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

Someone fraudulently took a loan out using my information. I disputed many times with experian. The most recent dispute I provided a police report and an identity theft report. Plus, I have a fraud alert and a freeze on my credit. If I was not an victim of identity theft why would I have the freeze and fraud alert? My dispute was denied even though I submitted a police report and I identity theft report. I do not know who took the loan out using my information but it is not fair that this credit reporting agency is continuing to victimize me by allowing this fraudulent account to stay on my credit. Also, they are victimizing me because they are pretty telling me I'm lying even tho I submitted proof that the account was obtain by identity theft. The account that is fraudulent is the Investigative reporting collection on the account. I did not obtain this loan, it was taken out using my information. I provided proof.
Product: Credit card or prepaid card

Discover Credit card account has remained 'suspended ' after paying the balance early through a payment plan recommended by Discover. 
The XXXX credit limit has not been accessible, even during COVID-19 pandemic when most needed. Discover has continued the suspension of my account. Their excuse for doing this is : my " credit history with other issuers ''. -Disregarding the fact that I do not owe Discover, the account is open and inaccessible. 
This account has been open since XX/XX/XXXX, starting with a XXXX credit limit, Discover reduced the limit to XXXX immediately when the balance owed was XXXX. Said amount was remitted to bring the balance back to XXXX in XXXX of XX/XX/XXXX. The original XXXX credit limit was never restored.
Product: Credit reporting or other personal consumer reports

I Recently, I did an investigation on my credit report which caused XXXX  XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. I made numerpus phone calls, amd letter sent on XX/XX/year>. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Product: Bank account or service

SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.
Product: Credit reporting or other personal consumer reports

FCRA viloations Not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Resident type XXXX family XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type XXXX family not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

those hard inquiries are fraudulent and I don't recognize : From XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Transunion XXXX XXXX ( Auto ) XX/XX/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 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

XXXX XXXX XXXX  Reported to the credit bureau Equifax that my account was closed and deleted from my credit report Equifax will not update credit report even after sinning documentation that it is paid and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report. 

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX  I reviewed my credit report and noticed some inaccuracies and nothing was done to rectify the situation. 

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 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  15 U.S.C . 1681 Section 602 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whome It May Consern : This Letter Is regarding account XXXX XXXX Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Vehicle loan or lease

I took out a loan with Wells Fargo Dealer Service on XXXX. My first payment was due on XX/XX/XXXX. This payment was automatically sent from my bank and applied on XX/XX/XXXX to my WFDS loan. Each month my bank would automatically sends out the payment. In XXXX of XXXX I started to send in a Apply To Principal Only Payment by a check that I made out each month along with the automatic payment coming out of my checking account. Everything was fine until XX/XX/XXXX. With this payment they only applied a portion of the principal to the loan and also took interest from the apply to principal only payment. I was able to resolve this issue quickly. 
Payment and extra Principal Payment were applied correctly until XXXX and again they tried to apply my separate principal payment to my monthly payment amount. This has been going on for several months and not getting corrected. I have called several time and have been told it would be taken care of. As of today XXXX it has not been resolved. They continue to apply my extra principal payment to the regular payment and take interest out of the apply to principal payment. I had a very long conversation with a lady named XXXX last night and got nowhere in fact she is telling me I am ahead on my payments. I asked her several times if they could correct the mistake and fix my principal payment. She is telling me if they do this I will be behind on my XXXX payment. This can not be. I have sent in 31 original and 27 apply to principal payment. How can I be behind if I request them to fix their mistake. This is just not acceptable. I want this fixed the proper way and without them telling me I will be behind on the payment. I can't be behind because a payment goes to them automatically each month. I manually send in the Apply To Principal Only payment clearly stated on the check and also the payment slip. THIS NEEDS TO BE FIXED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I have a new mortgage XX/XX/XXXX in the amount XXXX. 
The loan was sold and administered by a new agency ( Mr cooper ). I went to sign up for an account, I received foreclosure notices and debt collectors at my door stating I owed XXXX! 
The letters from Mr cooper state the loan was outstanding from XXXX. I have never had a loan, let a loan in XXXX. I am locked out of my payment portal, I have requested escalation and the only response is that I will receive a call back within XXXX business days. This has not happened.
Product: Debt collection

On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.
Product: Checking or savings account

XXXX XXXX my account was over drawn XXXX I didnt not have the funds in my account and I froze my card navy federal still pushed the transaction and charge me an overdraft fee and overdrafted my account and closed my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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

After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 

XXXX negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. 

As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within XXXX business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : CAPITAL ONE/WMT Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX/2019 Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX/2023, XXXX/XXXX/2023, XX/XX/XXXX/2023 XXXX XXXX XXXX- XX/XX/XXXX/2023, XXXX/XXXX/2023, XX/XX/XXXX/2023, XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX/2023, XX/XX/XXXX2023, XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XX/XX/XXXX/2023, XXXX/XXXX/2023 XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX - XXXX - XXXX/XXXX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX/2023 XXXX XXXX XXXX- XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXXXXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXXlease immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within XXXX business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Flagstar Bank began servicing my mortgage in XX/XX/2018 ( XXXX had previously serviced it ). In XX/XX/XXXX, they reviewed my escrow account and doubled the amount of mortgage insurance. I had been paying the same amount since the loan originated and there is no reason for it to increase, which they have acknowledged over the phone. However, my monthly statements now show a doubling of my mortgage insurance. 

I spent an hour on the phone and was passed from department to department. Escrow explained that it wasn't them but the PMI department. PMI noted that the insurer had not billed them regularly so some months they paid nothing and other months they paid double. I pointed out that I had been paying them monthly and there would be a credit in my escrow account to pay a doubled month. My documentation from the bank does not show when they pay a third party insurer -- it simply shows how much I pay for the insurance and it doubled in XX/XX/2018. 

One customer service representative told me that PMI occasionally resets annually to a new rate. Knowing this not to be the case, I requested documentation of the contract that states that. 

The case number Flagstar assigned for the escrow issue is XXXX. 

They are " researching '' the issue, but have yet to rectify the situation. This is being filed to document with CFPB and alert consumers in the event this is a systemic issue of overcharging and altering PMI of consumers.
Product: Credit reporting or other personal consumer reports

All of my active credit accounts have been missing from my Experian credit history ( whereas my full credit history is shown on XXXX and XXXX ). On their website I have no credit score and no credit history.

I tried to file a dispute, but I can't dispute information that is not on the report at all. I contacted the creditors and confirmed that they report my data to Experian. I called their customer support multiple times to resolve this issue. We confirmed that they have my correct personal information. The most recent suggestion from them was to manually upload my statements from each account. I did that and my credit history has not been updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
Product: Prepaid card

I bought a vanilla gift card on XX/XX/2024 in XXXX XXXX, but when I try to use it, it shows it's declined, and when I try to check the balance, I found out that all the fund in this card has been stolen. I called the customer service and opened a case with the company, and send all the documents via email, but the case was declined after 1 month without giving a legit reason.
Product: Money transfer, virtual currency, or money service

XXXX I Got An Alert From XXXX And Paypal Both Alerting Me There Was A Failed Transaction Of {$130.00}. I Called The Non-Emergency Police Line Instantly, And They Told Me To Make A Report Here.
Product: Debt collection

I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.