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

I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXXXXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my credit score. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Regulator, I do not want to renew my CD at maturity. This preference can be mentioned at CD opening account or before maturity. All other banks offer this feature and capability to set renewal preference. 

I have open two CD accounts in 1st of XX/XX/2023, it is keep renewing automatically without my preference. Even customer representative can not change renewal preference, I have to call them one day before maturity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXXXXXX 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 or other personal consumer reports

FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

I have a derogatory mark for a collection from XXXX XXXX XXXX   starting XX/XX/2015 of {$160.00}. It originally came from XXXX. I had no knowledge of this derogatory mark. I had a motorcycle for a very brief period in which I had to get insurance on. I never had ANY issues with payments at all. I had everything on autodraft. So I was very surprised to see the derogatory mark and not have the ability to get it removed. I am hardworking and starting a business and want to put myself in a better place.
Product: Debt collection

Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires on my credit report XXXXXXXX XXXX XXXX  - non specific XX/XX/XXXX Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX other than XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the FAIR CREDIT REPORTING ( FCRA ). I am requesting immediate removal of these fraudulently inquiries from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Mortgage

I fell behind with my mortgage beginning in XX/XX/2021. I was able to make some payments in XXXX but not sufficient to reinstate my account to a current status. I removed money from my small retirement account but it was not enough with being delinquent with the utilities and other household bills, including a defunct XXXX unit that required repair/replacement. I was hesitant initially to apply for a loss mitigation, thinking that I could get caught up but fell further delinquent. Upon falling 6 months delinquent, I then received a notification of impending foreclosure status if I did not pay the arrears plus over {$1200.00} in legal fees which I did not have in my possession, nor could secure with a loan as my credit is subpar. I have submitted the loss mitigation documents as of XX/XX/XXXX, where my account has been stagnant and no new activity or status update. I have called at least weekly to check the status my account, however was advised to wait XXXX business days but no new updates have occurred. In addition, I advised of my willingness to attain half of the required balance to reduce the liability however was informed that I must remit the entire balance. As of today, I have reached out several times to gain a status update and advise that no new updates regarding my account have been provided, which increases the possibility of my account moving into a pending foreclosure date.
Product: Payday loan, title loan, or personal loan

My file was apart of the Equifax breach
Product: Debt collection

I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )
Product: Mortgage

To whom it may concern : Five years ago I purchased a home with my husband and initially started with XXXX XXXX. Four years ago our loan was transferred over to Loan Care and there began our problems! We have never been late with our payment but Loan care has mismanaged our escrow account, allowed our homeowners ' insurance to cancel only to put force-placed insurance at a higher price and has botched any an every management possibility of our mortgage servicing by them. Nor have they responded to emails, phone calls or the complaints I have lodged in the past. Our mortgage payment continues to go up and we are concerned that they are mismanaging our loan, escrow account and have swindled us out of money! Unfortunately, we are not the only ones! We are part of a Loan care and XXXX blog that has several complaints against them numbering in the hundreds, who like us are looking to help against a servicer who continues to mismanage our account. Day by day we continue to fear that we will eventually be pushed into foreclosure due to their sloppy managing. Just recently I called them to see if them in XXXX of 2020 to see if we could pay for our own home insurance and we were denied. I was told because it was an FHA loan they would have to continue to pay it themselves from escrow. However, when I called to check if they had made payments the representative told me no we have not. Thank XXXX I had the home owners insurance debited from my bank account otherwise the my home owners insurance would be cancelled and they would put force placed insurance on us again like the first time around. They didnt pay our home owners insurance then either and our insurance company cancelled our policy. Since then our Home Owners Insurance has gone from {$1000.00}. to {$3000.00} Recently we received a letter from Loan care stating that our escrow account is short yet again for {$1800.00}. Upon receiving this letter I immediately called in but the representative I spoke with couldnt give me any clear answers and therefore, I requested the call be escalated and for her to have a supervisor call me. To date no supervisor has ever called and I need your assistance! This company is the subject of many class action lawsuits due to their poor track record of servicing home owners loans. I really hope you can help us! Thank you.
Product: Credit reporting or other personal consumer reports

Enrolled in a XXXX day trial for the experian identity works premium, forgot to cancel, have been trying to cancel for about a month to no resolution. App and website require payment update and continue, can not get through the automated system via phone call to talk to a XXXX XXXX Experian even though i locked and changed my card for them not to take the funds out has been trying to withdraw at least once every day for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 an account without my written instructions My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I C XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this information with the data furnishers. They have ignored my request to provide me with information that validates this debt. As a consumer i do not owe any alleged debt 15 USC 1962 G, I also have a right to privacy as a consumer. My medical information should not be shared with different agencies. 
1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 


( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veteran 's medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.
Product: Debt collection

The account in dispute is with Citibank which sold the account to XXXX XXXX. 

