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

The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 7 ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX Account # XXXX Inquiries : -XXXX XXXX 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

I am filing a complaint regarding an inaccurate late payment reported by XXXX ( XXXX XXXX ) on my credit report. This late payment is reflected on my Experian credit report under the following account details : Late Payment Reported : 1 late payment reported in XXXX  Despite my consistent on-time payments, this late payment was reported incorrectly. I have contacted Experian directly to dispute the error, but the issue remains unresolved. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information in credit reports. This information is inaccurate, and I have provided supporting documentation to show that the payment was made on time. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or unverifiable after a reinvestigation, it must be removed or corrected by the credit bureau. Experian has not corrected this error after I initiated a dispute. 
15 U.S.C. 1666b : A creditor ( XXXX ) may not treat a payment as late unless reasonable procedures are in place to ensure the billing statement is delivered no later than 21 days before the payment due date. XXXX has not provided any proof that these procedures were followed. 
Impact : The erroneous late payment on my credit report has caused significant harm to my credit score, affecting my ability to secure credit on favorable terms. Additionally, the stress and XXXX  caused by this error have impacted my well-being, as this incorrect information reflects negatively on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file a dispute with TransUnion for fraudulent inquiries on my credit report. I could not dispute online therefore I called them. The lady on the phone said that I needed a letter from those who inquired. I informed her that I do not know who they are to contact them. She said that TransUnion does not assist with the dispute without a letter from the creditor. I told her again these were inquiries that I did not authorize and do not know the entity reporting. I have since put a freeze on my account which I've done several times but they seem to get through. Even with XXXX XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DENIED CREDIT DUE TO XXXX XXXX, EQUIFAX, AND XXXX CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Product: Debt collection

I had contact the office by phone more than XXXX time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be XXXX by them XXXX more time? 

We are all having a difficult time with This XXXX pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more XXXX XXXX XXXX
Product: Checking or savings account

Two different accounts were created in my name without my consent. A citibank account and mulitple accounts at XXXX. These accounts were opened within the last two months of 2021. I've reported these accounts as fraudulent as I am a victim of identity theft.
Product: Credit card

My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

my taxes were garnished without me receiving any notices or phone calls about going into default. i got one email XX/XX/2019 saying my balance was due.i no longer can log into that email, i assume i would beg a call or something if my account was being taken into default nobody reached out to be a payment. Then i have loans on there that i havent even used. And a refund on there i did not receive. this is really ridiculous and i am now trying to figure out how to get my money back because i have XXXX   small kids and no money. a part time job, doing XXXX  and XXXX XXXXs on the side so i can pay my expensive rent. to put me in an offset but NEVER MAIL A LETTER IS COMPLETELY OBTUSE
Product: Credit reporting or other personal consumer reports

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. 
Account name : XXXX XXXX XXXX Account name:XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX Account name : XXXX XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also my middle name is missing apostrophe on all documents.
Product: Debt collection

Hi KINGSTON DATA AND CREDIT INTERNATIONAL INC. ; ( XXXX XXXX XXXXXXXX MA ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Vehicle loan or lease

US Auto sale Service was the original lender of my contract they closed due to unpaid taxes and was forced to closed business. They sold their company to Westlake Portfolio Management which attempted to start a new contract with me instead of providing the original contract so that I can negotiate new terms and agreements. I sent an affidavit and notice of truth to this company certified mail to be contacted within 14 business days regarding this issue. They unlawfully put my car up for repossession with out me ever signing a contract with them or giving me a balance owed on the vehicle. I sent documents to retrieve the original contract 4 times via certified mail with no response in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. They have now repossessed my vehicle in which they are not the lien holders today on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my Follow-up to make sure that the disputed items in my credit report are deleted entirely for they are fraudulent and erroneous. Kindly delete the following items : 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

FEBDESTINY used my social security number for an unknown request, dated XX/XX/year>. 

I have sent certified letters to the bureau in regards to the inquiry and I was unable to satisfy theyre requirements.
Product: Credit card or prepaid card

On Sunday XX/XX/2021 at XXXX XXXX I received a call from my bank Current stating that someone in Texas was trying to charge {$500.00} to my card from a XXXX. We verified information and I thought my account was safe after that. I got a deposit in my account on Tuesday, XX/XX/2021 at XXXX XXXX And then on the same day Tuesday, XX/XX/2021 at XXXX XXXX Someone had hacked into my account and sent {$320.00} to a person that I dont even know. I am immediately contacted Current to try and get this matter resolved. I put in a dispute for the charge and waited 24 hours only to find out that They will not be refunding my money due to someone hacking into my account and authorizing a payment to be sent to the user by the name of XXXX XXXX. I am at a loss for words I am not able to speak with anybody over the phone it is all done over chat and I am being spun down a rabbit hole. Ive had no help whatsoever and most likely will not be getting my money back. This is very upsetting because I havent even gotten a confirmation as to whether or not any further payments will be taken out of my account. I have not gotten any confirmation that any security measures have been taken to even make sure this will not happen again. 
I am submitting a complaint against the bank called Current. 
I am submitting this complaint for myself.
Product: Credit card

I was notified by Capital One that an application for a credit card has been submitted and was under review, when I had not applied for any credit card or service. I also received notifications from my credit monitoring service that a hard inquiry was posted to my report. I called Capital One and they cancelled the application. I also started an initial fraud alert through XXXX and opened a dispute. They recommend I reach out to FTC.gov to file a police report, which then brought me here since it was credit card related.
Product: Debt collection

