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

My credit report is showing late payments to XXXX XXXX/XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

To help protect myself against fraud and identity theft, I contacted XXXX XXXX, and Experian. XXXX  and XXXX let me set up accounts through their websites and request or confirm credit freezes. I also set up an account on Experian. There was no simple way to request a credit freeze or to confirm whether it was included in the free membership. I finally found a reference to credit freezes in Experian 's educational materials. ( These were patently marketing materials for their enhanced services. ) In order to request a freeze, the consumer is directed to a phone number. I called, but there was no option to request a freeze or speak to a customer service rep. The call was summarily ended by the Experian phone system. I am complaining because I just gave a lot of sensitive, identifying and financial information about myself and I am not able to confirm whether the benefits of my membership includes a free credit freeze or how to request it. The site promotes its other services in a very heavy handed way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX an unknown individual used my name and personal information to reserve an international flight through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) using my name and American Express card. This unknown subject booked this flight starting at the XXXXXXXX XXXX XXXX on XX/XX/XXXX which was to fly first to XXXX, XXXX, then to XXXX XXXX XXXX XXXX XXXX XXXX then to XXXX XXXX XXXX XXXX and then back to XXXX XXXX all on the same day. The total billing placed my American Express card for this unauthorized flight was {$3700.00}. 
I became aware of this situation when I reviewed the statement for my American Express Card account online on Monday XX/XX/XXXX. 
Since then I have been in contact with American Express 10 times by phone and sent supporting documentation ( IDtheft.gov report, XXXX XXXX MD Police Report, IRS Affidavit of ID Theft, and associated letters, including cover letters ) on three separate occasions, both by hard-copy mail and through their document submission portal since XX/XX/XXXX. 
Their investigation has been totally inadequate and inconsequential stating that XXXX XXXX supports that the reservation was made without any acknowledgement or reference to identity theft. As of today ( XXXX XX/XX/XXXX ) the charge has again been reinstated, basically ignoring any aspect of identity theft or supporting documentation provided thereof.
Product: Credit card or prepaid card

Additional investigation required. I opened a Capital One prepaid card to restore my credit. I paid {$99.00} to activate a {$200.00} credit card. 

I was going to the hospital for a bit and I called in to set up autopay. 

I was hospitalized for 3 months. 

When I got home I got my bill. I was surprised to see the bill was overdue. 

I called in and made a debit of {$160.00} to keep the account current. 

I was told by PHONE that my account would be ok. 

A week later I got a refund check in the mail and my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 I also have some inquiries on my credit report that I didn't authorized. 

XXXX Inquiries : XXXX XXXX XXXX  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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX AKA XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Debt collection

Sent debt validation notice in XX/XX/XXXX with no information returned.This account is also being reported inaccurately on my credit report. 

I originally requested the following.. 
Proof that the buyer actually purchased this specific account The terms and conditions of the sale of the account. 
original contract, statements, proof of the alleged debt Contract that I have with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was part of the major data breech in 2019 I think it was or after that. But didnt find out until now and my info is still being used everywhere I have people constantly calling me with my personal info and now I know why I was getting hit so hard those years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint that XXXX XXXXXXXX XXXX about their reporting will as not correct as to the date of my first late payment seven years ago. The problem is that they corrected that erroneous information by publishing even worse false information : THAT I HAD DECLARED BANKRUPTCY ON XX/XX/2019!!!! WHICH IS ABSOLUTELY FALSE!! Which is a lie! How can they get away with this. Any search of public records will show that this is not true. Obviously they are purposely reporting false information to my harm. Publicly fabricating lies about someone should be illegal and there should be some legal recourse available to me ... or the company can just keep publishing lies and then when I contest it they just publish a new lie!
Product: Debt collection

Subject : Cease and Desist Unauthorized Debt Collection Activities and Privacy Breach Dear Wells Fargo, I am writing to express my deep concern and dissatisfaction regarding the recent actions taken by your debt collection department in relation to an alleged debt. It has come to my attention that Wells Fargo has accessed my non-personal information in an attempt to coerce me into paying a debt for which I am not obligated. This blatant breach of privacy is not only unacceptable but may also constitute identity fraud.

First and foremost, the unauthorized access to my personal information without my explicit consent is a violation of my privacy rights. Such actions raise serious concerns about the security of my confidential information and may have severe implications for identity theft. I insist that Wells Fargo immediately cease and desist from any further attempts to access my information without proper authorization. 

Moreover, I have discovered that Wells Fargo has added an account to my credit report without my authorization. Even if there were a permissible purpose for such an action, it is imperative to note that the consent of the consumer is still required. I want to emphasize that I do not grant consent for Wells Fargo to include any information related to this alleged debt on my credit report. This unauthorized addition is not only damaging to my creditworthiness but also a clear violation of my rights. 

I request, in accordance with Texas state laws and federal regulations, that Wells Fargo rectify this breach of privacy immediately. I would appreciate your prompt attention to this matter by removing any and all references to this alleged debt from my credit report. Failure to comply with this request will compel me to pursue legal actions to protect my rights and seek damages for the violation of my privacy. 

