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

I recently discovered that my credit report contains incorrect personal information, which have led to the appearance of unknown and inaccurate accounts. I am a victim of identity theft, and my information was fraudulently used, resulting in accounts that I have never been associated with. As instructed by TransUnion, I filed an FTC report and submitted it, yet these fraudulent items remain on my report.
Product: Credit card or prepaid card

License Number : Address : XXXX XXXX XXXX City : XXXX XXXX XXXX : TX XXXX XXXX : XXXX Phone Number : ( XXXX ) XXXX Person dealt with : Rep XXXX transfered to Supervisor Email Address : XXXX Complaint : I am a customer of the Institution. My Payment due date is the 16th of every month. 

I reached out to the institution spoke to Representative whos name is XXXX, then transferred to Supervisor. I unfortunately I did not get his name, Needless to say he couldn't or wouldn't work with me. He stated that neither he nor I was at fault for the delay in mail delivery, but I will still be penalized. No If and or buts. 

I also inquired if whether their Covid 19 relief that they offed could help being that USPS struggles are likely due to the pandemic. He responded No. 

I have always paid above minimum, XXXX XXXX. 
I have used my credit union bill pay service for more than 15years, NEVER have I had this issue EVER with any other accounts I have set up for my Bill pay send auto payment to XXXX XXXX XXXX on the 5th of the month! Again My check is mailed on the 5th on any given month. 

Being that I am XXXX, on a fixed low income, which is deposited on the 2nd of every month, I really cant mail it any earlier than the 3rd of every month.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Debt collection

I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ 2,500- {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the BK dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AN # XXXX, XXXX, XXXX XXXX AND XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AN # XXXX, XXXX, XXXX XXXX AND XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card or prepaid card

In XXXX, I attended a wedding in XXXX at an all-inclusive resort. I paid for a double occupancy room. When we arrived, we were charged an additional {$140.00} for the second person even though the room was prepaid. After the wedding, the wedding planner tried to resolved the issue with the hotel. They said I needed to provide my full credit card number and information via email. I was not willing to provide the number over regular email ( not secure email ). Instead, I disputed the charge through my credit card company. Even though the hotel had already admitted that a refund was owed, they provided information showing I was there and therefore the disputed amount was not returned to me. With no other options available, I just stopped using the credit card. Recently ( letter dated XX/XX/XXXX ), I received another letter from Synchrony Bank asking about this charge and if I felt the inquiry was handled correctly. Obviously it was not. When I called the phone number provided, it reaches Synchrony Bank but is disconnected.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX, Acct ending in XXXX
Product: Credit reporting or other personal consumer reports

I did NOT ASK FOR ANY INVESTIGATION A COMPLAINT was filed XXXX XX/XX/XXXX for FCRA VIOLATION. I asked EQUIFAX to provide me ( the consumer ) my written consent to sell my personal information to a third party. They has failed to provide that information. THEY HAVE NONE. Again, I HAVE A RIGHT TO PRIVACY. EQUIFAX is willfully exercising deceptive means by responding to conduct a investigation that was NOT asked of them to DEFLECT their Violation. THEY ARE IN VIOLATION. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance IN ADDITION TO, XXXX have deleted ( BOTH ) XXXX XXXX XXXX from my consumer report XX/XX/XXXX and Equifax has continued unlawfully reporting the accounts despite being provided XXXX Investigation results showing the deletion. EQUIFAX has repeatedly violated 15 USC 1681 with respect to their reporting on my consumer report. 

EQUIFAX BEEN PUT ON NOTICE. I look forward to seeking Counsel for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I googled how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXgelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

On XXXX, XXXX, we refinanced our home mortgage. Our old mortgage was with Caliber Home Loans. The main reason we left Caliber Homes was due to their handling of our Escrow account and their poor customer service. In XX/XX/XXXX, they informed us that our payment would be increased due to a shortage in our escrow account. When we tried contacting them, we were on hold for almost an hour. I requested a callback on the phone and through their website. I never received a callback. So I called back, and held for another 30 minutes. When I finally spoke with someone, they told me they would request a new escrow analysis. After several weeks, I received a new statement amount that was to go into effect XX/XX/XXXX. I paid my old normal XX/XX/XXXX payment on time based on our statement dated XXXX assuming that the new amount would be for XXXX. On XX/XX/XXXX, I received a statement saying that I was being charged a late fee and that I was in default. I immediately called and was told I was short in my XXXX payment by {$29.00} because of the new escrow amount. I explained that I never received any notification that the new payment was affective for XXXX. They forgave the late fee and applied my payment. I then received a revised statement dated XX/XX/XXXX for XX/XX/XXXX payment for the increased amount. That statement shows my escrow account balance of {$1800.00}. All payments from the account occur in XXXX. When we refinanced with XXXX XXXX, I stated that I thought the payoff amount was incorrect due to them not applying my XXXX payment. I was told by my attorney that they would reconcile the amount and send me any difference in the payoff amount. I received a check dated XX/XX/XXXX for {$1300.00} with no explanation. I called to ask for a reconciliation of my account. The customer representative said she could not get and explanation for the shortage. I asked to speak with a supervisor and was informed that someone would contact me but not until XX/XX/XXXX because all supervisors were on other calls. I called again this am ( waiting 15 min on hold ) and was told someone would be in touch within 48hrs. I am requesting a reconciliation of the payoff amount and the escrow amount that is {$500.00} short of the check amount. I was told I need to wait for someone to contact me because the customer representative could not find out why there was a transfer of this amount out of my escrow account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not authorize any of these inquiries, and I am requesting their immediate removal. 

Below are the inquiries I am disputing : 1. XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate and unauthorized inquiries. Additionally, Section 604 of the FCRA requires that no entity may access my credit file without a permissible purpose and my explicit consent.

I have contacted your offices twice by phone, and I was incorrectly informed that these inquiries could not be disputed. This information is false and represents a violation of my rights under federal law.

Therefore, I am demanding that you : 1. Immediately remove these unauthorized inquiries from my credit report.

2. Provide documentation proving that I authorized each of these inquiries.

If you can not provide such documentation, these inquiries must be deleted as required by law.

Please investigate this matter and respond to me in writing within 30 days of receipt of this letter, as required by the FCRA. 

Attached to this letter are copies of my government-issued ID and proof of address for identity verification. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This collection Co seem to be a fake Co. ( Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX ) the notice say this debit is for a traffic violation in ( XXXX ) I have not been to XXXX and i no know one in XXXX - but this have gotten my info from somewhere and reported to the CB I will not call them nore will I write them or give them any more info then they already have to de-fraud me more or to use my info in any fraudulent way!
Product: Mortgage

They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my credit reports with Equifax and XXXX. I am a victim of XXXX XXXX, and as a result of my victimization, negative information was reported on my credit report. I have already contacted XXXX, and they promptly removed the negative information after I provided them with documentation to support my claim. However, despite my efforts, Equifax and XXXX have refused to remove this negative information from my reports, and I am seeking your assistance in resolving this matter. 

The negative information on my credit reports is the result of fraudulent activity during the period I was XXXX. I have submitted documents to both Equifax and XXXX, including self attestation letter with my case workers information followed by any personal information for myself that was needed and account info of negative items to show that I was a victim of XXXX XXXX. Despite this, they have not responded appropriately to my dispute or removed the fraudulent information. 

XXXX acted quickly and removed the negative items from my report after I provided these documents, but Equifax and XXXX have failed to do so. I am requesting that these two credit bureaus review my case, remove the negative items from my credit report, and correct any inaccurate information that was reported as a result of my victimization. 

I have made every effort to resolve this issue directly with Equifax and XXXX, but have not received a satisfactory resolution. I am asking the CFPB to help ensure that these credit bureaus take the necessary steps to correct my credit reports, in accordance with the Fair Credit Reporting Act, and to ensure my rights as a victim of XXXX are respected. 

Thank you for your assistance.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX, I received a message from Goldman Sachs for the Apple card stating I was denied due to them being unable to verify my identity. After talking to a customer service representative they still couldn't help me with verifying My identity. After trying countless of times. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.
Product: Mortgage

My husband passed away in XXXX. He had a reversed mortgage on our house - I was not old enough at the time to be put on the mortgage. After he passed away I contacted the mortgage company and found out they had a new program called the " non-borrowing spouse '' program where, if I qualified, I could remain in the house. I did all the required paperwork, they kept asking for more all the time dragging it out. They have put a foreclosure on the house and I need that action stopped until this issue can be resolved. I called the mortgage company weekly to get an update and was always told it was in the review stage and that they needed additional information. I immediately faxed all required documents - they probably have XXXX or XXXX copies of everything. When I called them on XXXX/XXXX/15 XXXX told me that I had been denied because I had n't had everything to them within the 120 day requirement. At no time was I told that I had 120 days to get all of this done. Actually everything was to them within that time limit but they are the one 's that kept asking for more and more. They also said that I would have a letter from HUD stating that I was denied within 10 days and I have never received a letter from HUD stating this.
Product: Debt collection

I have sent a formal request for this company to cease and desist contacting me by phone per the FDCPA. They continue to call me and my wife.I have asked for a formal debt validation and all I received was a letter that said "send payment in full today." That's it.Not only was this letter not the validation I requested but it was also from Mr XXXX XXXX whom was very abusive to my wife over the phone when she was trying to figure what the debt was on her credit report because it is not hers, the debt it is apparently mine.There was no contract for either of us. We had full coverage insurance and all deductibles and coinsurances were met for that year so that's why I have continued to ask for a debt validation.Cease and desist letters as well as debt validation requests have all been ignored.After filing a complaint the very abusive Mr XXXX XXXX called and proceeded to act very unprofessional towards my spouse. And has now sent a collection letter with some sort of demand without any explanation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

My family agreed on a lease on XX/XX/XXXX, a security deposit of {$900.00} was made through XXXX XXXX and on XX/XX/XXXX a first months rent of {$1000.00} was also transferred using XXXX XXXX XXXX  with Zelle to the individual that we hours later found out was scamming us into the lease and is not the actual owner of the home. We can not reverse the payments made without the scammers agreement which of course he will not make.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX, XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.