23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HI, I have several problems with this company that need to be resolved. I contacted this company XX/XX/XXXX by phone to discuss an annual disclosure account letter that i received dated XXXX stating that there was an escrow shortage due on our account for {$130.00}. it mentioned that our payment would increase to {$1600.00} if it wasn't paid and it would decrease to {$1600.00} if the shortage was paid. Then we received our annual tax statement around XX/XX/XXXX showing that we have an escrow tax refund {$57.00}. We would like to know what happened to this refund as we never received it. And how do we have a shortage on our account and then we received our annual tax statement showing we have a refund. 

Second problem I contacted the company by phone XX/XX/XXXX also to discuss the late charges balance that is sitting on our account. Every time I go to setup up or monthly payment it shows an amount of {$230.00}. I had the rep review our account and i advised the rep the only time that I was aware that our payment was late was back in XXXX when we try to have our payment deferred due to us experiencing a financial hardship due to XXXX having XXXX in XXXX which caused us to get behind in our bills. The company wasnt able to offer us any programs and said we didnt qualify for any. Luckily we were able to borrow the money from our parents and catch up our mortgage. I called the rep over the phone back in XXXX before i made our payment and was advised that they would waive the late charge in return for me making the mortgage payment which i did. The rep that i talked to in XXXX said we were also late in XXXX which i wasnt aware and I kindly asked the rep to waive the late charge which they did. We had a total of {$110.00} of late charges waived on our account. I sent an email to loancsare for someone to review our account. However the document that we received does not show {$230.00} in late charges. There is a balance of {$170.00} on our account that loan care can not explain where it came from. We would like this removed. I have attached all the documents that we received from loancare. We would like this resolve asap as everytime we directly try to reach out to loancare the issue doesnt get resolved. Which is the reason we are filing a complaint with the consumer protection bureau.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019

AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and fraudulent accounts and inquiries have appeared on my credit report without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX, this was a credit card debt from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly I have also asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX XXXX, Auto loan from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX, XXXX ( 4 yrs, 10 mos ) {$170.00} 08 XXXX XXXX XX/XX/XXXX ( 11 mos ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, Equifax and XXXX, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMER FST FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a complaint against Experian concerning the removal of a fraud alert from my credit report. Despite following the appropriate procedures, I have been unable to have this alert removed. Below are the details of my situation : Background : Date Fraud Alert Placed : XX/XX/year> Statement on Report : " ID FRAUD VICTIM ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with Experian rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. XXXX XXXX # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called Experian and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with Experian. 

Experian did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. Experian did not explain why my score dropped 26 points after my disputing items that have been on my credit already.
Product: Debt collection

I was contacted by an Investigator XXXX of the XXXX working with the XXXX County Sheriff 's Dept trying to find me to deliver a court summons for fraud and they left a phone number for the company that was trying to reach me, not to reach the investigator. I contacted the company XXXX XXXX XXXX XXXX ) and they said I have a pay day loan outstanding that went fraudulent back in 2013. I had an ex boyfriend who was using my information to get pay day loans before so I figured this was just another one. I 'm trying to fix my credit so I just pay them when they come up now. But they wanted my bank/credit card information. I said I 'd rather get a pre-paid card and give them that information for payments. I called back and gave her the prepaid card information and she sent me an email with the break down of the payment arrangements I 'd made. It was then that I realized a couple of things. It is illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State. Also, she sent me a generic word document as the payment arrangement document. Also, the email address she sent the payment arrangement from is a gmail account. Most companies do n't use gmail accounts. Also, I looked up the company name and it has been reported by other people online for being a scam/fraudulent. I have her email and I have payments set up to be made but no payments were ever actually made to the company.
Product: Debt collection

They agreed to accept XXXX on a XXXX debt to settle, I paid it and now they say I did not. This was over 7 years ago and I do not have records to prove myself. They call five times everyday, they will not send me any paper work. My credit is ruined because of this XXXX little illegitimate debt that was already paid. They have wrecked my life ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has yet to provide any proof of any claims valid or accurate as claim by LexisNexis. My next issue is they claim there a reporting agency in which factor. I have yet to see any proof of gather information as stated by LexisNexis. Its all words with no documents to back up as there claims. CFPB # XXXX I did not agree or sign or give LexisNexis permission to run or check my credit for nothing or any other claim by them. I need proof of my signature as stated by XX/XX/2018 claim not some XXXX reply that has no documents to prove as stated. I don't want to hear a bunch of lies and XXXX  by LexisNexis or some run on line show proof or I'm in the process of filing a law suit on LexisNexis.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they're there. I check my report regularly, but this time I noticed discrepancies that weren't there before. Even after refreshing my browser to rule out any glitch, the inquiries remained. I'm extremely frustrated and need the documents I've submitted reviewed carefully to ensure this issue is resolved immediately, so I no longer have to worry about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I no longer owe on this debt. They have no contract and can not in any way verify this debt is mines. This collection is hurting my scores and creating a hardship for me. I would just like them to delete it off of my reports!
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$990.00}
Product: Credit reporting or other personal consumer reports

Hello, I have sent over numerous disputes and notified the company that I am not the owner nor am I responsible for the time share. My ex fiance has passed away but when she signed for the time share she stole my identity to do so. She cheated with a man and they stole my identity to acquire the time share. I was no where involved. I have filed for a FTC report and a police report to prove that I am a victim of Identity theft. I need my name taken off of this time share and this item removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I Disputed All accounts ... XXXX XXXX XXXX XXXX On which they RECIEVED XXXX/XXXX/XXXX and they did not list account # XXXX and XXXX in dispute! XXXX see XXXX XXXX ] They responded with an itemized statement and MAINTENANCE ORDER WITH ONLY ONE XXXX # XXXX listed when they clearly have four listed on my credit file The XXXX # XXXX is also inconsistent with their account number found on my credit report. 
IT list an original creditor with no contact details, and two exact ACCOUNT numbers with different amounts. These amounts are also inconsistent with the amounts found on my credit report under their tradeline. 
On there maintenance order that XXXX PROVIDED IT CLEARLY SHOWS NO BALANCE DUE AS OF XXXX - XXXX, SO I 'M CONFUSE AS TO WHY XXXX IS PRACTICING EXTORTION, FORCING ME TO PAY DEBTS that are already paid, with no CONTRACTUAL agreement bearing my signature. In the maintenance order Credits are being applied to the orginal alleged debts by creditor until XXXX balance and XXXX is also making payments themselves to the alleged debts found on my creditreport. 
They have made payments on two of their accounts # XXXX, XXXX and paid off the other two accounts # XXXX, XXXX for unknown reasons. 
They also are reporting multiple debts with the same open date, same delinquency date, and same REMOVAL date They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have i ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open,
Product: Credit reporting or other personal consumer reports

Inquiries have been submitted to my report that were not authorized. I have been attempting to contact each company and credit reporting agency and have not been successful. Inquires reporting are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc vilations In its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

A new fraudulent account has been reported. I am distressed over how easy things are reported with very little validation.. the account isnt mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ive never had XXXX. This is fraudulent and a violation of -15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report -15 usc 1681c-1 If you cant produce proof then Without consent its identity theft -15 usc 1681c-2 Block items reported as identity theft Also 15 U.S. Code 1681e ( b ) reads " 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. '' Equifax is willful aiding identity theft
Product: Credit reporting

I learned that I have been the victim of credit fraud this morning, XX/XX/2017. I have contacted my financial institution and the local police department. I then contacted the credit bureaus to report the fraud and get a security freeze. XXXX and XXXX went will. 

But I have been trying to find a way to get the security alert on Trans Union. The information I found leads me to their website at https : //freeze.transunion.com. As I go through the steps, I see there is no charge for security freeze to victim, but this website is trying to charge a {$10.00}. There is not options or links to get the freeze service for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX SQ XXXX SC XXXX
Product: Debt collection

I have recently discovered that other credit bureaus have already removed this account from their records as they did not provide enough information for me to verify this debt. I was the victim in this situation, and I am perplexed as to why your bureau is not complying with the law, especially when other bureaus have followed suit by addressing and correcting these inaccuracies. Given the lack of information provided to verify this debt, I request that you cease reporting this account immediately. Without proper validation and information, continuing to report this account is not only inaccurate but also incomplete and unverifiable. I want to emphasize that I was the victim of this error, and I am very frustrated by the apparent disregard for compliance with the law exhibited by your bureau. Other bureaus have successfully rectified similar issues, and I expect your bureau to do the same. XXXX XXXX Date opened : XX/XX/2019 XXXX : {$490000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX   dollars.