23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

my husband moved from XXXX to XXXX over 12 years ago and while living there in a rented condo on XXXX XXXX he ordered cable services from XXXX XXXX and used my social security #. I have contacted them several times they added his name to the account but would not change the social security number to his. He left XXXX and moved back to XXXX however he left a {$530.00} balance which they recently put on my credit report dropping my credit score by 58 points. I am retired and only get {$700.00} a month and I can not pay his bill. He works and has income but clearly doesn't care about my credit history as we are currently going thru a divorce.
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate information on my credit report. The debt, the amount and ownership and payment history is inaccurate, account was closed out however Im still being reported as non payment / late many months after the closing. I have requested that the debt and the amount be removed immediately for inaccuracy as well as consumer rights violation according to USC 1681 ( c ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX corelogic XXXX false statements made on behalf of corelogic and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$590.00}
Product: Mortgage

Please help me dealing with Loan Care. They have decided that the home that I own is not mine and will not allow me to make the payments on the loan modification they gave me. Instead, they have a sale date scheduled on my home on XX/XX/2019 an wont do anything to stop the sale. The home was granted to me by the courts through my very messy divorce. The loan is under my husbands name only, but I have legal rights through a quit claim deed and am the only person on title. Loan Care took me through the entire loan modification process and when I made my first trial payment, they sent it back and have forced my home into foreclosure. They say that I have no legal rights to the home, but they are entirely wrong. Every time I contact them I have to speak to another person who doesnt seem to understand what they are doing. Since I am the only one on title, they must give me the home since there is no one else who has rights to the property. I am shocked that I will be kicked out of my home because Loan Care can not get this straight. When my husband and I went through the divorce, we became delinquent on our home mortgage since he fought me all the way and did everything in his power to ensure that I would struggle as much as possible. During our marriage he did the worst things possible to me and I am still suffering physically from his abuse. To add insult to injury, he wants me and my boys to be homeless and has told me so. Loan care is not lifting a finger to help me and I am hoping that you will step in and get Loan Care to save my home from foreclosure and allow me to start making my mortgage payments. I am now strong financially and can afford a reasonable mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only owned XXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX  card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX  times and must had called them XXXX  times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX  months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in wenger v.trans union corp, no 95-6445 ( C.D.Cal.nov. 14, 1995 ), you may be liable for willfulw non-compliance.
Product: Debt collection

Midland funding was collected a debt of {$2200.00} on account number XXXX. They collected this full amount through wage assignment receiving with the final installment on XX/XX/2021. They have not corrected the outstanding amount and it is negatively impacting my credit scores. I have disputed this amount but the responded that the full balance is still owed.
Product: Checking or savings account

On XX/XX/XXXX approximately around XXXX an ATM withdrawal was made on my Cash App account that I did not authorize. The amount dispensed was XXXX, they also charged my card for the ATM fee of {$3.00} for using an XXXX XXXX XXXXXXXX ATM. I disputed the transaction immediately, about a day I received an email saying my claim was denied & they will be taking no further action, I asked for an explanation on why it was denied only for them just to send a pdf of the transaction, no other information provided
Product: Credit card or prepaid card

I moved in XXXX from XXXX XXXX to XXXX. I called the credit card company ( Amex ) and reported my address change several times and requested a statement be mailed to me. Every month I call and give them the address and now seven months later I still have not received statements. I have requested they send all past statements to me. Now I let them know that I will no longer make any payments until I receive a statement. What they are doing is illegal they can not expect payment and not tell me what Im paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I received a statement from Community-XXXX  XXXX 's XXXX with a charge of XXXX as late payment : 1. I did not open this account, I did not purchase anything with this account. I did not receive a statement with any purchases. 2.This is the first mailing I received from this company. 3. The late fee was dated XX/XX/2023. 

XX/XX/2023 I received two credit report activity alert from XXXX Identity Theft Protection, one dated XX/XX/2023 and XX/XX/2023. 

XX/XX/2023 I called XXXX Identity Theft Protection :1. I filed a fraud report. 2. Froze my credit reporting accounts. 3. I'm awaiting a call from a representative to solve this between me and the credit card company. I do not want to contact the company on my own since its defiantly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a Business loan at XXXX XXXX, XXXX XXXX claims that Equifax provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at Equifax to provide an explanation and XXXX XXXX will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. XXXX XXXX should also provide supporting documents for their claim.
Product: Credit reporting or other personal consumer reports

Submitted multiple forms of information including a Certified Letter containing 2 Forms of Identification with a Dispute Letter requesting the removal of the XXXX account. They continue to mark the said item as Updated, which is furnishing incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
Product: Credit card or prepaid card

XXXX, 2021 statement lists total charges, credits, and returns as {$1200.00}, but auto pay took {$1200.00} out of my checking account. Now my XXXX statement says the total charges, etc. are {$1100.00}, but they are planning to take {$1100.00} for payment in full. Both statements say no interest was charged. Every charge that appears on each statement is reconciled by receipts that I have retained. I have no receipts that are not accounted for. I want to know why the payments taken from my checking account are greater than my total charges, credits and returns. Multiple calls to AppleCard have had ludicrous results. The first agent could not find my XXXX statement. The second agent produced figures that were completely incomprehensible. When I asked to speak to a supervisor I was referred only to another agent who could not explain the discrepancies. Finally I was told XX/XX/XXXX, that the problem would be sent to account management and I would receive a call from them within a week. Call did come XX/XX/XXXX, and left a message from " XXXX '' to call back leaving the same number I had already called multiple times. I did call back, was put on hold, and then disconnected. Calling again resulted in two " beeps '' and then a long silence with no connection established. Of course I have cancelled the card, but I am owed a refund on the mysterious overpayments taken out of my checking account on auto pay.
Product: Credit reporting or other personal consumer reports