Furthermore, I am deeply disturbed that Wells Fargo has contacted me without obtaining the necessary consent to do so. I want to make it explicitly clear that I do not wish to engage in any business transactions with Wells Fargo regarding this matter or any other. I reserve the right to control communication with your organization, and I demand that you cease all contact with me immediately. 

To assist you in understanding the severity of these issues, I would like to reference specific Texas state law codes and federal law codes that are relevant to the information provided in this letter : - Texas Privacy Laws : [ Insert relevant Texas law codes ] - Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 et seq.

- Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 et seq. 

I expect Wells Fargo to take swift and appropriate action to address these concerns. Please confirm in writing that you have taken the necessary steps to rectify the unauthorized access to my information, remove the account from my credit report, and cease all communication immediately. 

Thank you for your prompt attention to this matter. I trust that you will handle this situation with the seriousness it deserves. 

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

XXXX XXXX did not report my car is completely paid off. Please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian account they have just about all of the same accounts listed 2 times a piece. Thats causing me to have over 20 accounts open which is not true. Then on some of the accounts their listed current but closed. I have paid these accounts off like acceptance now, XXXX, comenity XXXX XXXX. So why is it closed when I paid them all in full. I just rather then delete the whole account.
Product: Debt or credit management

Im out of my apartment with no fees, and now the IQ data collection are giving random fees
Product: Mortgage

Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct.
Product: Credit reporting or other personal consumer reports

Ive tried reaching out, but with no luck! The account was opened in XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company Mr. Cooper failed to pay real estate taxes and when I brought to their attention they say that it was their fault that they did not collect but now I have a {$5000.00} deficiency in escrow and are raising my payments by 54 % which changes my payment from {$1100.00} to {$1700.00}. I can not afford this type of increase and this might cause me to default on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I contacted what I thought was XXXX customer service # XXXX to see why I was having a charge taken out of my checking account when I do not have XXXX XXXX. They identified themselves as an XXXX representative and said there was a XXXX XXXX that was ordered and set or delivery for the amount of XXXX. They said my account had been hacked and we needed to set up a dummy account to fix the issue. They remotely logged into my laptop and tried to fix the dual hacking.At some point I was called back by phone # XXXX. After a bit they said they needed a pin # from a XXXX XXXX gift card to fix the issue. They put what I thought was XXXX into my checking account to purchase the gift card. This happened 3 more occassions when they needed to get another pin and run it to fix the hacker. When I was at the store, they transferred money out of another checking account making it appear they were inserting the funds in the account. They also purchased 2 XXXX cards against my checking account through a XXXX XXXX account. One amount for {$100.00}, XXXX. These invoices will be enclosed with a site of purchase called XXXX XXXX. I also received emails from XXXX   XXXX stating the account was upgraded. The account was closed through XXXX  XXXX, XXXX and my Financial institution. In all these hackers got XXXX of my money through gift cards and then the two charges for the XXXX gift cards. The next day I received a text message from # XXXX stating we missed your call and to call them back for the refund pending under my name. I did not call back and blocked them.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
Product: Money transfer, virtual currency, or money service

I was contacted by a woman named XXXX XXXX from Arizona, we had been talking to each other for roughly a month and the topic of money came up. She had offered to send me {$4500.00} to help with costs of me moving into a new house. We had tried to do a money transfer through XXXX which I had used before but it didnt work. Then she had sent me an e check to be deposited online through my bank app on my phone. Once the check was deposited she had requested I sent her back {$500.00}. I did so, but once I began to question why I had received several threatening messages. I had then been contacted by several emails, phone numbers, XXXX, XXXX, from all different names. I was receiving terrible threats and this is when I had blocked all contacts linked to her and made my initial report for fraud. I then contacted my bank a few days later when I noticed my account had been overdrawn {$4000.00}. The bank stated there was nothing they could do to help me regain the funds I had lost.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries which I did not apply to and I don't recognize them, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hi, My name is XXXX and I currently reside at XXXX XXXX, FL XXXX. I recently purchased my home and my original lender was XXXX and loan number with that creditor was XXXX. A little over six months into the loan, the lender has sold my account to another creditor which is Nationstar Mortgage. My new account with Nationstar mortgage is XXXX. My previouse lender XXXX did a cost analysis on my account of XX/XX/2017 which I did not receive any notification for. Based on their cost analysis my previous mortgage payment of {$1000.00} went up to {$1300.00} due to my homeowners insurance going up frm {$1500.00} to about {$3000.00}. I reached out to my insurance company that advised me that my homewoner 's insurance remains at {$1500.00} for the year. I then reached out to my old lender who is XXXX that could not explain where they got the higher amount from. I had my insurance company faxed over a copy of insurance policy to XXXX insurance, who advised that they woud review my account and make the adjustments. Since then my account has been sold to Nationstar Mortgage, who advised me that they are not be able to assist since they are not able to touch the account, even though they are servicing my loan as of XX/XX/2017. The new creditor which is Nationstar Mortgage is stating that I need to pay the higher amount. I need my mortgage payment adjusted and a new analysis done with my correct homeowner 's insurance information. I also need to have XXXX investigated since they where not able to explain why they increase my payment amount and also where did they get the information for my insurance increase.Most importantly I need to have Nationstar Mortgage review my account for my XX/XX/2017 payment.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$2600.00}