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

I sumbitted a complaint over 30 days ago about fraudulent activity on my credit report. It truly hurts that my rights under the FCRA are being violated. These accounts have destroyed my report. I can't do anything without my credit. Please help me in fixing this issue. I am resubmitting this complaint to the CFPB in hopes that something can be done. Section 605 b of the FCRA clearly states that fraudulent items must be blocked and removed from the credit report within 4 business days. I have not received any correspondence from your company as to why these accounts remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes over the years with XXXX, XXXX, and Experian to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Product: Debt collection

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. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : TCM of Mississippi account ending in XXXX. However, they stated everything was complete and accurate. TCM of Mississippi account ending in XXXX keeps showing up on my credit report. I have contacted them and the original creditor ( XXXX  XXXX ) about this stating that this debt is not mine and it's probably fraud/identity theft. I have asked them to send any kind of paperwork during all info on this and haven't received anything. I have filed a police report against TCM of Mississippi and XXXX  XXXX. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. I have filed a complaint against this company for quite a while. This is fraud. I have never had an account with the original creditor. This is hindering me from getting approved for credit.
Product: Mortgage

immediately after closing on our house, our mortgage was sold to a mortgage servicer ( Planet Home Lending, ) a year into paying our mortgage, PHL sent a letter w/ the mortgage statement saying that we needed to pay {$340.00} more than our mortgage payment because our escrow was short. We paid it & then the next month, we got the same letter w/ the statement asking for another {$340.00} for the same reason, we paid it. The next month the letter w/ the statement asked for {$290.00} over our normal payment. We paid it. The month after that, we received a letter stating that our new monthly payment would be {$1300.00} as opposed to our payment we normally paid which was {$1200.00}. Being that I was a XXXX XXXX XXXX  myself, I caught the error, I could tell that when they were estimating the taxes, they looked at the previous year. The previous year the house was owned by an investor so the taxes were over double what we pay with our homestead exemption. I called them and spoke to customer service and explained what I believed had happened as well as sending them the actual tax bill for the current year showing much less than what their letter stated the taxes would be & they told me they would do an escrow analysis & get back to me. The responded that their analysis showed that they were correct & we would have to pay {$1300.00} from then on. Even though I still knew they were wrong, we went ahead and paid what they asked because we didn't have time to fight them over it. After over paying our mortgage for over a year, I finally had enough & I went through and created a spreadsheet showing their statements, our payments, the escrows etc ... my spreadsheet showed very clearly they were over charging. I sent it to the VP of finance. Within a month she sent us a letter stating : " At this time we are reviewing the loan to ensure a thorough response, upon completion of our research, we will respond to your inquiry within any timelines required by applicable law or regulation. '' That letter was dated XX/XX/XXXX and today is XX/XX/XXXX and we still have not heard from anyone. They did however drop our mortgage payment back down to where it originated and actually {$3.00} less, yet they follow that up by saying we'll have to pay {$45.00} more the month after that. Still no explanation, apology or reimbursement for the {$980.00} they over charged for the 1st 3 months they miscalculated our taxes/escrow or the {$84.00} a month they over charged for over a year. I tried to contact the VP that wrote the letter saying she'd look into it, she said I would have to contact customer service & customer service refused to speak to me. I tried calling them 3 times today & each time after being on hold for a while their end hung up on me. I have the spreadsheet, their letter and all our mortgage statements and escrow information available if you'd like to seem them. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX account that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting or other personal consumer reports

These inquires should be removed as I did not authorize them to pull my credit and they do not have written authorization. Immediately! 
Certainly! Here 's a formatted list of the items you provided : 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 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 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 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

Car Financial Services is committing Identity Theft, pursuant to 15 USC 1681 ( q ) ( 3 ) by continuously fraudulently reporting to XXXX, XXXX and XXXX, regarding my contract agreement with XXXX XXXX. 

I spoke with XXXX XXXX and XXXX XXXX, via phone, at the XXXX XXXX for Car Financial Services, on XX/XX/, regarding the unlawful reporting by Car Financial Services. I informed both employees that not only was Car Financial Services unlawfully reporting on my credit profile, but reporting TWICE for the same car loan. XXXX XXXX XXXX cited what they believed would be on the contract, as the foundation for the continued Identity Theft, stating that the clause in the box at the top of the contract allowed XXXX XXXX to transfer the contract to an " Assignee. '' I informed both, XXXX XXXX XXXX, that the contract proves that XXXX XXXX is also the " XXXX '' on the contract, not just the seller. XXXX XXXX XXXX cited the fact that the file had been returned to XXXX XXXX due to alleged incomplete payments being made for the vehicle, and XXXX XXXX allegedly paying off the vehicle on my behalf. 

I was contacted by someone purported to be XXXX XXXX XXXX, a legal representative for Car Financial Services. XXXX informed me of the same information as the previous Car Financial Services representatives : that the contract with XXXX XXXX authorized the credit reporting by Car Financial Services and, the contract and payment history are the only available information the company currently has, after returning the file to XXXX XXXX. I, again, informed the Car Financial Services rep that in accordance with 15 USC 1681 the company only had 3o days to prove authorization existed. Car Financial Services still has not and can not produce the demanded documentation, and has refused to act lawfully by ceasing to report the unverifiable derogatory information attached to my current credit profile. 

