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

Since last year I disputed an inaccurate address on my credit report, in order to filed the allege disputes, i was asked by the credit report agency to submit some documents such utility bills, a valid new york state driver license and others to support my claim, as a result of the investigation of the credit report agency the following address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX has been disputed. And the only address and correct remaining on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. On XXXX XXXX, 2017 when i ordered my credit report the wrong address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX never been disputed and remain on my credit file despite i already submitted copies of my new york state driver license, XXXX XXXX bill, social security card as well, i called there credit report agency to file dispute again, unfortunately they did not remove the wrong address, and also reported a wrong date on my auto loan XXXX XXXX,2017 instead of XXXX XXXX,2017. My auto loan account was opened on XXXX, 2017.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX 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: Credit reporting or other personal consumer reports

am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : ACCOUNT : REPO AUTO ACCOUNT NUMBER : XXXX account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX has XXXX to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I did not receive any notice from : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my XXXX XXXX and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX.
Product: Mortgage

I have a HELOC with US Bank, and online, the website states that you can unlock and re-lock your HELOC same day. I had previously locked my HELOC and after a bathroom remodel, I wanted to lock the entire balance in at the lower rate however, when I attempted to unlock and re-lock the rate, I was only able to unlock the balance previously locked. I called the customer service number on my bill and was advised that it would take three days to be able to lock the lower rate in however, they would note my account and if I called back in, they promised they would adjust the interest. I called back three days later however, I was transferred around from person to person re-explaining my situation each time and then after holding for over 15 minutes, I was hung up on. I was on that call for over an hour and never got my issue resolved and I am being charged interest at a daily rate during the timeframe of unlocking and re-locking my rate in. Below are my concerns. 

1 ) I should be able to get competent assistance from a knowledgeable representative when I call the number specifically for the XXXX department, XXXX. 

2 ) When I call and explained my situation, I shouldn't have been transferred from one group to the next to explain it all over again. The initial representative should have followed their escalation path, which they did not. I was transferred over 5 times in an hour, and each time told that they were the wrong department. I wish someone knew what they were doing and not wasting my time. Out of all the reps I spoke with, only one was kind enough to stay on the line to transfer my call and yet, unfortunately, it was to the wrong department. The rep accepting the transfer had to of told the transferring rep that they could help, maybe it was the end of their shift, and they didn't really care to help me at all. 

3 ) When I am told my account will be noted and to call back, it should be that simple, my account should have been noted, it should have been an easy resolution, however, here I am, issue still not resolved and having to file a complaint to get anything done about the interest I am being charged and was promised would be waived/adjusted. I was promised the interest would be waived due to the breakdown online, for anyone to tell me otherwise, is not upholding the PROMISE made to me. The online breakdown and process failures will not be at my expense. 

4 ) I want the entire months interest charge to be waived as I should not have had to spend that much time on the phone, when the website clearly states that I should have been able to take the actions I attempted to take. I should have been able to unlock and re-lock my account without any issues. I was lied to online and over the phone. 

Further more, based on my conversations with the various reps I spoke with, there are clearly billing errors ( XXXX XXXX XXXX ) and XXXX issues that were violated however, the reps I spoke with didnt seem to care or know what was happening. No one pulled up the website to verify what I was saying and no one seemed to care which is a serious customer service issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!
Product: Credit card

XX/XX/year> - {$280.00} - Service company was to spray my house to get rid of bees and to remove bee hive. The person from the service company did not remove the bee hive. He told me there could be more live bees around, XX/XX/year> - {$69.00} - A person from the service company came to my house to make sure there were no bees. The person could not remove the bee hive because he told me the ladder he had was not long enough to reach the bee hive.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 


XXXX : XX/XX/XXXX : I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete It from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXX Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX  : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX XXXXXXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

In XXXX XXXX XXXX the company that was working with our mortgage, XXXX sold our loan to XXXX XXXX XXXX HomePoint Financial Corporation. Our first payment of {$1800.00} with them was due XX/XX/2021 and we use automatic bill payment from XXXX XXXX XXXX. 
HomePoint Financial Corporation claims they never received that payment. It is always to be two years since all this ordeal started.