The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. 
The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. 
Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Product: Debt collection

I submitted previous complaint regarding this matter ultimately being an amount more than what I am owing that was sold by Advance Financial and still sold debt out on total amount as if I paid them nothing. I took a loan out with Advance financial and paid owed amount down to {$700.00}. This is the accurate amount owing, not {$1000.00}. The collection agency responded saying the last payment WAS made in XXXX since account opening in XXXX and again that was because they had some kind of departmental changes and when I called to make payment everyone I spoke with seemed like they couldnt locate my payment plan on account because it was handled by a certain department. XXXX XXXX response did not acknowledge attached receipt of payment and owing balance in any way. This collection agency has bought an inaccurate debt amount from Advance Financial and is not trying to acknowledge this fact as provided PAYMENT RECEIPTS DO NOT LIE.
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 Date of Birth : Date of Birth : XXXX  Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I recently found out in XXXX XXXX that Online Information Services ( OIS ) was reporting a collection debt of {$86.00} on all my credit reports, which does n't belong to me. I disputed them through all the three major credit bureaus in XXXX XXXX. XXXX and XXXX removed OIS, but the collection debt remains on my XXXX, reason being the debt was valid. I disputed OIS through XXXX again, providing proof that the company was removed from my XXXX and XXXX reports. During XXXX XXXX dispute process, OIS sent me a letter dated XXXX XXXX, XXXX, stating that they validated the debt through the original creditor. They also provided a bill as their validity of the debt. 

I contacted OIS directly with a certified letter dated XXXX XXXX, XXXX which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay OIS. If no such documents exist, all collection debts from Online Information Services should be ceased and removed from all my credit report. OIS replied with a letter dated XXXX XXXX, XXXX, saying they responded to the same dispute. Once again they send me a bill from the original creditor, but they continue to fail to show any documents bearing my signature. 

I sent a second certified letter dated XXXX XXXX, XXXX, which OIS received on XXXX XXXX, XXXX. I included in the letter they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Online Information Services since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my XXXX credit report, even though it was removed from my other two credit reports.
Product: Credit reporting or other personal consumer reports

VECHLE WAS SOLD AT AUCTION BUT REPORTING AS A CHARGE COMPANY WILL NOT PROVIDE 1099-C
Product: Credit reporting or other personal consumer reports

I am reaching out to formally contest the accuracy of the late payment details currently listed on my credit report. Upon thorough examination of my credit report, I have identified discrepancies concerning late payments that I believe have been inaccurately recorded. I kindly request your immediate attention to address these discrepancies and rectify the inaccuracies present on my credit report. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Received credit of XXXX in XXXX from care credit/synchrony bank. 
I paid {$200.00} in XXXX with a {$170.00} min. Due. promotional 24 months zero interest. 
My XXXX  Where the original credit came from then issued a credit of {$2900.00} on XXXX. Left a balance of {$900.00} I called then because they were still charging me {$170.00} min due on a {$900.00} balance. 
I had it on auto pay so they would take the minimum due a minimum due this month was XXXX but yet they still took {$170.00} out of my bank account for the second month in a row. 
I contacted them 63 by email three by phone. 
Every time they assured me that it was their mistake and it would be corrected. See enclosed letter.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Paramount Recovery is violating FCRA, FDCPA, Collectors are required by law to send written debt validation notice with information about the debt they're trying to collect. It must be sent within 5 days of 1st contact. This was never done. They just started reporting to my credit report on a debt I disputed from another company. Neither of the companies have sent any written notice for this. This is hurting my ability to obtain credit and creating emotional hardships. I have also filed a complaint with the State of Florida and their business license.