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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX XXXX || Date of XXXX
Product: Mortgage

Our mortgage company department of escrow services sent XXXX insurance a check for {$3800.00} on XX/XX/XXXX for our Homeowners Insurance Policy. Which paid our insurance bill in full and effectively securing insurance on our behalf for policy effective dates XX/XX/XXXX until XX/XX/XXXX. 

As of today XX/XX/XXXX we have received a statement from First Interstate Bank XXXX, MI XXXX regarding the fact that they have placed lender placed insurance on our home on our behalf as they have not received current insurance documents on our home. I did reach out to XXXX  as of today and they did confirm that the insurance was paid for out First Interstate Bank Escrow Services with check # XXXX on our behalf and that the current insurance policy documents were provided to First Interstate Bank Mortgage Services on or before XX/XX/XXXX. 

Why can First Interstate Bank communicate between branch to branch instead of harassing the consumer. It even clearly states on our Mortgage Statement dated XX/XX/XXXX that a total of {$6100.00} has been paid out of our escrow account on our behalf. Out of that total amount. {$2300.00} in taxes and {$3800.00} for insurance. Clearly our homeowners insurance policy was paid out of escrow account and XXXX sent the new policy information to the mortgage company. WHY is First Interstate Bank almost 3 months later now claiming to have placed lender placed insurance on our mortgage when we already had it paid on our behalf out of our escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Fraud. I filed a police report and attached it below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX  XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for anything in XXXX and XXXX!! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Equifax credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXXXXXX XXXX XXXX  Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX XXXX addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Please add New Employer : XXXX XXXX XXXX. Do not delete XXXX XXXX XXXX  Thank you for your time and help in this matter.
Product: Debt collection

15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the Metro 2 compliance. Provide me with Metro 2 compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Experian and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Two inquires And all student loan accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ss XXXX sub : request for account blocking and deletion due to data breach Dear TransUnion team, I am writing you formally requesting that the blockage and deletion all of accounts, inquiries associated with my personal information due to the recent data breach. XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). This request is made in accordance with several provisions of the fair crefit reporting act. 15 USC 1681c-2 ( a ), 15 USC 1681i , 15 USC 1681e ( b ) ,15 USC 1681g ( a ) ,15 USC 1681m,15 USC 1681n. please confirm these reciept of this letter and provide written confirmation of the action taken regarding my accounts. Additionally, i would appreciate an update on any measures you are implementing to protect my personal information. Thank you i look forward to you response XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

Excuse me for my Grammar and I'll be using XXXX to fix the basic mistakes. I have a XXXX XXXXXXXX. 

I became a member of Experian Credit Bureau. I pay {$24.00} each month to have them protect my identity. They are telling me false information for deleting my records from potential identity theft websites. Explain website told me that my information was removed on the XXXX of XX/XX/2022. The disclaimer told me it will take between 14 to 45 days after the removal. It has been about 45 days since. My information is still on the websites. 

I feel they are charging me too much money for Protecting My Identity when it will be false information.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} CHILDSUPPORT XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have repeatedly requested that extra payments I make on my loans go toward a specific loan and that I do not want extra payments to put me in " paid ahead '' status. 

I have asked via electronic message on their website ( three times, the first of which was in XX/XX/XXXX ), via phone ( twice, first time in XXXX or XX/XX/XXXX ), and letter via USPS ( twice, first time in XX/XX/XXXX ( I can only find a copy of the first letter, which is attached ). I never received any kind of response or confirmation to my electronic or USPS letters. On the phone, I was repeatedly given the run around ( the first call the person told me that she could not - as in, had no ability to - make any kind of notation on my account about extra payments ) ; on the second call, I was initially told the same thing, and also told that I shouldn't worry about it because ( a ) they would take care of extra payments in a way that was in my best interest, and ( b ) I could always, supposedly, have them retroactively redirect a payment if I was unhappy with how it was applied. By the end of that call, I believe, but am not positive, that the call taker confirmed that there was some kind of notation on my account instructing how to apply extra payments. 