I have reached out to HomePoint Financial Corporation countless times by phone, email, faxed proof of payments and all documents I have. I have also reached out to XXXX XXXX XXXXXXXX to send proof of payments, but Homepoint keep saying we are behind on our payments. 
I am sick and stressed by this situation. Every month we receive a statement showing we are behind XXXX month on our payments. But that is not true. We have been always on time to pay our mortgage, even at the beginning of the pandemic, when I was laid of from my job. 
It is impossible to deal with this company. They do not assign one person to work on your case. Every time you reach them, you are talking to different people who are not familiar with the reason your are calling for and you have to explain yourself numerous times. They don't give you a last name or a direct extension to reach them. 
Same happens when you write an email to them. A different person responses to your emails. 
I have kept all the documents I sent to HomePoint Financial XXXX. 
I need help, because I do not know what else to do. 
We can not afford a lawyer to help us with this and it is not fair to pay an extra month of mortgage, when we have never been late on our monthly payments. 
My husband and I are working people trying to makes ends meet and paying all our bills on time and we have never been late to pay our rent, when we rented a house for 10 years. The same way, we have never been late paying the mortgage of this house we bought almost 7 years ago. 
We never had a problem with our previous loan companies until our loan was sold to HomePoint Financial Corporation. This has been one of the worst things that have ever happened to or family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX   XXXX {$6800.00} XXXX   XXXX {$3700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$12000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tranunion website states im 30 days or more pass due of {$330.00} owed to XXXX XXXX ( car loan company ) I called XXXX XXXX today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing XXXX ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access on the Equifax website to obtain annual free credit report and to verify that my credit report was unlocked. On Thursday, XX/XX/XXXX at XXXX I called contacted Equifax to address the problems. They verified my identity but stated that they could not unlock my online account or provide a credit report or provide proof that my credit report at Equifax was unblocked as their system was updating. I was told to call back on 30 minutes to one hour. 

I called Equifax again at approxiamtely XXXX and answered multiple security questions over the course of 15 or 20 minutes including being placed on hold. I was again told that the system was updating and Equifax could not provide proof that my credit report was unblocked, unlock my online account or allow me to access my credit report online. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I called Equifax for the third time to receive verification that my credit report at Equifax was unblocked and to inquire how i could unlock my online account at Equifax. The representative and supervisor I spoke to over the course of 45 minutes said that the system was still updating and it was unknown when it would be complete. As a result, Equifax could not proivde proof my credit report was unblocked, unlock my online account or allow me to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT FOR MYSELF AND THERE IS NO THIRD PARTY INVOLVED. 

I AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY CONSUMER REPORTS. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THESE CHANGES. I NEED THE ITEMS TO BE DELETED TO CORRECT MY CONSUMER FILES. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ENCLOSED A COPY OF THE FEDERAL TRADE COMMISSION AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!
Product: Payday loan, title loan, or personal loan

Over the least 18 months I've attempted to contact the business Speedy Cash & the collection agency XXXX XXXX. Speedy cash refuses to provide copies of paperwork that would have had to be filled out to obtain alleged loan. XXXX XXXX the collection agency also refuses to provide any proof that I obtained a payday loan. I have never obtained a payday loan anywhere in my life. I'm a retired police officer with full pension prior to XX/XX/2015 when they allege I obtained the loan & when I refuse to give my full SSN # they hang up on me! 
Without them providing any documents I would have had to sign, it's difficult to prove the loan was not obtained by me. I also have bank documentation that unknown persons had gained access to my checking account around the same time & can provide that If necessary. That loan isn't mine & the 2 businesses involved are highly uncooperative & why I need help dealing with them
Product: Vehicle loan or lease

On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.
Product: Debt collection

GM financial sent 2 of my pre-paid lease accounts to collections after the vehicles were returned on time and in good condition. These leases were paid off ahead of me even receiving the keys, and therefor had no payments to be made. There was no damage to the vehicles after they were turned in, and I can't get a straight answer on what I actually owe them at this point. They have called me almost every single day for almost 2 years now, regardless of the fact that I filed bankruptcy and those accounts show on my credit report as XXXX with that bankruptcy. I have attempted multiple times to contact them about my account, but they claim I don't have an account with them - and yet they keep calling. They switched to calling from an unknown number so that I can no longer block their incessant calls and voicemails.