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

On XXXX XXXX, 2017, I was referred to Freedom Mortgage company in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to XXXX ( freedom mortgage company used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, SOUTHWEST CREDIT XXXX add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

On XX/XX/2021 I closed on a new home with XXXX XXXX XXXX XXXX XXXX as my lender. The mortgage was subsequently sold to Dovenmuehle Mortgage. The closing disclosure dated XX/XX/2021 clearly states that I elected to waive escrow for my homeowner 's insurance and property taxes, and that only my flood insurance would be escrowed. XXXX XXXX XXXX XXXX XXXX told me that federal law required them to escrow my flood insurance premium, although I am not sure that this is true as in subsequent conversations their employees have made contradictory statements. In any case, the annual flood insurance premium is only {$490.00}. On page 4 of my closing disclosure it is clearly stated that a {$41.00} monthly escrow payment is all that will be charged to cover this. 

For the first few months the monthly charge was correct and all my payments have been made on time. But today I received a notice that my upcoming automatic payment on XX/XX/XXXX will include {$270.00} in escrow charges. I also received a separate piece of mail from them indicating that my escrow account was at insufficient balance to cover my homeowners ' insurance. I already paid my insurance company the full first year homeowner 's premium upfront at closing, and again the closing document clearly states that only flood insurance shall be escrowed as future homeowners and property tax payments will be made by me directly. To me this is a blatant breach of our agreement and an attempt to overcharge me. 

I also find it interesting that when I contacted XXXX and asked how they possibly could have mistakenly tagged my {$41.00} monthly payments as homeowners ' escrow rather than flood since flood insurance is required to be escrowed by federal law, the representative indicated that this is not true since my home was not in a flood zone at the time of closing. This directly contradicts what the mortgage officer who closed my loan told me. While I am alright with escrowing flood insurance, I would have preferred not to and only did so because XXXX told me it was a legal requirement.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am requesting to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the listed items below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I never use this company Cascade Capital Funding LLC before. I have no reason to use this company. I don't know how they got my name. But never use them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX 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 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

I tried to apply for credit and was denied based off of reports from XXXX, experian, and XXXX reporting negative information on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX XXXX XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the XXXX. 





XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX has my social security number attached to someone else 's name and I am also unable to get into my account. I have have money received from school Grant 's starting from XXXX  to today. I also have tax information filed that I'm unaware of.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 seven years.

15 USC 1681 s-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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX  Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put me at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Checking or savings account

I received an email at my place of employment. The email was sent to my work email account. The email was contained information regarding a welcome packet for an account I did not open or apply for. I reached out to the company via phone and was unable to reach anyone for my first several attempts. I was able to finally get someone in customer service to tell them I did not open the account and to inform them that I wanted the account closed immediately. The person I spoke with informed me that he would have to transfer me to the fraud department. I requested to have a number to call or contact should we get disconnected, and was told I would just need to call the same number back and that he would transfer me directly to the fraud department. 

I was put on hold for ten minutes. When someone named XXXX answered the call, he asked me for identifying information. He told me that the matter would be referred to the fraud department. I asked if I could speak to someone in the fraud department and was told that they don't have a direct line that he could transfer me to. I also was told that they will investigate the matter and get back to me, but he was unable to tell me how long the process would take or when I would receive a response regarding the account. I requested several times to have the account closed immediately, and he said the fraud department handles it. He kept trying to get me to get off the phone without addressing my concerns. 

When I asked for his name he provided his first name only. He would not assure me the account would be immediately closed. I expressed concerned, in light of this fraudulent account, it could ruin my credit. He informed me that I wouldn't be responsible for any charges or debt that resulted from the account once Chime Bank had finished the investigation. However, he would not place a block on the account and could not give me a timeframe of when the investigation would be completed. I was told someone would reach out to me via email. 

I have attached emails and the only information I have received regarding the account. He would not tell me what type of accounts had been opened, whether there were any charges were on the account, and why the account was not immediately block. His only response was that someone would reach out to me when the investigation was completed.
Product: Consumer Loan

When i was able to work again i paid it off and was told they would take off my credit report and was not
Product: Credit card or prepaid card

In response to a TV ad I logged into a website on XX/XX/2019, and ordered a free sample of wrinkle cream. The stated cost was {$6.00} for shipping and handling. I was sent a package containing moisturizing cream and eye serum. I did not request eye serum. No invoice or price was included in the package. Without prior notification, on XX/XX/2019, a charge was made to my credit card of {$88.00} for the cream and {$89.00} for eye serum. The merchant did not communicate with me in any way, but sent another package which was refused at the post office. I notified my credit card company of the unauthorized charge, and they obtained a payment cancellation on XX/XX/2019. Another charge was submitted on XX/XX/2019 from the same merchant. Payment to the merchant was withheld at that time. The " free '' sample was returned, post paid. 

However, in XXXX and XXXX, the credit card company determined, based on documents provided by the merchant, in favor of the merchant in the amount of {$350.00}, even though I submitted my case and cited violation of 16 CFR part 251 and 16 CFR part 245.1 ( 2 )
Product: Debt collection

Date of service for my husband ( I am the insured ) was XX/XX/XXXX. Debt was paid XX/XX/XXXX after our bank accounts were 100 % frozen ( in violation of New York Exempt Income Protection Act ). Satisfaction of judgment was issued from the debt collector 's office. Shortly thereafter we began to receive requests for further payment under same account number and also requests for different dollar amounts under a different account number. All were requests for same date of service that was already satisfied, along with threats of income execution. Voice mails that were left were never returned however one time we did call and speak to a XXXX XXXX who said he would send documentation. We responded in writing to each request being that supporting documentation did not indicate a second unpaid charge and in some cases documentation from hospital stated XXXX balance due from patient from that date of service. Our last communication to them in XX/XX/XXXX stated that we were disputing the debt and in XX/XX/XXXX we received the same document that they had sent multiple times along with a payment authorization we signed upon admittance to the hospital- still not indicative of a second charge from this date of service.
Product: Checking or savings account

This incident happened back in XXXX of 2022, I had just opened my Citibank bank account and I mobile deposited XXXX checks from my employer. Keep in mind these checks have my home address and my name. The first check was of {$300.00} and they cleared it a couple days after. A week or XXXX after, I deposited my second check ( from the same employer ) of $ XXXX {$1200.00}. They didn't give me anything available and later that day my account was frozen due to supposedly fraud. I tried calling customer service multiple times telling them the situation and asking what's going on and they would click on me or sometimes they wouldn't even answer. This caused me financial hardship. I was late on my rent and on my credit cards and even my car payment, which all caused my credit to drop XXXX points. I also received a letter from them on XX/XX/2022, stating that they were going to send me my money in a check in XXXX days from that date, til this day I still have not received anything.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year>XXXX  balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says 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 written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : XXXX XXXX XXXX collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/year> balance reported : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced my student loans, thought Department of Education- Nelnet shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Product: Mortgage

With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.
Product: Mortgage

I spoke to my lender about my hardship, & they asked me to submit necessary documents for them to review so that they can give me options that will help me get back on track with my mortgage payments. I submitted the documents they requested, & they confirmed that they received them, & they are just about to start the review. But when I checked back on them for updates, I was advised that the documents are now missing. Now, I have wasted time waiting on them, only to find out that they have lost the documents that I have sent them.
Product: Credit reporting

XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking XXXX report I noticed there is inaccurate information reporting regarding a late payment
Product: Consumer Loan

I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.