about keep interfering with your busy work schedule, see documents attached.
Product: Checking or savings account

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX, where I purchased two drinks totaling approximately {$9.00}, including a tip. After this transaction, I left the bar and made additional purchases elsewhere. 

On the morning of XX/XX/XXXX, I noticed a pending charge of over {$570.00} from XXXX on my account. I immediately contacted USAA and was advised that the account would be monitored since the charge was pending and not yet deducted. 

However, on XX/XX/XXXX, the charge of {$570.00} was posted and deducted from my account. I also noticed another pending transaction of {$580.00} from XXXX, which, fortunately, was never processed.

Upon further contact with USAA, I was informed that a dispute was initiated and that I had received provisional credit. During my discussions with representatives, I was advised that USAA would conduct an investigation, and I was not required to contact the merchant directly.

After several follow-ups, I was eventually provided with XXXX contact number, ( XXXX ) XXXX. I have requested that USAA contact the merchant directly to obtain a copy of the receipt, including my signature. I do not possess my receipt from XX/XX/XXXX, so I am reliant on USAAs assistance in securing this documentation. Ive also filed a police report with the XXXX XXXX Police Department because this is fraud.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding fraudulent accounts ( XXXX XXXX XXXX and XXXX ) on my credit report. I provided a valid FTC Identity Theft Report, yet Experian has failed to remove these fraudulent accounts within the legally required timeframe. These accounts are impacting my ability to secure housing and other financial necessities. I am requesting immediate removal of these accounts per the Fair Credit Reporting Act ( FCRA ). Please investigate and resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I have attached a written dispute along with my social and identification. There is multiple accounts with inaccurate or incomplete information.
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 identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea any Equifax has a dispute open from XXXX. This needs to be resolved please : Confirmation number : XXXX Submitted XX/XX/2021 Under investigation Completed ( estimate ) XX/XX/2021 I also need the employers OTHER AND FLLGS REMOVED AS MY REPORT HAS THE OTHER CORRECT EMPLOYER LISTED
Product: Mortgage

We currently have a loan with Ocwen. We were naive and got into a loan we should have never qualified for and should have never accepted it. This was in  2006 . After receiving mailers and offers to refi through their sister company   Homeward we thought it would be a good time and put in an application. That 's when the mess began. To keep this simple here are the main issues.
1. We received a denial letter before we even completed our submission of required paperwork. I had been sending documents over and requesting for statuses by email from the processor who failed to respond on multiple occasions. Without the opportunity to complete the information requested or being advised further information was needed how could they deny the loan. I have a copy of the underwriters book from Homeward and this is against thier policy.
2. We w  ere charged  XXXX  for the appraisal and according to the appraisal itself it was only  XXXX . There was never any mention by Homeward they were tacking on anything additional.     3. They claim they could not verify employment. My husband works as a   XXXX   XXXX   XXXX   with a client in our home. We provided check stubs, tax documents showing the room and board portion of the income, checking statements showing deposits that match the stubs, a verification letter from the company that pays us, an email from the company that pays us, it 's documentation with the statute that applies to difficulty of care payments and why it was n't on the tax documents. Once all of that was provided they moved on to other requests then we had the appraisal. I was under the impression that the income was ok because we received no communication from them to lead us to believe there was any issue prior to the appraisal as I was not receiving responses from the processor. If I had I would have either complied with request or cancelled the appraisal.
3. They stated that our loan was denied as well due to a credit score. They credit score w  as  XXXX . Not great but they knew all that before the appraisal and never once mentioned it and was actually told it would be fine. Their concern was debit to credit ratio but because we were cash out to consolidate that would have resolved that problem immediately. It was explained to me that with the cash out and pay off because the debt was being paid off it would n't count toward the ration for fha.    4.  Our house appraised at  XXXX  higher then what i  s owed.I believe that because Ocwen and Homeward are basically same company different name that they did not want to rewrite the loan as they stand to make a lot more if t hey leave us in the high interest rate and balloon payment. Why else would they not let us finish our submissions, not respond to emails and status checks.
5. In constant and no communication. Not responding to emails or calls.
6. Notifying of the decline and not complete the file.
These are the main issues. Communication was the worst
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
Product: Vehicle loan or lease

I traded in a XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXX, NV around XXXX of XXXX. Now the XXXX loan was through capitol one and I received the full payoff amount so I could trade in this vehicle for my newer one and the full 10 day payoff was not submitted in time after i handed it over to XXXX XXXX XXXX XXXX. So I dont know if the check was lost between these two places or if one of the places decided to take their time to pay it off. However this was not my fault and I would love to have this negative remark off my credit because I was not late I gave the 10 day pay off it should have been taken care of and I should not have any late marks on my account for this account. Please take this negative remark off my credit account.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$10000.00} that was financed through XXXX XXXX paying {$300.00} per month. After XXXX monthly payments totaling {$5100.00}, my principal balance is XXXX. This means that after these XXXX payments the principal was only reduced by {$260.00}. Are there any regulations which governs this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Product: Checking or savings account

Navy Federal Credit union overdraft lawsuit, I am affected by it and would like back payment for any wrong doing.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information on my report includes the following : A charge-off account with XXXX XXXX, marked as charged off as bad debt, with a balance of ( private ), updated in XX/XX/XXXX. A hard inquiry from XXXX, recorded on XX/XX/XXXX. Collections reporting includes XXXX XXXXXXXX with the original creditor being XXXX, balance of ( private ), updated on XX/XX/XXXX ; XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXXXXXX XXXX XXXX, balance of ( private ), updated on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX with the original creditor being XXXXXXXX XXXX, balance of ( private ), updated on XX/XX/XXXX ; and XXXX with the original creditor being XXXX  balance of ( private ), updated on XX/XX/XXXX. Accounts closed and marked as delinquent include XXXX, listed as a collection account with a balance of ( private ), updated on XX/XX/XXXX, and XXXX XXXX XXXX marked as closed with a balance of {$0.00}, updated on XX/XX/XXXX. 

These fraudulent accounts and inquiries have resulted in several inaccurate items appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # [ your actual case number here ] as proof from the US Federal Trade Commission.
Product: Debt collection

I received an email stating that my credit score went down XXXX points and its from this company called AR Resources and last year the same company lowered my credit score saying I owe money and then I received a report saying that my debt was paid off and now they are trying to charge me for what? I havent been to the hospital in a good while now. I did go this year but it was for my mom she was not feeling well and I accompany her to the hospital. Im not sure what is going on or why they are charging me when supposedly the debt was removed back in 2021?