The payment for my mortgage was taken originally from my bank account. It showed my account was in good standing. Several days later my bank declined the transaction due to insufficient funds. 
Once that happened, my mortgage company turned off the auto-bill pay that was set up through my mortgage company without any notification, which resulted in an incorrect 30-day delinquency. 
The real issue is that they turned off auto-bill pay without notification. I had no notification that the initial transaction was declined due to insufficient funds. The fact that my mortgage company turned off the automatic bill pay is what caused the delinquency. The fact that the funds were not their initially is not in question. But the fact that they shut off the auto-bill pay is what caused the issue to be reported to the credit bureau XXXX 
To this day, I have not received any alerts from XXXX XXXX. 
When we contacted them requesting proof of them contacting me, the person I spoke with XXXX, stated they refused to send me proof and that could only be requested via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached letter for Transunion forcing me to go above and beyond to get a free credit report after a denial of a credit increase
Product: Mortgage

Fay Servicing purchased a mortgage we had on a home and is now the Loan Servicing Agent / Entity for our property at XXXX XXXX XXXX XXXX ( Loan # XXXX ). Our outstanding mortgage balance with Fay is currently about {$73000.00}.

We received a letter from Fay suggesting that we need to increase our Flood Insurance, and that if we did not do this, Fay would purchase flood insurance on our behalf - we needed to do this within  45 days ( the letter was dated XX/XX/XXXX, however we did not receive it until XX/XX/XXXX ). Again, our mortgage balance with Fay is ~ {$73000.00} and we currently carry flood insurance in the amount of {$130000.00} - well in excess of Fay 's liability. 

We wrote a letter to our account rep on XX/XX/XXXX requesting that Fay dismiss the request to increase our insurance because Fay is completely covered for any loss. Our account rep did not respond at all to that letter and still has not responded to us. 

We escalated this to XXXX XXXX, XXXX XXXX with Fay on XX/XX/XXXX. Ms XXXX advised she would get it to the insurance department right away. I called Ms XXXX again on XX/XX/XXXX and XX/XX/XXXX as we had not heard anything back. Both times our call went to voice mail and we left our name, contact info and repeated the request to call us back with a response to our insurance. Ms XXXX did not call us back. 

We wrote Ms XXXX again on XXXX - and received a very brief written response that our issue was " escalated '' was " in process ''. 

We heard nothing more for the balance of the week. We wrote Ms. XXXX again on XXXX and noted that it had been : XXXX 36 days since the date on the initial letter, * the initial letter specified a window of 45 days XXXX it had been 20 days since our first letter to Fay and that no response to our issue had been provided. We asked Ms XXXX to confirm that Fay would NOT purchase additional insurance on our behalf until this matter was resolved, and to provide us with expectations on when this issue would be resolved.

We received no response from Ms XXXX to our letter dated XXXX. 

It is now XX/XX/XXXX - 25 days since we first wrote to Fay regarding this issue, and we have no response to a very simple question.

We have since received a second letter from Fay reminding us that our time is almost up to purchase additional insurance.
Product: Mortgage

I have a home mortgage with Shellpoint. Every XX/XX/XXXX they are allowed to change my home mortgage interest rate by 2 % ( up or down ). In XXXX, and up to the end of XXXX of XXXX, my interest rate was supposed to be 5 %. In XXXX I received a letter from Shellpoint stating that my rate will be increased as of XX/XX/XXXX to 7 %. Per my original mortgage documents this change is legal/within our agreed limits of interest rate hike. 

In XX/XX/XXXX, when I logged into Shellpoint online to pay my monthly bill, the interest rate was already prematurely adjusted for the year. Instead of waiting until XX/XX/XXXX to adjust the interest rate, Shellpoint already raised my interest rate from 5 % to 9.5 %. The two errors made here are that the rate was prematurely raised, and it was raised more then the allowed 2 %, from 5 % to 9.5 % instead of a maximum of 7 % that was supposed to happen on XX/XX/XXXX ( as the letter from Shellpoint said - this is attached for your review ). 

I called Shellpoint in XXXX and spoke with 3 different representatives. They told me that the error would be fixed and changes would be seen on subsequent bills. 

The appropriate changes have not been made as of XXXX. I called them again on XXXX different days in early XXXX and they could not tell my why my interest rate was changed to 9.5 %. The last representative I spoke with said he could not help me but advised me " to put everything in writing '' and submit the document to Shellpoint. Having done that ( document attached for your review ), I called again on XX/XX/XXXX to get an update on my file. The Shellpoint representative said that Shellpoint only performs " a service '' and my rate can only be changed by " the investors '' who manage the loan. The representative at Shellpoint did not tell me who " the investor '' of my loan is. XXXX used to carry my loan before it was taken up by Shellpoint. I am not sure who the investors are who " have '' my loan and am writing to you hoping that you will be able to assist me.
Product: Money transfer, virtual currency, or money service

I was scammed via cash app.I paid for a vehicle to be towed and rekeyed. I paid via cash app and when I got off work the car was not towed. I tried contacting them and it was clear it was a scam they stopped answering. I contacted cash app and they did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.