This seemed to be working for a while, and my extra payments were finally going toward principle on the loan that I had specified. Two months ago, my payments were all the sudden being once again misapplied, and instead of going to principle I am now in the ( utterly deceptive ) " paid ahead '' status that I have specifically and repeatedly told them not to place me in. 

I truly can not believe how transparently fraudulent this loan provider is, and I do not know what to do at this point. Paying off my loans is incredibly stressful, and I do not have the time or the emotional energy to waste hours upon hours trying to force them to simply follow the clear instructions that I have given them.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 i sent transunion information regarding some late payment inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Product: Consumer Loan

the interest is astronomical and unethical this should not be allowed the interest is 400 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Product: Debt collection

Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.
Product: Credit card or prepaid card

CLAIM ID : XXXX and XXXX XX/XX/XXXX- Filed a fraud claim with Chase against XXXX charges XX/XX/XXXX- Fraud claim closed and I was made aware these charge came from my account XXXX XXXX Contacted XXXX by phone and learned charges were from " XXXX XXXX  '' XX/XX/XXXX - Emailed XXXX XXXX and got email claiming XXXX can do the refunds XX/XX/XXXX- XXXX attempted refunds . Several were successful but most error-ed out do to system issue XX/XX/XXXX - Opened a Dispute claim with Chase per XXXX recommendation XX/XX/XXXX - Chase Dispute can not dispute as it was not fraud. 
XX/XX/XXXX - File a complain and was assigned XXXX from Executive office XX/XX/XXXX. 3 Way called with XXXX Support : XXXX  and Executive office Chase : XXXX. XXXX asked XXXX to do a charge back. 
XX/XX/XXXX - Sent another email to Chase Dispute ( not Fraud department ) confirming both XXXX and XXXX XXXX  noting a refund can be done. 
XX/XX/XXXX - XXXX denied refund because it was not fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, XXXX, and Equifax. XXXX and XXXX and Equifax are not doing their job and are just verifying these accounts as accurate without really investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report from Equifax on XX/XX/XXXX online. I received back a message that they were not able to send it on line and I needed to call. I called and talked to two different representatives. I gave them extra information that they requested. They assured me there was not a problem with my Credit score and that they had looked at it. They then asked for further information which I provided. They then said they would send the credit report by mail and I would receive it within 7 to10 days. I received onXX/XX/XXXXand XX/XX/XXXX letters with a XX/XX/2021 date : each with a form I was requested to send back in order to get my Credit report. No Credit Report was included! The letter and form had the title " XXXX '' with address to send to at XXXX. XXXX XXXX XXXX GA XXXX. The " XXXX XXXX XXXX  Request Form '' asset that it be sent to XXXX XXXX XXXX  Request Service. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This to me is an unacceptable response to a simple request for an annual credit report. Is there some scam involved? I need to know!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear XXXX Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : 1. XXXX XXXX XXXX XXXX. / XXXX This Accounts are not mine, and I have taken steps to report this identity XXXX to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far, none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form 1099-c ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company EQUIFAX All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts with XXXX XXXX XXXX that show in collections on my experian reports were just updated instead of being deleted. I contacted XXXX XXXX XXXX and we both agreed to a pay to delete for the two accounts. I submitted this information to experian, proof of payment, letters from the company agreeing to remove the debt because it was paid and experian has only updated the balance of the collections not removed them from my credit file. I want them removed immediately.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.
Product: Credit reporting or other personal consumer reports

Experian starts the week lying about another complaint by saying there STILL WORKING ON THE ISSUE which is a lie they are stalling
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.
Product: Credit reporting or other personal consumer reports

I settled an account with XXXX XXXXXXXX. They reported it and all the credit bureau didnt remove or up date my credit report and score.
Product: Checking or savings account

on XX/XX/year> - I withdrew {$500.00} cash from XXXX XXXX atm. I went next door to Truist bank to open a savings account. I gave the lady at Truist my information to open said account with the cash. Then I received XXXX letters in the mail dated XX/XX/XXXX stating the account was closed due to suspicious activity. So I called the number provided on the letter to find out what exactly was going on. They state the deposit I made was under investigation. I then called back XX/XX/year> to find out when I would get my funds back and it was advised that it would not be returned due to confirmed fraudulent funds.