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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

MB Fin Services is showing lates on my account that should not even exist. I see also a repo that didn't even happen? Please remove it.
Product: Checking or savings account

I called Ally Bank because my debit card that I requested to be ordered on XX/XX/XXXX never arrived. I called ally bank again on XX/XX/XXXX and the customer service representative told me they will have my account reviewed by a senior specialist and they will call me back within 2 business days. Well little to my surprise that ally locked and froze my account for I can not log in and check my accounts and statements. I called them back and they said theres nothing they can do but only wait for a senior specialist to call me back within 2 business days. Its already been 3 and I havent received any calls! This is a horrible method for them to do. I understand locking and freezing an account is one thing but to just sit and wait for them to unfreeze it at their expense is absolutely ridiculous! They have really poor customer service! When my account gets unfrozen whenever that may be I will be taking all of my money out to another bank and closing my ally account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent at least XXXX written requests to Experian to update my personal information to only include the current address where I live. I specifically asked them to remove all other addresses from my consumer report and they failed to do so. I also called several times, and the issue still remains. I downloaded my credit report last night and there are still 10 addresses listed on my credit report where I can not be reached. 

Please see attachments
Product: Vehicle loan or lease

Non fault car accident occurred which totaled the vehicle. Requested for ally to rewrite contract on XX/XX/XXXX, 2 days after the car accident because it was deemed a total loss. Ally never responded nor provided me with a the info to rewrite my contract. Continued to car charge my account over XXXX XXXX after several request to have my contract rewritten.
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX XXXX  stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I started an account with XXXX XXXX on XX/XX/XXXX and before anything I canceled it before I had to pay. It had a balance of {$490.00} and I didnt need it and it shouldnt be on my report at all. The account is closed and it says no information is on the account so it shouldnt even be on it. I dont have that account.
Product: Credit card or prepaid card

Even though I have fallen prey to credit card interest rates and learned my lesson and paid all off, Capital One is continually seeking to loan me money by reaching out through the U.S Post Office. The last letter I received has my personal information and targeted marketing to me personally claiming this- " We recently reviewed your credit information and designed an offer that we believe is the right one for you-right now ''. I never gave them permission to review my credit information or design an offer. This appears to be a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/2024 I sent a debt validation letter to XXXXXX/XX/XXXX as well as XXXX, XXXX, and Experian. I didn't receive a response back from XX/XX/XXXX and the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration with the ongoing delays and lack of proper communication regarding my request for a credit report from Clarity Services XXXX XXXX, a part of Experian. I initially requested my credit report on XXXX XXXX, XXXX, and since then, I have been met with continuous stalling tactics and incomplete responses. I sent in certified mail on XX/XX/year> asking that my personal information be updated and you have failed to do this as well. 

Most recently, I received a letter from your office stating that you require identification documents that I have already submitted multiple times. In fact, I have provided all requested documents, including proof of identity, yet I still have not received my full credit report. Instead, I was sent only my credit scorehow is it that you were able to verify my identity sufficiently to provide my score, but not my complete report? This inconsistency is unacceptable and raises serious concerns about the handling of my personal information. 

This has gone on far too long, and your continued failure to provide the necessary documents is not only inconvenient but also legally questionable. Under the XXXX XXXX XXXX XXXX ( FCRA ) **, I am entitled to receive my credit report in a timely manner, and your lack of response is in direct violation of those rights. 

I demand that my full credit report be provided to me immediately, along with a clear explanation of how my identity was verified to release my score but not the full report. I also demand that my personal information be updated to the following : Name : XXXX XXXX XXXX ( all other names need to be removed immediately because they are not mine and they are fraudulent ) Address : XXXX XXXX XXXX, XXXX, AL XXXX ( all other addresses are incorrect and need to be removed immediately. I have never lived at those addresses, and they do not belong to me ) phone number : please delete any phone numbers you have associated with my account as they are incorrect. 

