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

I have contacted the following companies numerous times XXXX, TransUnion, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.
Product: Debt collection

I recently complained to you about XXXX billing me for charges unknown to me. I asked them to send me a detailed statement on what the charges were for with date of service, what my insurance paid and a copy of the signed contract for the date of service. They never responded to this request and instead sent me to XXXX XXXX collection agency. I contacted you regarding this matter and thankfully things were cleared up and the collection agency closed my account. Well I got a letter from a different collection agency that XXXX XXXX is trying to collect on. They are also trying to bill me a separate {$75.00} late fee. I have no idea why they keep doing this to me. I always payed the dental office what they said my portion was. They wo n't even work on you until they verify insurance coverage ad you sign a contract on what you owe. There were times I waited almost 2 hours in the chair because of their billing methods. I am angered and outraged that company is so disorganized and wo n't leave me alone. I do n't owe them ANYTHING yet they say I do but will not submit the proof I have been asking for.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX requirements. 

The inaccurate entry is as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : XXXX. XXXX Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX XXXX XXXX outline specific requirements for the reporting of consumer credit information. I believe that the creditor XXXX have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by TransUnion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my TransUnion credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by TransUnion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my TransUnion credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX XXXXXXXX XXXX reported late payments on my consumer reports in XX/XX/XXXX ; XXXX, XXXX, XXXX, and XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I never gave XXXX XXXX XXXXXXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my personal information and did n't let me know. I had to search the website myself tofind out my identity was stolen.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Product: Consumer Loan

A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage lender XXXX went bankrupt effective XXXX/XXXX/20. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XXXX 2020, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, Experian, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Product: Credit reporting or other personal consumer reports

Data breach inclu

ding hard inquiries on my credit report that resulted in identity theft. Law 15 U.S.C 1681N
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have XXXX have always had XXXX ( Government Insurance XXXX and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Pursuant to 15 U.S.C 1692g I have requested validation of debt on XX/XX/2022, certified mail with a green return receipt and on XX/XX/2022 I received correspondence back with what supposed to be validation that I owed Midland Bank an alleged debt. I only received a contract and statements in their response to my request. However Pursuant to 15 U.S.C 1692g ( a ) ( 4 ) Midland Bank did not satisfy the minimum requirements for a valid request. The information provide does not consist with the list of things congress said should be provide to a consumer to validate any alleged debt. Midland is attempting to collect on a debt without sufficient evidence that this alleged debt is owed to them by me, and in attempting to collect this alleged debt they have violated my rights as a federally protected consumer Under the FDCPA as well as the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Checking or savings account

I'm currently a XXXX  school student in XXXX. I received an unusual activity report and when i went to check noticed that my account had been virtually wiped out with thousands of dollars in transactions. These transactions ranged from XXXX XXXX, to a number of states up and down the eastern seaboard. 

After filing with dispute Bank of America rejected the claim saying it was me. To counter that, I provided evidence that I was in XXXX - I had a doctors appointment during the disputed period and provided the uncensored post appointment writeup - as well as billing statements from my XXXX school indicating that the balance of money in that account was to make an upcoming payment to the school. 

Despite this fact, and that I clearly could not have been in XXXX and at my doctor in XXXX on the same day - Bank of America has again denied the claim with insufficient reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I initiated a dispute claim to Transunion in reference to accounts and inquiries on my consumer credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). I did not give expressed written consent to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Transunion for using my information to furnish items on my report without my consent. These items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent three notices to Transunion since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent repeated letters to XXXX/Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.
Product: Credit card

Comenitybank/Victoria Why did they closed my account when it was paid in full and keep report it to the credit bureau.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Its my understand that you will recheck these items with the creditor who has posted them, Please remove any. information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.
Product: Credit reporting or other personal consumer reports

the credit reporting agency is not updating my reports for several months, and this is currently preventing me from pursuing living advantages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Lobel financing. I was paying them payments and one point. They continue to do a charge off even when i was paying. I recently been working on my credit so i asked them if i can settle pay and delete. We settled for XXXX. They continue to post a balance of XXXX. Ive lost a lot of points since then. It looks like they have put that balance to 0 but how do i get the lost points back? Also, its still showing, not deleted.
Product: Mortgage

At this point, I have filed a claim with my Owner 's Title Insurance Police at XXXX XXXX, I have paid for a reinstatement quote to the servicer XXXX and I have complained to XXXX 's department of errors and omissions, as well as filing a complaint with the NC Commissioner of Banks about the original documents from this loan. 

The bottom line of this is : The Deed of Trust is not valid. It's missing dates, seals and signatures and the attorney for the trustee has filed several notices after the fact indicating they are registering a Corrective Notary Affidavit, and an additional satisfaction of the loan. However, they keep sending the home loan, not registered with XXXX, through the courts for foreclosure proceedings non-judicially. 

I can not refinance the home, sell the home or otherwise do anything with the title trail they have made. They ( the trustee ) are insistent they are correct that they have the right to sell the home and that all of the banks and lawyers and insurance folks are incorrect that my deed of trust is invalid. Aside from just paying a retainer to a lawyer, how do I find out who is correct that the deed of trust is valid according to XXXX XXXX 's loan requirements and state and federal law or not? 

On the last page, my signature is not present. The notary also forgot to date the acknowledgement or verification. My signature is undated and unsealed elsewhere in the document but not on the same page as the notary among other errors. What government agency can look at this and tell me what to do other than what I have done above to clear this up because the expense of getting a lawyer involved is something I am willing to do but I just reinstated this loan that had a balance of XXXX with a payment of XXXX. I still owe XXXX on the loan according to paperwork that could be correct. It's been lingering in foreclosure for years because of paperwork errors but I would like to know who can assist me with determining if there was a problem. Thanks in advance. 

I will gladly share the documents, address, etc and my information upon contact. I'm not even sure who my specific complaint is with whether it's the originating bank, one of the three servicing companies that were involved, the first successive lender or the current lender or the trustee?
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL GIVEN NAMES THAT DONT SHOW ON MY STATE ISSUED ID XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE ALL ADDRESSES THAT DONT SHOW ON MY STATE ISSUED ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I have received many calls for several months now for a debt that does not belong to me. I have informed this company on ALL occasions, that I do n't know that person and that I have had my cell phone number for over 10 years. Since XXXX XXXX 2016 I have received 7 calls alone. 3 of those calls were hang ups, 3 were answered with me telling them again to stop calling because I do not know the person they are trying to reach. And I received another call again today. I filed a complaint on their website and now I 'm reaching out to you.