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

For the past couple of months, someone has been using my information to apply for credit and loans, all of which appear on my credit reports. After speaking with the Experian fraud department- which I was only able to reach after calling 5 times - I placed a fraud alert with all XXXX credit reporting agencies. Despite this, multiple hard and soft inquiries were added to my credit report ( XXXX ). At this point, I used Experian to place a credit freeze. 

On XX/XX/XXXX, ( the same day another hard inquiry was reported on my account ), I received an email notice from Experian that my account information had been updated. I did not make these changes. Indeed, someone was able to change the email and phone number associated with my account, so I am no longer able to log in. With access to my account, the assailant is able to lift my freeze and fraud alerts, and continues to apply for credit. 

Experian 's security issues have caused my direct financial harm and requires significant time to repair. Each attempt to contact the fraud department takes at least 5 tries, and I don't have time to do that on a now-monthly basis. I am now delaying plans to apply for a mortgage because of this issue. The fact that their higher-level security monitoring is only available with purchase is unfair, especially considering the credit agencies determine so much of our lives. With evidence of extensive fraud attempts linked to my identity, they should not have allowed this to happen. My credit score has dropped over XXXX points, which has been detrimental to my life plans.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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 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: Payday loan

i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. 
My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. 
I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. 
I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. 
They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. 
I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. 

I printed the documents but my printer was not working right. 
i had to wait till the next day to ask my daughter to print them out. 
That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! 

None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. 

I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. 
I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. 
NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. 

This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. 
I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. 
I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! 
I am hoping you can investigate and help me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has 2 parts : XXXX XXXX XXXX split our family account into two separate accounts. Payments made were applied only to one account while the other grew delinquent. Then *both* accounts were sent to Rocky Mountain Recovery with a fee added. To me, its illogical that family accounts would be separated, its more illogical that both accounts were sent to collections despite payments being made to one. Theyre either the same account or separate, which is it? 

We paid this ~ {$1800.00} down from XX/XX/XXXX- XX/XX/XXXX, it is now paid off. 

The other part is the not my problem mentality I am getting from the medical and collection company. Ive contacted the doctors office and they claim they can do nothing and I need to contact collections. I contact collections and they repeat the same ignorant line with out giving a logical explanation Its our company policy not to remove items from credit reports ; I feel it is just laziness. 

I have fully paid what I feel is an incorrect debt from the doctors office and now I just want the items expunged from my credit report as it is affecting my financing options. I want someone to take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I certainly requested my free annual credit reports from the three major credit bureaus, XXXX, Equifax and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX  Why are they tracking my movements for such a long time on my credit file?
Product: Credit reporting

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Product: Debt collection

I have never lived in these apartments they are collecting on. I called the apartments directly and drove down there to get a copy of the lease and i.d of the person who signed the lease and she said I had to talk to the collection company. I have called them maybe 12 times over the last 3 years and they are no help. I tried telling them that it was identity theft and that I never lived there, the man told me to pay or stop calling and the lady hing up on me. I asked for validation/proof 5 times, they have yet to send any letters or emails. I called one last time before sending this in and got no answer. I looked up the company and all the reviews are like this.
Product: Mortgage

Subject : Wells Fargo lawsuit just issued. 

Hi, I am a single XXXX year old lady. I am not sure of the date but I had a credit score of XXXX in XXXX - XXXX and I was renting my home out to keep it. I fell one month late and Wells Fargo started foreclosure. I begged for help. They were mean and not helpful and moved quickly to foreclose. At one point I finally reached out to family who gave me the {$4000.00} to stop the foreclosure. Wells Fargo said it was too late. The loan was perhaps {$160000.00} or XXXX. I had {$40000.00} in equity and was doing all I could do to hang on to my home. I had never been late with any kind of payment before in my entire life. I ended up homeless and because of having no where to live had to file bankruptcy which was quite traumatic to say the least. 

My children purchased a condo 6 years later in XXXX for me to live in. Three months after I moved in XXXX, the money their father left them in XXXX XXXX went up in smoke and the condo was worth half what they paid. They had no money to pay for it. I am doing every thing I can to stay on top. My credit score is up around XXXX. I just applied for a job as a XXXX in the XXXX. 


Is there anyway I can be included in this suit? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I put in a report to the bank that my wallet was lost and that the funds from my bank account was taken put in a report and i was told it would take up to 10 days for them to do their investigation before they could give me a credit on my account. Not taken to account that i have bills that need to be paid. I was told by a bank person that they never refund any money to anyone that this happens to the banks name is TD bank and that i can just kiss my money good by I AM REPORTING THIS BANK BECAUSE WHEN I OPEN THIS ACCOUNT I WAS TOLD I WAS PROTECTED AGAINST FRAUD 100 PERCENT this is not the case XXXX WAS TAKEN FROM MY ACCOUNT. I do not know what to do at this point. I need your help on helping me get my money back the account number is XXXX XXXX XXXX XXXX XXXX XXXX  Again I spoke to the bank and i have gotten no where. I do not think is fairfor the bank to tell me that I THERE NOTHING CAN DO ABOUT THIS AND THAT my hard earned money is gone. Please help me in this matter ... ... ....
Product: Credit card

I have just noticed an inquiry on my credit report with XXXX from Macys placed on XXXX XXXX. This inquiry was never done by me nor have i authorized it. I have not applied for credit in over 4 years so this was certainly not authorized by me. Please investigate this and remove it as i do not even have cards with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day! I am writing to you guys due to some collection accounts that I never opened that are reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX  - {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened a new personal checking account online with Truist Bank on XX/XX/. My next payday was XX/XX/ & my boss doesn't do direct deposit, so we all get payroll checks. Mine was {$1400.00} & I did a mobile deposit on it since it was offered. A separate box popped up notifying me that my funds would not be available for 1-2 business days, but then I received an email saying a hold was placed until the following Wed XX/XX/XXXX XXXX XXXX I received a letter in the mail from the bank stating that Truist found it necessary to block my acct due to suspicious and/or unusual activity. They blocked me from it without notifying me beforehand & I was unable to withdraw funds prior. I've called multiple times & have been given the runaround. I made calls on XX/XX/24, XX/XX/24, and XX/XX/24 & on this day I was told the acct was set to reopen/unblock on the XXXX. I called on XX/XX/24 & was told my payroll has cleared, but the account was still blocked & under review & again no one was willing or able to explain the hold/block nor tell me when it would get unblocked. I was told to call back on XX/XX/24 for another update, I did this morning at XXXX XXXX & was yet again told the same thing. I even asked to speak to an analyst about my case & she informed me that she couldn't give me a release date & to call back in another SEVEN business days or to try on Monday XX/XX/24. I have XXXX kids at home and one of them is an XXXX & I do not have access to my money from my payroll check from the XXXX XXXX XXXX  I need to buy groceries, pay my electric & water bill & get gas to get myself to work & school and no one can help me. I've already called Truist Bank Customer Service, again, to file a complaint & am now filing one here. My next stop will be to my local news stations. I have XXXX funds on me as I'm typing this. I need access to my account asap. I've only had a few transactions with this account & those were to pay previous bills. They sent me a debit card and I'm not even sure why since they blocked the account from me accessing it. I can't even walk into the local branch to withdraw funds due to the block. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
Product: Mortgage

I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. 
I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. 
We need answers. Can someone please review our initial mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to see if I was able to successfully freeze my credit score with Experian and XXXX and have not been able to reach a representative on the phone with XXXX. At Experian they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and Experian account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Jefferson capital to dispute an account that they are reporting on my credit report. I used the address they provided to the credit reporting agencies and the letter got returned to me due to incorrect address. ( I have included proof of the letter, the returned letter, and the address showing off the credit report ) Which is an FCRA violation to knowingly provide incorrect contact information.

I did try to forward the letter to the address that was on the returned envelope, but the postal service stated that it wasn't a valid address.

ALSO- they violated FDCPA- because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the credit report showing the account.