23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} IXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00}
Product: Vehicle loan or lease

I was unaware of us auto sales selling they're loans to another company due to them going out of business and was not made aware of how to continue paying off my auto loan and was unable to get information from us auto sales. My truck was just repossessed by the new company Westlake financial and this is the first I've heard of said company owning my truck now.
Product: Mortgage

OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX, XXXX. 
on XX/XX/XXXX with a balance of {$76000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, AMEX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
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. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; XXXX  XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX. XXXX, XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX  Balance {$630.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from XXXX XXXX XXXX. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to know today my credit score suddenly dropped 30 points and I saw there was a hard inquiry done by XXXX XXXX XXXX on XX/XX/XXXX without my permission. So I am trying to report this as fraud hard inquiry was being done without my permission. I need to remove this hard inquiry from my credit reports. 

Another hard inquiry done which was fraud which I already reported long back was done by XXXX, XXXX done on XX/XX/XXXX. 

Need to remove these two hard inquiries from my credit reports of all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. 

XXXX works well and I succeeded in getting security freezes for myself and my wife. 

These data aggregators also mangle our data ( running names together into a single name ) making some information questionable. 

As for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. 

What is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. 

We also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.
Product: Consumer Loan

RE : XXXX-XXXX. 
On XXXX I have talked to Wells Fargo Waiver dept regarding non-drivable vehicle, due to accident, insurance cancelled without notice and Bank Stated there will be insurance on the vehicle and charge me additional premium on top of my regular auto payments. The representative ( XXXX at XXXX ) asked me to send ( via fax XXXX ) the null letter from Insurance company with the date of loss AND WELLS FARGO WILL DO A WAIVER FOR ME. I was advised, that Bank will send an adjustor to look at the damages, prior to mechanic/auto body shop working on it. Vehicle had been sitting at the auto body shop. The shop also contacted bank and no response received from the bank. 
I have made several calls, sent fax and also sent documents by visiting to physical Wells Fargo location in XXXX during my car payments. It 's been a year and no one responded to this matter or my questions. My payments had never been delinquent despite of the situation. 
Last month, I stopped payment, so the bank could contact me. When it became 29days past due, the bank contacted me. I have asked representatives to look into the matter as stated above. Representative became rude and could not help me, as her department was different, she failed to contact correct department to research the matter. Later bank called me again several times, I picked up the phone and they hang up without speaking to me. 
I need to understand where is the customer service to resolve issues? Why such matters can not be directed to the correct department in order to solve situation rather than incur more debt, ruin credit worthiness and letting client pay storage fee. When do I get a waiver on such?
Product: Debt collection

Hello! I have collection accounts that i never had and companies want me to pay money that i never owe. Im XXXX XXXX about it because it stops me from living like normal person or even criminal.
Product: Mortgage

XXXX XXXX XXXX XXXX transferred my mortgage to Specialized Loan Servicing on XX/XX/21. This complaint is addressed to Specialized Loan Servicing. I received a letter from them today stating that my home mortgage was delinquent. Then they offered me programs such as loan modification and repayment plans. My account with SLS is NOT delinquent. I have been with SLS since XX/XX/21 and I haven't missed a payment. When I called SLS today, I was told that the letter was sent to all customers to see if they were interested in any repayment options. So they sent letters to all customers stating that the accounts were currently delinquent? It is one thing if SLS wants to offer customers a repayment option. But it is deceitful and dishonest to tell customers that their mortgages are delinquent to get them to sign up for a new plan. SLS also claimed that I missed a mortgage payment on my credit report, which is not true. Although I called them and requested that they correct their inaccurate claim on my credit report, it still has not been corrected.
Product: Debt collection

Please provide Validation of Debt, Assignment of Debt, Method of Verification used as your in violation of my Hippa Rights. Also, unaware of this debt and did not get a notification and option to dispute. 

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

On XX/XX/XXXX Experian sent me an email stating that my FICO is XXXX with a credit usage of 50 %. 

0n XX/XX/XXXX I paid off a credit card that had an account usage of 7l %. 

On XX/XX/XXXX Experian sent an email stating that my Credit card balance was XXXX and my total credit usage was % 9 but my Fico dropped to XXXX. I called Experian customer service reported my issue to the representative and was informed that the organization couldn't tell me why the fico dropped without any new derogatory entries. I asked to be transferred to a supervisor, the supervisor stated that she didn't have an explanation and no one in the b organization could do anything about it and suggested that I hire a licensed credit advisor to explain what Experian had done. 

If they can't explain their own actions they should not have the authority to publish information that is financially debilitating. 

