23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MY NAME WRONG AND ALIAS NAMES SHOULD NOT BE THERE AND PREVIOUS ADDRESSES THAT SHOULD NOT BE ON MY REPORT
Product: Mortgage

In XXXX of 2014, Wells Fargo forced an escrow account with my regular mortgage payment citing that I owed taxes to the county. I was notified 3 months prior of the potential switch. Wells Fargo provided no delinquent tax bill or threat of sale before the decision. The tax bill was not delinquent and the county office allows taxpayers until XXXX of the following year to pay in full instead of paying the amount in quarterly payments. The escrow account caused my mortgage payments to almost double per month and caused a financial strain on my ability to pay my mortgage. When I inquired about it with Wells Fargo, they lied and said that the county office alerted them on non-payment by the owner. Upon further investigation, the office notified me that they never contact mortgage companies to collect taxes. I had previous paid my taxes every XXXX for almost 9 years. Wells Fargo sent one letter and then without cause switched my account to an escrow account. For at least every 2 years since I've been escrowed, I have owed on my account at the end of the every and my payment is increased. I have asked numerous times to reverse their decision and allow me to pay my taxes in XXXX using my tax refund to which Wells Fargo has denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did i give you written instructions to furnish this 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- ( A ) 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 USC 1681.
Product: Credit reporting, credit repair services, 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 items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company had an inquiries on my report that I did not authorize or consent i am the victim of is theft and this company has been aware of this numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Reporting Agency Someone other than me were able to change the email address in my Experian credit report, But Experian didn't notify me about the change. 

When I try to contact them they have an impossible system that is so hard to get to a live person. But I was able to get to someone and they tell me that my email or any thing for that matter is wrong and hang up. 

It was so difficult to get to someone and if you do they transfer you from one place to another. 

In the mean time, XXXXwo inquiries for credit application was recorded with in a day. But it is impossible to talk to some one.
Product: Credit reporting or other personal consumer reports

The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX Balance : {$150.00}, and XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account, held by the  U.S. Department of Education,  being reported on my Equifax and   XXXX   credit reports multiple times ( mostly recently on   XX/XX/XXXX     ) without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with th e U.S. Department of Education  on   XX/XX/XXXX     and as of this writing,   XX/XX/XXXX      (  more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed as  XX/XX/XXXX , but the  'Date First Reported '  is listed as  XX/XX/XXXX , and at that time they claim the account was already in collection status. Neither th e U.S. Department of Education n or Equifax or   XXXX   have provided me with the 'Date o f Default ; ' th erefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX # XXXX, 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.
Product: Debt collection

Beginning on XX/XX/XXXX, I started receiving emails from Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX demanding payment on a traffic ticket I received in XXXX back in XXXX for the amount of {$380.00} ( fine plus late charge penalties, I assume ). My complaint is threefold : 1. I paid this fine on XX/XX/XXXX to the XXXX  authority and therefore Cedars Business Services has no ground to collect this fine. I have proof of the wire transfer for XXXX XXXX  and emails with the XXXX  agency showing they received the payment on XX/XX/XXXX. XXXX. On XX/XX/XXXX, I replied to Cedars Business Services from my email account requesting that they provide proof of their agency with the XXXX  authority, upon which I'd be prepared to provide my documented proof of payment.. To this day, I have not received any communication from them proving their agency with the XXXX  authority. Until I receive that I have no idea whether they are legitimate. 3. they continue to send these unwarranted threatening notices to my wife 's email account even until XX/XX/XXXX. 

From my research it appears that Cedars Business Services sends out these unwarranted debt collection notices and they should stop this practice. Just search Cedars in the CFPB database to see those complaints. I found at least four.
Product: Mortgage

In XX/XX/XXXX an insurance claim had to be filed due to water damage caused by the dishwasher. When the insurance claim was filed, the mortgage was being serviced by XXXX XXXX XXXX XXXX and was in a current status. 

As of XX/XX/XXXX the loan servicing was transferred to Mr. Cooper. Prior to the service transfer an insurance claim settlement had been approved and a check was issued dated XX/XX/XXXX. The check was made payable to us ( borrowers ), a third party adjuster, and the lender ( XXXX XXXX Mortgage ). 

Due to the loan being transferred to Mr. Cooper on XX/XX/XXXX the insurance company had to re-issue a new check to reflect the new lender. 

The insurance company re-sent a new check, dated XX/XX/XXXX and made payable to us ( the borrowers ) and lender ( Nationstar ). 

On XX/XX/XXXX I contacted Mr. Cooper to obtain instructions on how to send and obtain the lenders endorsement. I was transferred to the insurance/loss draft department and was told that an escalation needed to be opened due to the loan being serviced by a previous servicer when the claim was initially opened. Additionally, I was told that the previous servicing file/loan history could not be reviewed in their system. 

XX/XX/XXXX, follow-up phone call was made to Mr. Cooper. I was told the request was still being reviewed by the legal department because of the loan being previously serviced by another company. I was again told that the prior servicing history could not be viewed. When I asked the agent why, he basically told me that their system had not yet been updated and said that in a perfect world it should be. 

At this point I do not understand why it is so difficult to get instructions on how to send a check to get endorsed and feel as though this company is in violation of the servicing rule regarding mortgage transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was XXXX. As they can see from account opening there was never any activity on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. I have already been a victim of identify theft from XXXX XXXX, This has to stop, Equifax provided a sign up for credit monitoring but it turns out they have legal language absolving them from class action suites which is unacceptable. Equifax must provide monitoring, a 1 year fraud alert with all credit bureaus that is easy to renew.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/2023 XXXX XX/XX/202XXXX 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

On XX/XX/XXXX I disputed 3 non qualifying inquiries reporting on Equifax in the following letter below. Now I'm requesting the Agreement and or electronic online agreement signature with my signature on it that verifies or make these inquiries a matter of factual record. I understand that Equifax can not report Inaccurate incomplete reporting on my credit report. Furthermore, I understand that it is Equifax responsiblity to investigate and reinvestigate all requests made by the Consumer. And that reinvestigations must be conducted in 15 days. The consumer does not need to contact the original Creditor. That is Equifax job. I will be waiting on the response. If we can not resolve this matter amicably in 15 days as the FCRA requires for reinvestigations. I will be forced to sue you. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX Bank XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX v. Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No!

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Product: Vehicle loan or lease

I was approved for the car loan through the dealership and later called back to amend paperwork which gave me a higher payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$2600.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

Dear, Im XXXX  years XXXX, i had wireless services 5 phones with XXXX, due to bad ( no reception at home ) reception and filing complaints with FCC, i had to terminate my services with XXXX, on XX/XX/XXXX i got a call from Mr XXXX  ( Sunrise collection ) that i owed XXXX  {$1800.00} i told no i only owe only {$1400.00} because it was promotion XXXX   had buy one and get one free and on XX/XX/XXXX two days prior to my termination if I pay the remaining balance on buy one get one {$370.00} ( copy of XXXX XXXX ) i will only owe {$1400.00} so XXXX  asked to pay ( $ XXXX+ {$7.00} ) {$1400.00} and write Dispute letter disputing {$370.00} my account shows paid in full, I paid {$1400.00} and emailed my dispute email to XXXX on XX/XX/XXXX and kept my agreement with sunrise collection and they must keep theirs and ask XXXX XXXX XXXX to credit {$370.00} if not please return my {$1400.00} and i will take my chances with small claim for full of {$4300.00} that XXXX XXXX XXXX didnt provide services and I will file complaints with CFPB against Sunrise credits service for using Bait and Switch technique to take my payment and not delivering their obligation.on XX/XX/XXXX I called sunrise collection I was ask to file dispute again with copy of my statement to show {$370.00} and we settled the account Attached is the receipt It shows that on XX/XX/XXXX two days prior to cancel my services with XXXX XXXX XXXX i was asked by XXXX XXXX XXXX representatives if I pay {$370.00} I will get other phone free according to promotions on XX/XX/XXXX by one get second free and I did.

On XX/XX/XXXX got call from XXXX ( Collections agency ) that I owe XXXX XXXX XXXX  {$370.00}, I did explained the situations but they asked to call sunrise collections agency and to remove {$370.00} so I did but dont rememberd any email nor disputed email, this is unethical and fraudulent we had an agreement i didnt have to pay {$1400.00} because XXXX  will agrees if not i will go to small claim and settle my dispute instead of pay collection agency.

Attached are four photocopies the last two are the emails I sent to sunrise collections on XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Failure To Remove Unauthorized Hard Inquiry-A Violation of FCRA. 
To whom it may concern, I am expressing my disappointment and concern regarding Equifax 's failure to respond to my previous letters disputing hard inquiries listed on my credit file. As I previously stated on XXXX XXXX, I have sent Equifax several formal letters requesting the removal of hard inquiries. 
XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year>. 
These inquiries were made without my knowledge and without my consent and appeared to the result of identity theft. I have talked to a representative of Equifax, they confirmed they received the police report and the FTC report they requested. However the hard inquiries remain on my credit file which is a violation of the FCRA. Section 605 ( a ) ( 5 ) of the FCRA clearly prohibits credit reporting agencies, such as Equifax from furnishing information that they have reasonable grounds to believe resulted from identity theft. I have requested a detailed documentation for these inquiries. I never received any documents relating to these inquiries from Equifax.This is a direct violation of the provisions of the FCRA law. By failing to provide me with documentation, these inquiries shall be removed promptly. It has been well over 30 days since my initial dispute letter for these inquiries. As required by the FCRA for Equifax to respond. Yet, I have not received any communication from Equifax regarding the status or the removal of these inquiries. The lack of response is unacceptable and Equifax is causing harm to my credit file. I am again demanding that Equifax removed the disputed inquiries from my credit report and accept the police report, FTC report and my State Congress report to remove the disputed inquiries. Failure to do so of this date of this letter will result in legal action against Equifax reporting agency for violating the FCRA laws. 
Sincerely, XXXX XXXX XXXX XXXX