employer : XXXX XXXX XXXX XXXX ( delete any other employers as they are inaccurate ) You are enabling identity theft and not upholding your responsibility to provide me my credit report or maintain an accurate credit report for me. This issue has dragged on long enough, and I expect prompt action to resolve it.
Product: Mortgage

I was originally on a COVID forbearance plan. I was able to resume payments. I went back and forth with LoanCare regarding the COVID-19 Advance Loan Modification ( ALM ) that I should have been eligible to receive. I had received a letter that I would be eligible for that but then all of a sudden it changed and they did something else, raising my payment instead of lowering it. Every time I try and call, I can not get through and no call back. And no response to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XXXX XXXX
Product: Debt collection

This XXXX XXXX XXXX XXXX XXXX litigating firm left a voice mail to call them on an intent to collect. I was going to try and work with them but the document they sent me looked fraudulent, the zip code stated is from XXXX, CA. The number search is from XXXX. I checked the maps and business is not located anywhere with the address and I checked Better Business Bureau and there was no listing for the law firm. They did not provide me with any type of documents from their client. So basically it was just a phone conversation and a document with no amount owed, which they wanted {$3000.00}. The debt is from 2001, which I also mention that this debt is 20 years old. Plus I dont remember this. So I need more information, evidence of debt.
Product: Mortgage

I am the executor on the home after losing a family member. I cancelled the homeowners policy with XXXX insurance in early XXXX and obtained my own policy with XXXX at that time. My agent sent information to Mr. Cooper mortgage company with a verified correct address. I noticed that the escrow payment had increased slightly so I did not realize there was an issue until I received a letter stating that my policy had been cancelled due to nonpayment. I checked my mortgage payment again and the escrow payment had increased SIGNIFICANTLY. I contacted my insurance and they stated that the mortgage co never paid out on my policy and it was cancelled. XXXX  was also refusing to rewrite my policy because now there has been a lapse in coverage. Mr Cooper ( mortgage co ) informed me that they paid out the policy in early XXXX and the reason for the escrow increase was that the escrow analysis likely reflected the costs of the old policy because it was done shortly after the change. My escrow payment has more than doubled by the way. My insurance agent informed me after doing some digging that Mr Cooper paid out on my family members policy that had been cancelled. He also stated that he reached out to Mr Cooper numerous times with no response due to the non payment on the updated policy. Currently I have no homeowners because I can not get rewritten with that company and now other companies want a high payment due to the lapse. Even without an active insurance being paid out my escrow, my payment went from about XXXX to almost XXXX a month for overall mortgage/escrow payment. In addition, XXXX cashed the check for the policy that had been cancelled, and now refuses to refund the money in a manner that I can cash the check. They will only write it out to my family members estate and I can not cash that check until I open an estate account solely to cash that 1 check because there is no other reason for me to open one. This means I will have to obtain an XXXX and pay inheritance tax on money that that came out of my own checking account that I have been paying on this home/escrow for over a year now. This seems unethical and is making it very difficult for me to afford things. None of these mistakes were my doing yet I am the only one suffering the consequences.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXXXXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXXXXXX XXXX complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX, Transunion , XXXX Re : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Transunion XXXX XXXX, XXXX Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Transunion Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act.

Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions.

Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Product: Debt collection

Debt Recovery Solutions gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money. I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Vehicle loan or lease

I received letter from XXXX around XX/XX/2023 stating I had to start making my payments to them. I understand that they are not a financial institution and based off my contract with XXXX XXXX  it suppose to be with a financial institution but I needed my car so I continued to pay them because they were repossessing people cars. I just paid them off which was around {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having child support on my credit is a violation of FCRA and XXXX and XXXX have both removed it from my credit. Equifax has refused to remove it from my credit report and I have filed a lawsuit against them and I will continue to proceed if it isn't removed promptly.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payment be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

I disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not updated my scores since XX/XX/2021, even though all companies have reported changes and corrections to them. I contacted TransUnion and they stated they have 60 days to update however, it has been 60 days and they still have not updated anything. Theyre noncooperation is hindering me from beginning the home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.