I paid off the credit card to increase my fico for a pending large transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.
Product: Credit reporting or other personal consumer reports

Hello I am currently trying to get my credit pulled with Experian and XXXX. However, the lender is telling me that there is some type of freeze or fraud alert. I need the fraud alert and freeze remove from Experian and XXXX because I can not make a purchase. The lender can not see my score or credit history. This is causing me so much agony and grief. Please fix this problem so the lender can pull my credit remove all fraud alert and Freeze on my credit.
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 confidentiality under 15 USC 1681 XXXX  XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # 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 an 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 crime which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please clarify what is insufficient information? I provided a dispute letter and ID to verify my identity. Please provide a copy of supporting documents to support the debt bearing the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in a repayment plan with Bank of America. Bank of America returned my payment XXXX XXXX, XXXX, would not accept payment. I hired an attorneys in XXXX they put me in a false foreclosure. This is still in court. Bank of America has committed purgery, withholding evidence and obstruction of justice. Court docket on XXXX/XXXX/XXXX N/A MG PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT IS DENIED. DEFENDANT HAS SUBMITTED AN AFFIDAVIT ( EX. XXXX ) THAT SHE ENTERED INTO A " REPAYMENT PLAN AGREEMENT '' WITH PLAINTIFF. THE REPAYMENT AGREEMENT ( EX. XXXX ) PERMITTED HER TO BRING HER ACCOUNT CURRENT WITH MONTHLY PAYMENTS. DEFENDANT AVERS THAT SHE PAID THE FIRST XXXX PAYMENTS UNDER THE AGREEMENT, AND THAT THE PLAINTIFF ACCEPTED THESE PAYMENTS. DEFENDANT THEN AVERS THAT SHE TENDERED THE XXXX, XXXX PAYMENT, BUT THAT PLAINTIFF RETURNED THIS PAYMENT WITHOUT EXPLANATION. DEFENDANT 'S AFFIDAVIT IS SUPPORTED BY A XXXX XXXX RECEIPT ( EX. XXXX ) FOR THE TENDER OF THE XXXX PAYMENT, AND IS FURTHER SUPPORTED BY A XXXX XXXX XXXX ( EX. XXXX ) THAT STATES " YOUR XXXX XXXX XXXX COLLECT MONEY TRANSFER HAS BEEN DECLINED. '' DEFENDANT 'S EVIDENCE, IF BELIEVED BY THE TRIER OF FACT, SHOWS THAT PLAINTIFF HAS BREACHED THE AGREEMENT BY REJECTING A PAYMENT CONTEMPLATED BY THE REPAYMENT PLAN AND MAY THEREFORE BE ESTOPPED FROM PROCEEDING WITH FORECLOSURE. DEFENDANT HAS THUS DEMONSTRATED THE EXISTENCE OF A GENUINE ISSUE OF MATERIAL FACT THAT PRECLUDES SUMMARY JUDGMENT IN FAVOR OF THE PLAINTIFF. FURTHER, DEFENDANT 'S EVIDENCE IS RELEVANT TO THE BALANCE OF EQUITIES IN THIS CASE. UNDER XXXX LAW, A FORECLOSURE INVOLVES A XXXX-STEP PROCESS. ONCE IT HAS BEEN DETERMINED AS A MATTER OF LAW THAT A DEFAULT ON THE OBLIGATION SECURED BY THE MORTGAGE HAS OCCURRED, A COURT MUST THEN CONSIDER THE EQUITIES TO DETERMINE IF FORECLOSURE IS THE APPROPRIATE REMEDY. XXXX XXXX XXXX V. XXXX XXXX XXXX, XXXX ( XXXX DIST. ) ; XXXX XXXX XXXX XXXX XXXX V. XXXX , XXXX, XXXX ( XXXX DIST. ) ; XXXX XXXX XXXX ( XXXX DIST. XXXX ), XXXX XXXX XXXX, XXXX, MOTION TO CERTIFY RECORD OVERRULED, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( XXXX ). A TRIAL COURT IS NOT PERMITTED TO ENGAGE IN SUCH A WEIGHING OF EVIDENCE IN DECIDING A MOTION FOR SUMMARY JUDGMENT. NOTICE ISSUEDI did nothing wrong so why is nobody making Bank of America accountable for there felonies? I will never give up. We had pre-trial which the banks rep lied on the stand stating I was late making my payments. This has been filed previously and in the last response from the bank they stated I was late with payments. I was not aware this would keep going on with the bank having different false excuses of there error. In trial my attorney asked me while I was on the stand if I was aware that the repayment plan had an extra {$9000.00} dollars hidden fee, of course I DID NOT. This has been going on for nearly 8 years. This has severely traumatized me. So it is true the justice system allows a crime if you have wealth. Bank of America has also sold my mortgage XXXX XXXX to XXXX XXXX XXXX , XXXX XXXX, XXXX. This is another ploy to not be accountable of criminal actions by Bank Of America!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts 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 XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXXXXXX XXXX XXXX  acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

As a federally protected consumer I am requesting the CFPB XXXX this dispute regarding the credit reporting agencies XXXX, Equifax, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Debt collection

I advised the creditor that they are only authorized to contact me using my own phone number. 
They called someone who is unrelated to me and who has never been used as any kind of reference. 
When asked to not call any other than my own, I was told they can not remove any numbers that they have on file even though I did not provide any other numbers. 

They are calling from XXXX.