I have previously tried to write letters to have derogatory information removed from my credit report and this company has not removed it. The debt does not belong to me. It is impacting my credit score and prohibiting me from being approved for a home loan.
Product: Mortgage

Corelogic sent an escrow mortgage payment for my XXXX loan to pay for my XXXX XXXX taxes on XXXX for the amount of {$1000.00}. This is for my XXXX and XXXX taxes. Even though the XXXX tracking number shows that the check was delivered, the payment was NOT received and the check was never cashed. I am trying to get Corelogic to reissue this check to pay for my XXXX and XXXX XXXX taxes. Because Corelogic has not listened to my request, these taxes are now delinquent and past due. I need Corelogic to send a new check, HOWEVER THE AMOUNT DUE IS NOW DIFFERENT SINCE IT IS PAST DUE. THE NEW AMOUNT OWED IS {$1100.00}. I should not be responsible for this late payment since Corelogic has not handled my request after I have called in dozens of times over the past month. The new check needs to be made payable to " XXXX of XXXX ''. It needs sent to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. My block/lot number of XXXX needs to be on the check. 

If you are calling XXXX XXXX XXXX to confirm if my taxes are paid, YOU NEED TO REFERENCE THAT THIS IS FOR XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called today checking on my free credit report : - Equifax mailed it to the wrong address! 
Why will they not update my file with my current address? Equifax today stated they can't do this, '' update my address '' - but I have letters from them stating they will mail me at my correct and current address. - they even mailed me two letters about this stating it was acceptable. Today I was told to go to XXXX - It doesn't work for my IP number and the CS rep. knows this. 

I spoke with Equifax on XX/XX/XXXX and said it would be mailed out to me at my XXXX address. What a liar! Today I was told it was mailed to my last old Colorado address which is 14 years old and not valid. Please recall this mail back to Equifax and send it to my current address. Conf. # XXXX. 
I have sent Equifax - My CO  and XXXX Dr . lic., my XXXX electric bill, IRS letter with ss # and XXXX address, a 1099 with my XXXX address, my SS card and a copy of Equifax 's letter to me with my XXXX address. Every month, my creditor mails a statement to Equifax with my XXXX address on it. it is obvious they disregard it. 

Today I spoke with CS, I was told that my current address was only entered as a personal statement in my report. It could not be enter as my address and they refuse to mail my credit report to me, even though their letters were mailed to me at my XXXX address and were required to be scanned and faxed back to Equifax with my ID data.
Product: Mortgage

i got behind on my mortgage payments during covid 19 but was lucky enought to come up with the money need ed to get my mortgage current in XXXX of this year and made two payments totally over XXXX dollars to freedom mortgage in two separate payments, i have been talking with the company about the missing payments and sent proof of payment to them two separate times and yet my mortgage still shows delinquent and i can not seem to get any traction to get the problem fixed. just seem to get the run around and they have promised to get it taken care of for weeks, but after countless phone conversations i have decided to up the ante.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received certified mail no. XXXX requesting that they retrieve the police report documentation from the XXXX XXXX police department report XXXX pertaining to the XXXX accounts. I have contacted the XXXX XXXX XXXX police department and they confirmed Experian never retrieved any documentation pertaining the fraud cause in regards to the XXXX. Instead Experian continues to report these accounts that were involved in fraud anyways. I demanded that is is their repsonbilltiy to retrieved the police reports under the law for them to do so and they have continued to do investigations without the police reports. They have failed to do 100 % accurate and 100 % verifiable investigation in regards to these XXXX accounts. I certified in my letters that I was the one writing my letters. They continue to not remove these fraudulent accounts from my credit profile. I am requesting for them to do business in good faith and remove these accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Product: Credit card or prepaid card

Hello CFPB I am writing about my account with citibank. My account was closed due to inactivity but i never notified or informed that it will be closed. This is my oldest account since 2012 i really can not lose this account because it will have significant effect to my credit overall. Please intervene to reopen my account. Thank you
Product: Credit reporting or other personal consumer reports

**Dispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : 1. XXXX  - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 2. XXXX XXXXXXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX  XXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I learned that Equifax experienced a security breach resulting in the exposure of the personal and financial information of 143 million Americans. In addition, the free one year credit monitoring that they offer as a result contains an arbitration agreement disqualifying any victims that use the product from participating in class action lawsuits. Lastly, when I place a credit freeze on my Equifax credit report, the security pin that I receive is simply a time stamp of when I signed up, making it easy for my pin to be hacked. All of the above is unacceptable, especially given that Equifax uses our personal information without consent and without an option to opt out, and then uses our personal information as its product, on which it makes a profit.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX  XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.
Product: Mortgage

SLS uploaded their Broker 's Price Opinion on XX/XX/XXXX stating that our home was valued at {$510000.00} after we paid for a new appraisal to have the PMI for this property removed. That means we have over {$110000.00} of equity versus the current loan amount of {$390000.00}, which results in well over 20 % of equity in relation to both the current loan and original purchase price. We have the regulatory right to have the PMI removed. 

However, just two days later on XX/XX/XXXX SLS did a new escrow analysis saying they expected us to pay PMI for another year. 

The process of having this PMI removed has been onerous and taking months, including having to battle against the lender just to have the appraisal done in the first place.
Product: Debt collection

I did not have the money at the time, but do now and would like to resolve this debt
Product: Credit card or prepaid card

I never authorized PayPal to open and then close a account. This has caused my score to drop by 50. Please correct
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX