23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced a mortgage held by BSI Financial Services. My loan escrow company requested a payoff statement on XX/XX/2020 from BSI but the payoff department did not respond until XX/XX/2020. The payoff statement sent was not accurate as it did not consider a XX/XX/2020 payment I made which was posted to my account and available to the payoff department prior to sending the inaccurate statement to escrow. A corrected payoff statement was immediately requested by telephone but was not received until XX/XX/2020. The delay resulted in my having to pay an additional amount of interest to BSI than I should have. In addition, a fee for extending the loan process was charged.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my personal information on my credit report below are addresses that do not belong to me. Please find the details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Employer Information : Employer Name : The XXXX Group Please update the information in my credit file as requested above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and Transunion. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Product: Debt collection

This debt is not a valid debt it is past the statue of limitations, I spoke with a representative back in XX/XX/XXXX and they explained to me that I owe them over {$500.00} and they said that they would take me to court If I didn't pay. I told them that that this debt is past the limit of being a valid debt according to the statues of limitations. It was a payday loan from XX/XX/2011. Also, I have used that payday loan service since that debt charge-off. They said that openly admitted to the debt, this is valid but not a case that can be handled by XXXX county small claims court, or any other court for that matter. My work received a call today and asked my manager if I was prosecutable or something of that nature and left a number for me to call with a case number XXXX, XXXX. I called the number and it went to a answering machine telling me to leave my Name, reference number and number to call me back stating it was their " legal department. '' Also they called my mother the same day leaving the same message telling her that they had try to call me several times, fiction. I have not spoke to anyone since early XX/XX/XXXX about this and before that was unaware that the debt still was floating around. It isa n't on my credit report and I faintly recollect the debt and uncertain it is even a legitimate accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to Equifax and try to dispute on XXXX. XXXX  said it was sent. Some how it's still showing on my report. How do I get this off?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain my free annual credit report from XXXX, Experian and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX  XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So I moved transferred my cable service XXXX never transferred the account to another address. I paid the final bill and they turned it over to collection who in turned reported inaccurate info to my credit bureau and I owed them nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : I was looking over my TransUnion list of hard inquiries and found a number of errors. I have tried to get assistance over the phone, was told inaccurate/illegal things - and then they had the nerve to try and sell me products and services over the phone!! 

I've never signed ANY agreement or permission to pull my credit report with ANY of these companies!! 
I followed this up with a certified letter, I have enclosed their response : -No validation -No investigation -No detailed reporting of whom with each hard inquiry they reached out to and what was the finding Under both the FCRA and the FDCPA this is blatant illegality!! 

Please enforce the law and demand that they be made compliant!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account MACY'S/DSNB Opened XX/XX/XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Checking or savings account

I am a XXXX XXXX XXXX My commissions are paid by the XXXX XXXX The month XXXX I had deposited my checks. At the end of the month, they all were taken away AFTER being cleared and flagged for a scam. I got all checks verified except for one. They dont want to a verify a {$7000.00} check because the title company does not have a registered number with chase. The CEO of XXXX XXXX XXXX does not know what this means. I have provided documents, and cleared paperwork on the side of XXXX XXXX XXXX they do not want to take any of it I have been struggling to get my money. Please help.
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and XXXX.
Product: Credit reporting or other personal consumer reports

This communication serves as a follow-up to my previous complaint. As a victim of fraudulent activity, I am hereby requesting the expedited removal of certain items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This statute requires the deletion of such entries no later than four business days after XX/XX/XXXX. I have previously addressed this issue in my correspondence and an FTC report, now underscored by a newly submitted FTC XXXX XXXX XXXX The continued presence of these items, which remain unfamiliar to me and have been removed by other bureaus, casts doubt on their legitimacy. Listed below are the details of the items in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice, while a follow-up, is also a formal complaint. Should these items not be removed, I am prepared to initiate legal proceedings. My legal counsel is fully aware of my intentions and stands ready to pursue litigation in response to your noncompliance. I am issuing this as a renewed request for the eradication of entries linked to alleged fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to open a checking account on XX/XX/19 I became aware that XXXX XXXX has an account on my report, or somewhere in their system, of someone with a completely different name than me opening an account at XXXX XXXX XXXX XXXX. This discrepancy caused my application to be rejected. I ordered a report from XXXX that day because I was told by a XXXX employee that this was the only way I could talk with someone that could help me resolve the error. I received the report about two weeks later. I could not find any mention of the erroneous account on my copy of the report, so I called the XXXX  phone number on the report. The person I spoke with said they could see the XXXX XXXX XXXX XXXX account with my social and a different name, and that I would need to fax my social security card to them to prove I'm me. I do not want to do this. I do not trust them. I do not have very convenient access to a fax machine. Lastly, I do not want to do their job for them. I have had difficulty contacting and communicating with XXXX. They have been an awful and difficult company to deal with. It is clear to me that I am just cattle to them and not their customer. It would seem to be a simple, common sense matter for their database to flag or not allow two different names to be attached to one social.
Product: Credit card

I opened an Apple Card in early XXXX using my own Apple ID and added it to my Apple Wallet on my XXXX, then subsequently purchased new phones for my daughter and myself. After setting up our new phones, somehow my Apple Card got assigned to my daughter 's new Apple ID, I no longer have access to my own credit card in my Apple Wallet nor am I able to access the account to make payments. I have to have my daughter do it on her phone. 

I called Apple Card Support at XXXX on Thursday, XX/XX/2025 at XXXXXX/XX/XXXX PST, and requested they rectify this. Their response, even after escalating to a supervisor on the first contact, and a manager who called me back on Thursday, XX/XX/, 2025 at XXXX XX/XX/XXXX PST, is that they can not update the Apple ID and I will have to close the account and re-open a new account. 

They clearly do not care about consumers ' and the impact to their credit history by requiring a newly opened account be closed, then re-opened with another hard credit inquiry hit on the consumers ' credit report and impact to their credit score.
Product: Credit reporting or other personal consumer reports

Back in late XXXX of XXXX, I noticed an auto loan on my credit report. This is not mine, nor do I own a car with financing from XXXX XXXX. I always buy my vehicles with cash, and own them outright. THIS IS NOT MINE. 
I have reached out to XXXX 5 times now, and each time I receive the attached form letter back in the mail. 
I am at my wits end with trying to resolve this. 
Any suggestions on how I can get this removed from my personal credit reports?
Product: Credit reporting or other personal consumer reports

Account - XXXX XXXX Bankruptcy number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to my 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been furnished on my consumer reports without my authorization or consent without my knowledge. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Mortgage

I refinanced my XXXX XXXX mortgage with Top Flite Financial recently. Top Flite requested a payoff, XXXX sent it, and Top Flight paid. I received my disbursement, and now XXXX is saying that {$1300.00} is still owed. 

This is money that should have went to me, and should not have been paid out, and certainly not owed. 

I would like that {$1300.00} refunded to me, as the payoff conversation occurred between these two companies, I should not be penalized by one of their mistakes. I am supposed to start paying Top Flite, but yet XXXX says I still owe, how can this be?
Product: Mortgage

To whom it may concern, SPS I did all I know to do to resolve this issue, I went to my lender got help per divorce degree I was given one year to get the mortgage out of my ex-husband 's name. My modified loan was given to me on my income I have been with XXXX staff for 11 years, The bank required my divorce papers to let me continue with my modification I started with only my income and the payments were done off of that, My ex-husband would have never qualified he makes XXXX to XXXX, I have done everything the bank asked, he quick deeded his interest I pay the taxes I am the only one since XX/XX/XXXX who has tried to take care of this, At this moment NV is flooding my house has water up to the subfloors for 15 yrs I kept flood insurance, since I 'm unable to get homeowners insurance and I 'm unable to continue with a modification that was illegally canceled per court order I 'm left again me and my house held hostage by my servicer, I had no idea a bank or a servicer did not need to obey a court order from the state of NV. I will go get my divorce papers modified, my ex-husband will be held liable for going against the court order and for my servicer I have never turned my back on you or my mortgage, I just never knew a servicer did not need to follow the same law as I do. I am sorry we could not fix this sooner. I will write to my NV congressman and ask why judges write such orders in divorce and servicers and lenders do not need to obey the laws that all of us in America half to obey or go to jail. I never stopped trying to fix this mess I could have done so years ago why no one from SPS or XXXX told me about what my ex-husband had done with our mortgage I would have fixed it please understand my frustration. 
XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX  + Banks XXXX XXXX : XXXX XXXX XXXX + Finance/Personal XXXX Inquiry : XXXXXXXX XXXX XXXX  credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law. I am also a victim of data breach with XXXX and i have attached proof as well
Product: Mortgage

I am trying to refinance my home and it is eligible as a XXXX refinance. The existing mortgage has mortgage insurance. So, the new harp refinance must carry the existing MI. The Existing MI company is XXXX and they are no longer in business and they have indicated the policy has been canceled 1 month after my loan was originated. When I call my servicers they transfer me around for hours with out providing me any answers to whom the current MI provider is so that I can complete my refinance. My current servicer is Seterus.
Product: Credit reporting or other personal consumer reports

I am demanding the proper contact info for the legal agent who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.
Product: Vehicle loan or lease

I bought a car from XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX went out of business and sold my loan to a XXXX  party person but I did not sign a contract with a XXXX  party person so I'm trying to figure out what legal matters I can take against XXXX XXXXXXXX XXXX because it put me in a financial behind because the car broke down and I couldn't afford to get it fixed because I was trying to keep paying them so I wouldn't fall behind but I kept falling behind I'm still at the same amount that I basically originally started with I was just like for them to settle this case because I still owe over {$12000.00} on a XXXX XXXX XXXX it looks like the more I pay the more it go up and I've had this car for over XXXX  years and I still owe this much money that's not right this is a upside down car and I am really trying to get out of it
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, another loan account with XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, another loan account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, and an auto loan with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX. 
Additionally, the unauthorized hard inquiries that must be removed include : Prestige Fin ( XXXX 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 XXXXXXXX. XXXX, XXXX ). I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.