I filed a previous CFPB complaint for Improper Use of a Credit Report, regarding Car Financial Services ' unlawful unauthorized and duplicate reporting to the the credit reporting bureaus. This complaint resulted in Car Financial Services removing the account showing no derogatory history, but continuing to falsely, and without authorization, report the second alleged account with a negative unverified payment history. 

I have filed and attached a Federal Trade Commission complaint for Identity Theft and an investigation into possible securities fraud regarding the securitization of my identifying information without proper authorization. 

I will also be filing a SEC complaint regarding the same possible issues regarding securities.
Product: Credit reporting or other personal consumer reports

XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all XXXX bureaus. 
XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account. 

2 ) Closed Date is all wrong between all 3 bureaus. 
XXXX XXXX Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX Equifax XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

3 ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXXXXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, but the credit agencies are refused to update and remove the inaccurates information and accounts from my reports.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and negatively impacting my financial standing.

I have diligently followed the established dispute resolution process, submitting identity theft affidavits, police reports, and additional supporting documentation to substantiate the inaccuracies in my credit report. Regrettably, these efforts have not yielded the desired results, and the fraudulent items remain unresolved.

The persistence of these inaccuracies is not only affecting my creditworthiness but is also causing considerable hardship in my attempts to secure credit, obtain favorable interest rates, and manage my overall financial well-being.

I request an immediate and thorough investigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and providing a clear plan of action to address and correct the fraudulent items.

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted FST XXXX
Product: Payday loan, title loan, personal loan, or advance loan

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX  Transaction Date : XX/XX/2024 Amount Paid : {$2.00} XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX  I requested for the payment to go just to my principal balance. They told me that it can't be done and charge me interest even though I am ahead on my monthly payments. The interest charge was 9.9 % I was charged me {$93.00} Interest. I want that {$93.00} applied to my principal. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$770.00} XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX, AUTO XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I had all 3 CRAs add a an extended fraud alert onto my credit file. At that time, I had both cell number and resident landline. Approximately over 3 years ago, I cancelled my landline and requested the 3 CRAs to correct the phone number listed on my fraud alert to only reflect my cell number. Equifax only accepts changes to the fraud alert in writing so I had to write to them to get it corrected both times. I believe I requested this change in XX/XX/XXXX and again in XX/XX/XXXX but whenever I check my credit report with them, I would see a second number showing on my fraud alert. When I recently signed up for the product they are offering due to the recent breach into their database through XXXX, I also checked my credit report and found a second phone number again showing on my fraud alert. I have been trying to call Equifax since approximately XX/XX/XXXX but I have been unable to get through their line. I only have time during my lunch break to call them and their hold time is more than 15 minutes ( that is if the line is not busy ). When I tried calling them after I get off work, their office is already closed. I tried calling several times a day but I have been unable to talk to anyone. The 2nd number that is showing on my fraud alert is XXXX. I want to know how a second number got added to my fraud alert since I have requested twice already to only have my cell number on it.
Product: Credit card or prepaid card

Purchased a service through a vendor called XXXX. Was over charged for the service according to the price advertised for a similar service in the contractors reviews. The vendor would not give me a refund or adjustment, so I disputed the transaction on XX/XX/XXXX. Per the vendor, I had to wait until the charges actually posted on my credit card. Contacted the vendor on XX/XX/XXXX after the transaction posted. 

So far, the dispute is unresolved. I have received several letters from Chase bank that have conflicting information. The first letter advised that I needed to provide the same information that I provided on the dispute form online. The second letter advised that I did not need to send information. A third letter stated that the charge was legitimate, however, the dispute is still outstanding. 

I work in the mortgage industry, and am trained in recognizing fraud. The letters all appear to have varying font sizes, different nomenclature for the representatives signature, and one letter has " Page 2 '' on the back on the first page. Appears to have been printed off of a personal inkjet printer. 

Also sent a message to Chase via their secure message center on XX/XX/XXXX asking for a status and timeline for completion. Did not get any specifics. Typically a dispute does not take this long, it's approaching 90 days and I do not feel as though the charge is valid for the service provided. 

The amount is {$200.00}
Product: Credit reporting or other personal consumer reports

I am writing in reference to my XXXX XXXX Account, I was a wireless customer for 9 years with your company until it became extremely expensive to maintain so I switch services to a competitor for far less money and more savings. I ported my phone to my new provider in which I paid the amount leftover and I had no idea that I would still have a balance due. I have explained to the collections team my account was sold to that I was not able to due financial difficulties, in XXXX of XXXX XXXX 's XXXXXXXX XXXX XXXX XXXXXXXX reported my account to the credit bureaus before I had a chance to pay and I sent a stipulation with the agreed amount of {$94.00} to be paid in full along with being removed off my credit report due to the collections being accurately reported and I understand that but I have been homeless along with unemployed for almost two years. I was denied unemployment along with no financial assistance from my family as they cut ties with me for being XXXX and my so called friends wanted me as a wallet only. I have been evicted from my home, lost my car, sleeping on street corners, shelters, motels with vouchers and vacant places so I can shower daily. I have a vast understanding of how the credit system works but I have no assistance, I have not had steady income or employment since XXXX of XXXX, I have worked since I was XXXX XXXX XXXX and now I am struggling with my mental health along my finances. I have never asked for anything but I am asking that XXXX IMMEDIATELY removes this ACCOUNT from my credit reports immediately and/OR THOSE XXXXXXXX XXXX XXXX XXXX WILL ALSO PAY ME {$150000.00}! OR THEY WILL XXXX SUED!!!