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

My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX  BANK ( Account # XXXX ) XXXX XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX  end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Product: Credit card

In XXXX of XXXX  my AppleID was compromised and I lost control of the account. I had an apple credit card through Goldman Sacs attached to this ID. Fraudulent activity occurred- which was caught in a timely manner. Currently the account is still tied to my phone number and social security number. After several disputes and fighting fraudulent charges I gave up and paid off the remaining balance. Now that the account has no balance I am wishing to close the account entirely. When my account was compromised the perpetrators changed key information that locked me out forever. One such piece of information they changed was my birthdate. I do not know what birthdate the perpetrators input, and Apple says that without me giving them the birthdate they can not close my account. They did however accept my updated bank account information to link payment. I am told there is no way around this- and they will not allow me to submit any identification materials to prove who I am so I can close this account and have this out of my hair. I am told that this account will live out in limbo- and that I will have massive exposure should the perpetrators decide to start ringing up charges again. 

I need help to close this account and relieve me of this exposure. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated the these accounts where properly investigated and came back verified, however thats not true there are several inaccuracies on my credit report Ive sent certified mail disputes online more than once and they still state thats its correct where they arent In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report under 15 U.S.code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of reporting 100 % accurate information on my report Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it state date opened XX/XX/2018 and first date of delinquency XXXX XXXX I have never sign any papers with this account holders name the amount thats on my credit report is outrageous XXXX thats is true
Product: Bank account or service

1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims I do not have a credit file. I have had a credit file with Equifax until a few years ago. I checked with my creditors and they report to Equifax monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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 The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  my social and driver license was stolen as a result the individual used my personal information to obtain a property and rent a vehicle causing me to be arrested and charged for a crime I didnt do. I was unable to work and finally got the charges dismissed but the rental company was unable to provide specific information about the person who rented and how they were able to pass requirements to rent without verifying information. I noticed in XXXX they are some accounts in other states and I have never lived anywhere but XXXX nc. I need help with getting this creditors removed and getting my identity back. Earlier this year they used my name to obtain a temp job and I want to know how they have a valid identification card in my name
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

FLORIDA XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX : # XXXX XXXX  XXXX : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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: Debt collection

This information was shared illegally ( Third Party ) without my informed consent.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Mortgage

Ocwen Loan servicing will not disburse condo fees from escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Lexis Nexis posted Bankruptcy and Lien records on my credit report. On several disputes via CFPB, I've asked for source of information and all I have received is a response saying that the information is accurate, case was closed with no opportunity for me to respond. I in turn emailed the court, whom is the only place that could provide information, and they said that they do not provide information to credit bureaus. I would like for Lexis Nexis to provide source of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been fighting with Experian regarding a XXXX XXXX account for years. The XXXX account was paid off after years of fighting it as it was fraudulently opened in my name. Even though the account was closed and settled it is still reporting monthly as a negative account. Reporting should have ceased in XXXX but it has not. As a consumer I have the right accurate report and an an account that is reporting incorrect information should be deleted from my report. I have disputed this account numerous times through Experian and they refuse to remove it even after submitting proof over and over that it has never reported correctly. I want this XXXX XXXX account removed from my report immediately. I refuse to ope another dispute, wait another 30 days and still receive the same outcome.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes. Ive used Zelle numerous times and reported issues, my financial institution and Zelle failed to investigate my claims. I was informed that Zelle is not responsible for recovering lost funds and tracking lost funds is infeasible.
Product: Mortgage

Good Afternoon, It is about PHH Mortgage, I have more than one year and 6 months to try to do a modification. From that time to now always i call once a week to the company plus I have appointment with the case manager. All the time PHH mortgage ask me for send papers. I did and expend a lot of money sent papers via fax because when I sent for email always told me the wasn't clear. Each time the I call the company XXXX every person says something different. For example, last XXXX  XX/XX/XXXX, I called and the person told me the my papers are completed and is in review, Today XXXX XXXX, I called again and then told me the my application is canceled because my application is not ready. Please, I hope to check my problem, If i lost my house is not for me it is for PHH mortgage the I think they want to me to loose my house and is my only place the i have. 
Thank you, I hope you can do something about this case.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Dynamic Recovery Solutions in an attempt to collect a debt in the amount of {$5700.00}. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account before I even received the letter from Dynamic Recovery Solutions. This was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and Emailed on XX/XX/XXXX -- Still Within The 30 Days of XX/XX/XXXX ) of an item sold to Dynamic Recovery Solutions by the original creditor/collection agency. I have received a response that clearly violates my rights. 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 above mentioned accounts.
Product: Mortgage

On XX/XX/XXXX, I sent an email to my lender Mr Cooper Mortgages about relief for people affected by the coronavirus pandemic. No return email has even been sent. On XXXX XXXX I sent 4 seperate messages regarding the same topic through their message center on the website. Only automated massages saying " a customer service rep will contact you shortly '' was sent. No one has every contacted me. 

On about XX/XX/XXXX I called to discussed the same issue. Rather than wait on hold, I opted to recieve a call back. No call was ever sent. 

On XX/XX/XXXX I called and filed a comlaint via customer service. I also was transfered to their diaster relief line. Again after about 1 hr on hold I agreed to recieve a call back. No call was ever made. 

I am on hold right now and it's been XXXX so far. This time I will not ask for a call back.
Product: Debt collection

Bank of America sent me a single piece of paper in the mail stating I owed them money. They did not disclose that it was an attempt to collect a debt. I then asked for verification and validation and did not receive anything from Bank of America.
Product: Checking or savings account

case no. XXXX NOTICE : conditional acceptance of offer to contract no. # XXXX XXXX re : attached Affidavit of truth ~ Writ in the nature of diplomatic affairs i, known as XXXX XXXX indigenous to the lands of the Americas, previous known as XXXX, a natural living being, Tax exempt, am with the authority and hereby establish this jurisdiction as follows : i, conditionally and timely accept all presentment ( XXXX ) as follows : whereas Entity ( XXXX ) / DBA Wells Fargo has failed to provide proof of claim ; evidences of a Debt ( Taxes ) owed by XXXX the paramount interest holder for the Public Trust : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX 

whereas Entities Doing Business as ( DBA ) /Wells Fargo Inc. have fail to provide proof of claim. 
whereas deformation of character is a criminal offence, i.e. 'perjury'.all entities/DBA Public Officials are required by federal, state, and municipal law to provide the name, address and telephone number of their public hazard and malpractice bonding company and the policy number of the bond and, if required, a copy of the policy describing the bonding coverage of their specific job performance. Failure to provide this information constitutes corporate and limited liability insurance fraud ( 15 USC ) and is prim a facie evidence and grounds to impose a lien upon the entity ( s ) /DBA Public Official personally to secure their public oath and service of office. ( 18 USC 912 ) perjury : falsely identifying the living XXXX to be aU.S. Federal Person, as XXXX XXXX XXXX other variation thereofsuch as XXXX XXXX their presentment received on XX/XX/XXXX by way of U.S. Mail and their response received on XX/XX/XXXX by way ofonline Public Service; entity ( s ) /DBAConsumer Financial Protection Bureau XXXX anyone having taken an oath willfully subscribes as true any material matter which he does not believe to be true ; is guilty of perjury and shall be fined underUS code1746, title 28.

see attached affidavit of truth for more details posted in the public at : www.spritualbreeze.org/public notices/WFXXXX XXXX