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

I am submitting to address my ongoing concern, referencing my complaint dated XX/XX/XXXX. As previously communicated, it has come to my attention that XXXX and Equifax have not taken the necessary steps to expunge the items I requested to be removed. I expect the remaining fraudulent entries, outlined in both this and the preceding complaint, to be expeditiously deleted within 15 days from today. To facilitate this process, I will be providing my FTC report with reference # XXXX for your review. It is my anticipation that you will act to remove these items from my reports before the stipulated timeframe concludes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ***********EQUIFAX : XXXX XX/XX/XXXX
Product: Credit reporting

I sent Trans union a dispute letter via the United States Postal Service certified mail that they received on XXXX XXXX, 2015. requesting they investigate the attached listed items. I did not receive the results of this dispute until 2 months later ( that is dated for XXXX/XXXX/2015 which is 59 days after they received my dispute ) and was mailed out 1 month later on XXXX XXXX, 2015, which I received on XXXX XXXX, 2015 ( please see post mark on envelope ) which is 90 days pass the date they received my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open XXXX Bank account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX bank
Product: Vehicle loan or lease

A deer hit my wife 's car on XX/XX/year> and totaled it. My insurance company wired the money to Toyota Motor Credit on XX/XX/year> and it cleared their account on XX/XX/year>. I began calling Toyota on that day and every day since and was told they received notice from my insurance company on XX/XX/year> of the money wire but it takes XXXX to XXXX  days to be posted. On every call I was told that, until after the 10 days and now I am being told that their payment processing center is behind and there is nothing anybody is going to or can do about it. I have serious problems with this and have been harmed serious by this companies care less attitude of we will do it when we want to. First off, I am unable to purchase another vehicle due to this vehicle being on my credit and making my debt-to-income ratio higher than it is. This was my wife 's vehicle, so we are having to deal with having XXXX vehicle, extra fuel, time off from work, etc. of dealing with her not having transportation. The reason I am filing this complaint is I have literally been told by this company that there is nothing anybody can do about it, and this disgusted me. I am a victim of the situation and this company 's careless attitude to customer service has put undue stress on my life, for no reason. I would also like to say that I will owe a small amount over what my insurance company paid and I have asked if I can go ahead and pay that amount and they have told me due to interest calculating there is no way for them to give me a figure of what the payoff is so I can't pay that amount either, until that insurance check is posted. Finally, I would like to say there is no reason that can explain why a company can take your money immediately but can't give you credit on your account and reflect that to the credit bureaus in a more reasonable time than what I have been subjected to. I also just created an account online to get my account number for this complaint and found that this company is showing me past due 2 months payments all of which they have had before the payment was even due. Please help with making this company understand that this is a very unreasonable and unfair practice and get something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had multiple hard inquiries put on my credit without my consent or authorization. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized credit inquiries. The FCRA gives consumers the right to accurate and up-to-date credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity  theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
Syncb ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the freeze temporarily removed from Equifax. However, the freeze has been on for several years and I do not have the pin that they said they gave me when I first activated it. Now they say I must mail them Identification in order to get my pin re-sent. I am trying to do some financing and they are telling me it will be 8-10 days afetr they get the mail before they will send out my pin. This is causing a problem with my financing. The other companies have on-line ways to verify my identity but equifax told me they can not ( or will not ) do it on-line. Can you help?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are at least five accounts on my credit report that are showing up to 18 late payments. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX . XXXX. XXXX XXXX XXXX. XXXX. Indigo Credit card. It all started during the beginning part of COVID-19. When my jobs started shutting down, I called all of these Credit card companies and told them that I was being affected by this virus health wise and financially. I don't know what has happened, but my credit report is showing that I have 18 late payments!! OMG! I also called and told them that I lost both of my parents last year. We weren't expecting my father to die, but we suffered his loss as well. I tried explaining this, but it didn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.
Product: Debt collection

Portfolio recovery said that they completed their investigation and have prove that this debt is mine, however, having a statement from the company in my name does not prove that i opened it, as i stated before, this was opened with in my name without my knowledge. This is my last request for this company to leave me alone, i will be speaking with a courts clerk going forward.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/year>. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX 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

In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit reporting agency and the results are as follow Experian- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX reopened the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

Experian is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX AR XXXX and Transunion and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus Transunion and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, Transunion, and XXXX for their negligence.
Product: Debt collection

I have reported that this debt was not mine several times. Ive also reported that I had my identity stolen.
Product: Credit card or prepaid card

Was struggling financially and USAA told me I had too be delinquent for months before they would help me. Then ask for military service refund for over charging me and they said they only go back 180days. 

It must be nice to break people financially before you can get help. From financial prospecting I had to close account and see greed as only thing understood by USAa.
Product: Mortgage

I applied for a Mortgage modification with Wells Fargo # XXXX and was approved. I made mortgage payments of XXXX each moth for over a year when I got approved sometime in XXXXXXXX XXXX They told me that once Obama left office the HAMP was no longer available and when Trump got into office and stopped taking my payments. Then they tried to foreclose again. 
When COVID came they assigned the mortgage over to XXXX XXXX servicing who then tried to foreclosure and would not approve me for a modification. XXXX loan # XXXX. 
My previous modification before they reneged on their modification was XXXX XXXX. XXXX started sending me notices for a mortgage of XXXX XXXX, but would not approve a modification or take payments. 
I make plenty of money and no one will approve me or take my money! All they want to do is foreclose on the property and take it since the housing prices in Florida went up. They want to sell it instead of letting me pay a mortgage and working something out. 
Something is not right!
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft Due to Data Breach Dear CFPB, I am writing to formally file a complaint regarding identity theft that I experienced as a result of a recent data breach. This incident has caused significant harm to my personal, financial, and emotional well-being. 

Details of the Incident : Name of Company/Organization Responsible for Breach : XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX Date of Data Breach : XXXX Type of Information Compromised : [ e.g., Social Security Number, financial account information, drivers license, etc. ] Description of Identity Theft : Since the breach, I have discovered that my personal information has been used without my consent. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following steps to address this issue : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Contacted the companies involved to dispute fraudulent accounts and charges. 
Placed fraud alerts and credit freezes with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

Impact : These fraudulent activities have negatively impacted my credit score and caused considerable distress. Additionally, I have incurred financial losses and spent significant time resolving these issues.

Request for Assistance : I request that the CFPB take the following actions : 1. Investigate this matter to ensure that the responsible organization is held accountable for the breach.

2. Assist in ensuring that the fraudulent activities are resolved, and my credit report is corrected. 
3. Advise me on any additional steps I should take to protect my identity and financial well-being. 

Enclosed are copies of the following documents to support my claim : Police report ( if filed ) FTC Identity Theft Report Thank you for your time and attention to this urgent matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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