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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a Personal Loan account # ( XXXX ) that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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: Vehicle loan or lease

In XX/XX/year>XXXX my active-duty husband was sent to California for a 6- to 7-month training course. At the time, I was unemployed, and all of our money went into relocating from Oregon to California. I contacted Western Funding in XX/XX/year> to request a payment extension to avoid losing my car, which is essential for my daily life. Instead of extending the payment, the representative said they would change my payment due date. I did not request this specific change, but they proceeded with it anyway. 

A few months later, I called again to request that my due date be moved to the 15th of the month since my husband, being in the military, is paid on the 1st and the 15th. Our rent is covered by the 1st paycheck, and bills are handled with the 15th paycheck. However, I was informed that my account had already reached the limit of two due date changes, even though I had only requested one changethe other was done without my consent. 

For the past year, I have repeatedly asked Western Funding to adjust my due date to the 15th to avoid late fees, but they have refused. As a result, Ive accrued {$58.00} in late fees despite consistently paying my car payment between the 11th and 15th, depending on when my paycheck clears. I am a reliable customer who makes payments every month, yet their refusal to adjust my due date feels unethical, as it seems they prefer to collect additional money through late fees. 

Additionally, there is an error in how they are reporting to the credit bureaus. My credit report reflects an extra {$16.00} added to my balance, even though I am making my payments each month. 

Ive also attempted to speak with a supervisor multiple times, but I am consistently told that no one is available. This has made resolving the issue even more difficult. I believe these practices are unfair and would appreciate having my concerns addressed.
Product: Credit reporting or other personal consumer reports

My credit reports across all three bureaus are different ( experian, XXXX, XXXX ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found 2 late payments on the dates below : 30 days late as of XX/XX/2020 and 30 days late as of XX/XX/2020, I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. I thought my payments were on autopay.
Product: Debt collection

This company keeps emailing me after I have called and advise to stop.. 
They are violating my privacy as also this the email is a shared email Emails go to XXXX I
Product: Mortgage

My original home loan with XXXX XXXX XXXX  was refinanced with Freedom Mortgage in XXXX ( the two companies merged in XXXX of XXXX ) within 90 days after closing I received an Escrow surplus check explaining that the escrow was over paid. I am a XXXX XXXX XXXX veteran and in Texas I applied for homestead so my natural assumption was this had to be the reason for the $ XXXX check. Then I get penalties and and interest on a shortfall on my taxes and the company will not tell me the exact amount of my taxes or apply my 80 % reduction. I have continued to pay my mortgage and did a forbearance because they have been delaying a response on the amount of taxes owed with in accurate bills of over 5 times the mortgage in taxes. I have continued to pay the principle and more till the amount can be sorted yet they do not apply the payments and have marked my credit with late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX CONCERNING XXXX XXXX XXXX AND XXXX XXXX. I DID NOT KNOW AT THE TIME WHO IT WAS BUT I BELIEVE THAT MY BROTHER ( WHO IS NOW IN XXXX FOR MURDERING MY XXXX  ) IS BEHIND THIS. THIS IS IDENTITY THEFT AND THEY HAVE YET TO REMOVE IT. I HAVE SUBMITTED A POLICE REPORT IN THE PAST ABOUT THIS AS WELL AS FRAUDULENT INQUIRES AND THEY STILL HAVE NOT REMOVED IT.
Product: Credit reporting or other personal consumer reports

All my inclosed inquiries are in error and they were not Authorized and I want helped them removed from my credit report from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX  credit report but not the Experian and XXXX  reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. XXXX  and Experian are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both XXXX  and Experian asked me to send in my request by mail ( XXXX  also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies seeing how careless they have been with consumer data before.
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I re-read the letter created on XX/XX/year> by your company customer service department XXXX Before that, I have checked whether I can open the XXXX XXXX  account of mine offered by your company ; however, it was disappeared. The first page stated your company had created a new replacement card ending XXXX without asking permission of mine. Your company suddenly closed my card ending in XXXX. As I have expressed the strong wish to close the credit card offered by your company due to the issues over the reward certificates, I simply do not want any card from your company, since I can not believe the treatment of your company. Even I told the truth and explained the situation, your company representative treated me as if I did something wrong. Therefore, I do not want to have any relationship with your company. So, it is fine the second page of the website account has been unusable and gone. The previous letter says the reason Rewards have been removed and not applied to your account is due to the account closed. Since I complained I could not use my rewards certificate before the closing of my card, I do not believe your reason of inability of usage of reward certificate account closed is right. I insist that I could not use before the closure of my account. Therefore, I refuse to reopen your company credit card due to the act of infamy to your company which should offer reliable credit card. 
Since I could not open the XXXX  account of your company, I expect you will send me the paper bill to pay the amount of about {$400.00}, which you stated before. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXXXXXXXXXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have two XXXX XXXX credit cards that are both open. One account is new with a {$3000.00} spending limit. That is being reported to Experian. The account I am writing you about is my XXXX XXXX account, which has a {$5500.00} spending limit. I have had this account for years. Experian used to report it and then it just fell off my Experian report early XXXX Back in XXXXXXXX XXXX XXXX I noticed that it was not reporting any longer and that is when I began to request that Experian add it back. First, Experian told me that I put the request in wrong and to request it differently. In which I did. Then I waited another month to be told by Experian that I had to request XXXX XXXX to submit proof to them of the account. So I called XXXX XXXX. They confirmed that they have never stopped reporting the card to Experian but that they would help me and write Experian a letter. They ended up trying to contact Experian twice. I have proof that I have attached to this complaint of the first letter XXXX XXXX mailed me. I have tried calling Experian multiple times and no one ever picks up the phone. The call says to go online but they have no option for missing accounts on their website. They made me go to a different web address to upload the proof. I have uploaded the XXXX XXXX letters and my monthly statements of the missing account and I never get a response from them. i have submitted everything to them three different times and never get a response and the account never gets added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$220.00} USDEPTED XXXX {$2000.00} XXXX  XXXX {$3200.00} XXXX   XXXX $ XXXX XXXX {$3200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

On XX/XX/year>, I received notification of accounts placed in collection from XXXX XXXX. Exhibits A Exhibit B. I quickly responded asking for a validation of the debt. Mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX email is XXXX Mobile Number is XXXX XXXX XXXX. XXXX. Between XX/XX/year> and XX/XX/year>, I sent weekly requests for validation of the accounts in dispute Exhibit A / B / F By email to XXXX XXXX XXXX, XXXX, XXXX Fax XXXX XXXX XXXX XXXX. The information I had asked for outlined in Exhibits A / B /F to Validate the debt was not provided. XXXX. On XX/XX/year>, the account was recalled to XXXX XXXX. so they could investigate the claim. XXXX XXXX / XXXX XXXX. On and about XX/XX/year>, I called the Offices of Marcadis Carey PA I used an out side line not my own, and informed XXXX that I was no longer residing in Florida after XX/XX/year> and provided my new address at XXXX XXXX XXXX XXXX XXXX WA XXXX my email is XXXX and the mobile number would remain the same XXXX XXXX XXXX. XXXX. On XX/XX/year> XXXX XXXX PA filed a Civil action Filing # XXXX knowingly using an address where I no longer reside. XXXX. Marcadis Carey PA used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge. 

Marcadis Carey , P.A . replied The phone recordings were reviewed for the months of XXXX and XXXX. No call was received from phone number XXXX. The call was not made from XXXX XXXX XXXX .Mis leading and false statment.
Product: Mortgage

On or aroun d  XXXX - XXXX -17 I  called  XXXX  ( home equity loan ) to see if my auto draft payment of  XXXX  could be moved from   XXXX - XXXX -17 to  XXXX - XXXX -17. I  was told my  Loan has  been sold to  Select Portfolio  Services. I was told I would not incur any fines or fees during the transition and that it would probably be abo ut 2 weeks  befor e SPS  would contact me and not to worry about the payment. I looked them up immediately and decided I was going to help all the people they are currently ruining their lives.     I received the first letter from them on or around   XX/XX/XXXX . The letter is dated  XXXX - XXXX -17. The  letter asked for my and my wife 's SS number. I attached the letters. I called your office and spoke to  XXXX . I asked if I was obligated to send personnel information to them. She could not locate an answer but was very nice and aware of SPS and their fraudulent activity. I told her I would start a complaint but decided to wait until they tried it on me.     I recieved a " Hel lo Letter  " dated   XX/XX/XXXX  that o utlined my account. Yesterday I called SPS for the first time and spoke to  XXXX   XXXX . I wanted to know what the Unapplied fees were and why they were added to my mortgage payment. She somewhat explained that it was probably over payments from   XXXX   and I could use it towards my monthly payments or my late payments. I asked what late payment. She said I had a payment du e on  XXXX - XXXX -17 for  some  XXXX  dollars. I advised my first letter was dated   XXXX - XXXX -17 a nd no where on the welcome letter does it say I have a late payment. Right from the start they are playing a game to get my house. what should I do next
Product: Credit card

XX/XX/2023 To whom it may concern, I have been dealing with financial issues as of XX/XX/2023 due to medical reasons, and I fell behind on my bills. I tried contacting the company in question ( Discover ) about the deferment program that they were advertising on the company 's website, only to be told that no such program existed. The company ( Discover ) was not very understanding of my situation and presented three different payment options that for right now is not within my budget. I agreed to one form of payment yet knowing that I would have some issues paying it because of other obligations that I have to consider. I don't know what to do, and I really struggling to find help in my situation and Discover is not offering this to me.
Product: Mortgage

On XX/XX/XXXX I called XXXX XXXX  to inquire about the XXXX fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer freedom mortgage stated they could not locate the XXXX fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted XXXX regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the XXXX XXXX  Assistance Fund ( XXXX ) agency. XXXX XXXX was advised that XXXX received and forwarded said funds to the XXXX Department for processing. ( Per prior complaint response from XXXX made in XXXX. ) the fund was never transferred and XXXX confirms receipt to the XXXX department on XX/XX/XXXX per XXXX. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer freedom mortgage is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The XXXX fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for freedom mortgage to benefit more from my loan. 
I have been asking where is the fund, XXXX has no record of the fund being returned to them. XXXX is unable to tell me where is the fund. 
Freedom mortgage sent me modification paperwork to sign 14 days from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud, I have reported this to all three reporting agencies time after time, but they still insist on putting these false reports on my record,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS RELEASEDONXXXX  XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX UNDER XXXX UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX and all during my XXXX XXXX XXXX XXXX XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX XXXX XXXX XXXX without having to go through my XXXX XXXX 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - CAPITAL ONE account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for the amount of {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX