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

Ive tried again contact with XXXX  XXXX XXXX and Experian Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX  Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXXXXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).   The lender as of  XXXX / XXXX /  XXXX   has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for  XXXX / XXXX /  XXXX   -
Product: Debt collection

XXXX XXXX XXXX   representing XXXX XXXX deleted negative information on my credit because they had no supporting documentation that I owed the debt, then Diversified Consultants bought the account and has repetitively sent correspondence demanding payment for the same debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 DIVERSIFIED CONSULTANTS {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. It's XX/XX/2021 and I have yet to receive an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to get information on my report. XXXX works for Equifax and did an absolute job of telling me nothing besides how to sign up for fraud protection. 
Repeating the same thing over. 
I am trying to pay and clear some of these items on my report but I got no where with XXXX who he said was his name. 
His tone is hard to understand and just made me feel awkward and didnt point me to any solution. 
I made this call on XX/XX/XXXX at XXXX Mtn time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The account below should be deleted from y file : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

PLEASE THESE FRAUDULENT HARD INQUIRIES ARE NOT MINE. THESE SHOULD BE REMOVE AND COMPLETELY BLOCK FROM MY REPORT
Product: Credit reporting or other personal consumer reports

Someone purchased a home with my social. Someone opened credit cards in my name. I was notified of a data breach.
Product: Credit card

I signed up for a new credit card with Commerce bank, largely due to an advertised welcome bonus of {$200.00} cash back, as long as I spent {$1000.00} within the first three months. After receiving the card and activating it, I called Commerce bank to confirm the terms of the bonus, because the offer itself is not included in any of the disclosures, nor is there any sort of tracking or visibility of progress toward earning the bonus within their online banking website. Speaking to a customer service agent, he told me that I needed to spend all of the {$1000.00} on or before XXXX XXXX in order to earn the bonus. I took him at his word, since that was a little less than three months from the activation date. 

After completing the task of spending {$1000.00} by XX/XX/XXXX, I patiently waited to receive the bonus. When it still had not appeared after almost three months, I called customer service. I spoke with multiple agents, both of whom clearly had no visibility into whether the bonus had been earned, and strugled to total up the spending on my statements manually. Finally, the second agent agreed that it appeared that I had in fact earned the welcome bonus, and that she would escalate the issue to the appropriate team, and assured me that she would be calling me back shortly. I never heard from her again. 

I spent additional money that I did not need to in order to fulfill the terms of this bonus as they were described to me by an agent of the company. There was, to my knowledge, no other way for me to access the detailed terms of this bonus. The terms were, unfortunately, not honored.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : Date Opened Discrepancy : XXXX reports the account as opened on XX/XX/scrub>, 2023. 
XXXX reports it as opened on XX/XX/year>2023. 
XXXX reports it as opened on XX/XX/year>2023. 
Date Closed Discrepancy : XXXX lists the account as closed on XX/XX/year>2023. 
XXXX does not list a closing date. 
XXXX does not list a closing date and reports the account as current. 
Credit Limit Discrepancy : XXXX reports a {$200.00} credit limit. 
XXXX reports a {$200.00} credit limit. 
XXXX does not report a credit limit. 
Last Reported Date Discrepancy : XXXX lists XX/XX/year>2023 as the last reported date. 
XXXX lists XX/XX/scrub> 2023 as the last reported date. 
XXXX lists XXXX XXXX, 2023 as the last reported date. 
Account Status Discrepancy : XXXX and XXXX report the account as 60 days delinquent. 
XXXX reports the account as current. 
Account Past Due Discrepancy : XXXX and XXXX report 60 Days Delinquent with {$0.00} past due. 
XXXX lists the account as current with {$0.00} past due.
Product: Debt collection

In XXXX or XX/XX/XXXX I received letter from MCM collection company that it says I owe {$26000.00}. 
I contactact them it is an unknown account and I don't owe any credit card company 's money. 

After that call, they send me the documents that XXXXXXXX XXXX total amount of I owed in XXXX and Judgement documents. 
And XX/XX/XXXX They sent me a another letter that they had reinvestigated but I still have to pay for which is that I don't agree. 
What can I provide to them to clear this dept charge? 
I don't even received any statement from XXXX XXXX before. 
I don't have anything to provide to them. 
This must be a frouded account.
Product: Payday loan, title loan, personal loan, or advance loan

I tried contacting them for my issue but hasnt responded nor have given me any type of closure or resolution as interest accrues. I cant pay off this loan now.
Product: Mortgage

I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.
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  XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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 an 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.
Product: Credit card or prepaid card

During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.
Product: Debt collection

In XX/XX/XXXX, I noticed my XXXX credit score had dropped. After running my credit report, I found a collection was placed on there for {$180.00} from XX/XX/XXXX. I had seen this XXXX in XX/XX/XXXX, but had prepaid for my procedure. I was never contacted by them about an additional amount due. I have also never been contacted by the collection agency about the collection placed on my credit report. My address has stayed the same since the collection was placed and my phone number has never changed. I do not believe this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked on my credit report and saw I have XXXX new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except 1, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't XXXX  XXXX XXXX because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off my credit report.
Product: Debt collection

In XX/XX/XXXX, I became homeless and had to cancel my car insurance. I notified the agent at XXXX, XXXX XXXX, but they still charged another month. It went to collection for {$51.00}. 

I am not disputing the validity of the debt, and the debt is not paid. ( That was the only option I could choose that made sense on the complaint form. ) However, the original date of delinquency was almost 8 years ago. It should be removed from my credit report per the FCRA. I mailed a dispute form to XXXX about six weeks ago, after getting a copy of my credit report from XXXX I got a reply from XXXX on XX/XX/XXXX. It does not address my dispute, and I believe does not honor my rights under the FCRA to remove negative information after 7 years. 

I've attached a scanned copy of the relevant pages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : 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 Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My last hardship application filed in XX/XX/XXXXXXXX  expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance. 

Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX  stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that... 

" Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''. 

The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage. 

I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application. 

It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer. 

According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.