23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Third fifth bank took over my mortgage. After a few months they decided I needed more insurance. I sent them my insurance paperwork and they proceeded to charge my {$1000.00} more a month for their insurance. I have never received an insurance policy from them. Several emails faxes scans and regular mail to this bank and no response. This has been going on for over 8 months. I personally went to the bank and it was acknowledged that they have been receiving the paperwork. Still no insurance policy or refund today I received a letter stating that the insurance policy was expiring and they are renewing it without my permission again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 crimes which antedates 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  XXXX  XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX  XXXX  XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/year>, Fay Servicing received a bill from my homeowners insurance company for policy renewal.

Fay servicing has not paid this bill as o
f XX/XX/year>. 

Homeowners insurance will be cancelled on XX/XX/year> if it is not paid. I will have to pay this out of my own pocket to avoid a lapse in coverage. 

This is not the first lapse in coverage due to Fay Servicing 's failure to pay escrow bills timely. 

Fay servicing continues to refuse to remove account from escrow. Now I am forced to pay taxes and homeowners insurance twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to
anyone received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 my vehicle financed by Bridgecrest Auto suddenly stopped in the midst of a Kentucky  state highway. The vehicle had to be towed to a facility. Since the vehicle was initially purchased I never missed any of my monthly payments. When it was determined the engine failed on my vehicle, the extended GAP insurance i had been paying for refused to cover replacement parts needed to get the vehicle functioning again. I informed my finance company, Bridgecrest Auto I can not continue to make payments towards a vehicle I was unable to drive. Therefore, I voluntarily surrendered the vehicle back to Bridgecrest with the understanding the account would be listed on my credit report but as a voluntary surrender. When Bridgecrest was contacted by the Illinois Attorney General, the responded stating I indeed surrendered by vehicle and that it was not a repossession. However, they have reported the loan as an involuntary repossession and are refusing to change this. I understand the account should be listed on my credit report but it should be listed accurately. Reporting this default loan as an involuntary repossession is not an accurate statement and should be changed to reflect its true status as a voluntary surrender
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX XX/XX/XXXX - XXXX 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, credit repair services, or other personal consumer reports

Attempt to dispute an invalid Hard Inquiry on my Experian Credit Report. Called 8 different phone numbers before finally talking to a person. On their website unable to dispute hard inquiries said to call but calling provided no solution. Representative would not put the dispute in the system and told me I had to call the Bank who made the hard inquiry but i had already done that and they said they had no record of the inquiry. Experian would not provide more information about the Hard Inquiry and provided no recourse for me to file a dispute in violation of the Fair Credit Reporting Act. 
This is the copy from the Hard inquiry : " XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online ''
Product: Credit card or prepaid card

On XX/XX/XXXX I reported a fraud charge to capital one. On XX/XX/XXXX, the funds that were disputed were credited back, and available to use. At XXXX XXXX  on XX/XX/XXXX the disputed amount was put on a shadow hold. They are no longer available to use, but the hold does not show on my activity or statement. I was told that I can not overpay to cover the disputed amount and it was suggested to me by a fraud protection manager named XXXX that I apply for a credit increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Ohio XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau agencies Equifax XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my Equifax, XXXX and XXXX credit reports. 
Equifax credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. 

Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. 

XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX bureau to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX XXXX XXXX of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been XXXX and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not XXXX XXXX thing correct on my credit file. Tons of Tons of Fake inquires that I never and I MEAN NEVER ever applied for, DEMANDING that all of these tons of tons inquiries be removed IMMEADIALY from my credit reports ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect is using abusive, coercive and oppressive acts to block the right of having a fair and accurate credit file. Procollect has never provided Gramm Leach Bliley Act disclosures in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ) and 15 USC 6803. Therefore, Procollect has obtained, trafficked and used my nonpublic personal information used defame, intimidate and to coerce payment on a debt that I do not owe, nor has Procollect ever provided adequate validation of the alleged debt. Procollect does not have authorization or authority to traffic my nonpublic personal information, especially for its own financial gain. Please see attached correspondence and FTC report.
Product: Debt collection

Good morning, About 2 years ago, I signed up for a refinancing loan with XXXX XXXX XXXX, which has a class action lawsuit that I did not receive my relief from. The interest rate was so high that my monthly payments were over {$200.00} a month. As a result, my account went to collections and I was contacted by a law firm called Tenaglia Hunt, P.A. Now, the primary concern that I have is the terrible communication that the firm has displayed, and that when I've requested a lower payment plan, it's impossible to reach them. 

In addition, I've told them numorous times that I can not afford to pay {$100.00} a month due to my income. I've mentioned that the XXXX I can afford is $ XXXX monthly, and I keep getting sent to voicemail and have yet to hear back from this firm. I'd like to mention that they've threatened to sue me on a number of occasions and said they'd garnish my wages through the courts. When I requested the contact information to get in touch with the court they've mentioned, they gave me the wrong information. I should note that this all happened about the same time that the class action lawsuit was filed against them for deceptive sales practices. I will provide the link for further reference if necessary. 

In conclusion, I really need some assistance on this matter and my contact information will be at the foot of this email. I hope to resolve this ASAP. Thank you and I look forward to hearing back. 

XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001. Additionally, such misstatements are also punishable as perjury under 18 U.S.C. 1621.

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX
Product: Credit reporting or other personal consumer reports

XXXX FTC XXXX NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the XXXX Safeguards Rule.

Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ct XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over 50 for my car that was paid off XX/XX/2022 2022
Product: Debt collection

XXXX XXXX XXXX reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 HSBC Nevada N.A. ". I have only had three credit and merchant accounts in my life and HSBC was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted XXXX where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
HSBC Nevada is apparently no longer in existence as I did try to reach out to them to correct this error.
Product: Credit reporting or other personal consumer reports

I have several on authorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent validation letters in to the company asking for proof of validation including my signed signature and never got the proof I asked for just that was updated.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting for DEPT OF EDXXXX XXXX  previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

EXPERIAN 9 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF ED/XXXX Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XX/XX/2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked them to update my name change on my profile. I've been trying to send them my court ordered name change documents, but their system to upload documents is not working, and they only way is to mail it. I have mailed it and they are saying they haven't received it. They will not address their website situation for me to upload my documents which are in kilobytes and not megabytes. I feel they are stone walling me.