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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : EDFINANCIAL Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$3500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE!!!!!!!!!! 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' ATTACHMENTS XXXX ( XXXXXXXX XXXX  )
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the 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 XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Multiple calls daily since XX/XX/2021. Ive even sent an certified letter to them to stop calling me and theyre still calling!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency Transunion. I filed a CFP complaint previously and consumer credit agency Transunion responded on XX/XX/XXXX. Consumer credit agency Transunion stated that they sent the letter to creditor XXXX XXXX XXXXXXXX to verify the accuracy of the information sent. Creditor XXXX XXXX XXXXXXXX responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did Transunion blatantly disregard my rights and allow this account by the XXXX XXXX XXXXXXXX to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Transunion failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights Transunion please stop violating my right I will have no other juice but to take legal action against you Transunion and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dont verify the inaccurate information on this account or preform a proper investigation with this dispute because the last date reported XX/XX/20 has never changed in the serval months I have dispute this inaccurate information. I have disputed this inaccurate account multiple times over the past serval months and the last date reported has never changed which shows that this account was never verified or investigated. Because the last date reported never changed on any of my disputed credit reports this is a violation of the FCRA requirements. 

Experian has a grave responsibility to preform a proper investigation with this dispute and the last date reported should change each time the account is disputed, which it dont charge on any report with this dispute. 

I have attached proof documentation directly from the credit report showing the date of XX/XX/20 which is over a year since this date has not changed. The last date reported has not changed on any credit report I have received while this account has been disputed the last few months. This is a violation of the FCRA requirements. 

I am keeping very good records of all communications with this dispute in case I need to litigate this account with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses reporting on my credit that do not belong to me. Please remove these addresses from my credit report. I have attached documentation to confirm my address. I only want one address reporting on my credit.
Product: Debt collection

reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you
Product: Student loan

I filed chapter XXXX bankruptcy last year. My private loan was listed as debt, discharged due to my circumstances at the time. I had the debt removed from my credit report only to have it reappear 18 months later and Navient attempting to restart payments. I have disputed it to have it removed and they continue to try to collect, calling multiple times per day, send mail and now reports to credit. I called them and notified them that it was discharged and they refused to do anything.
Product: Mortgage

My mortgage was transferred to Mr. Cooper from XXXX XXXX  effective XX/XX/2022. I made an electronic payment for {$1400.00} through my bank to Mr. Cooper on this date, yet Mr. Cooper claims they did not receive it. 
I alerted my bank on XX/XX/2022, and they opened a case with Mr. Cooper since they have proof of payment. I also emailed Mr. Cooper about this, using the address the Mr. Cooper rep gave to me on XX/XX/XXXX, when the bank, Mr. Cooper, and I were on a three-way call to try to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$730.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my wife and I applied for a reverse mortgage with American Advisors Group ( AAG ). The application was taken in our home by AAG representative XXXX XXXX ( NMLS ID XXXX ). On XX/XX/XXXX we completed the home counseling with XXXX XXXX as a prerequisite to the loan application. We received a U.S. Department of Housing " Certificate of HECM Counseling '' ( Certificate Number XXXX ) signed by XXXX XXXX   XXXX XXXX. On XX/XX/XXXX our home was appraised at a market value of {$680000.00}. The appraiser was XXXX XXXX XXXX, XXXX ( License No.XXXX ). We paid for both " counseling '' and appraisal and had no issue with the individual or company involved.

Our file was assigned to AAG processor XXXX XXXX on, or about, XX/XX/XXXX. I sent Mr. XXXX all requested documents including bank statements, retirement documents and tax returns and he confirmed receipt on XX/XX/XXXX. At some point between XX/XX/XXXX and XXXX Mr. XXXX resigned or was terminated. The loan reassigned to XXXX XXXX. Documents I had submitted to Mr. XXXX were lost and had to be resubmitted. I wrote a letter stating my concerns and spoke to AAG Divisional Manager, XXXX XXXX, On XX/XX/XXXX I received an email from Mr. XXXX that our loan was " conditionally approved ''. 

This is where the actions of AAG become suspicious and lack transparency. For the past month I have not been able to secure a final loan approval. These are the relevant facts ( 1 ) my wife and I are over 65 years old, ( 2 ) we took the required HUD course, ( 3 ) our median credit scores were both well over 720, ( 4 ) we were never late on our primary mortgage ( 16 years ), and had no other mortgage or loan payments late in the past three years. Despite all of this positive history an unidentified AAG underwriter raised an issue about homeowner association ( HOA ) monthly dues that were paid late. These HOA payments were oversights of very small payments and did not result in any collection accounts or liens. Once AAG was satisfied with our HOA explanation, the unnamed, unidentified AAG underwriter questioned our income.

This is suspicious since our reverse mortgage will ( 1 ) require us to bring over {$60000.00} to closing ( which we have and provided documentation ) and, ( 2 ) will reduce our monthly expenses by {$2500.00} per month. We we not seeking payments from the reverse mortgage because we did not need any additional income. The reverse mortgage in our case is not a necessity but a proactive retirement action. 

Finally, what we are seeking is clarity and transparency. This is a Federally insured loan program that should be processed in a clear and nondiscriminatory manner. 

It is now XX/XX/XXXX, and despite several promises of closure we have yet to receive any.
Product: Credit reporting

I had an account with XXXX rental out was paid off but still coming up as a negative on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint today to inform the XXXX XXXX XXXX that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX 62*XXXX Balance XXXX {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX OF XXXX XXXX* Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}
Product: Credit reporting or other personal consumer reports

My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.
Product: Credit reporting or other personal consumer reports

Please assist me in looking into accounts where companies have wrongly reported late payments. I reviewed my credit report and found inaccurate late payment notations on certain accounts. These accounts should not reflect any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.
Product: Debt collection

I contacted Ability Recovery Services LLC in order to validate the debt which they say I owe with the letter that is attached to this message. In addition, I sent copies of the debt in the amount of {$1200.00} showing on my credit report and highlighted it. I sent this letter XX/XX/23 and still have not heard a response from them verifying the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I attempted to file online with Transunion but their system would not allow me to enter my complaint issue. I sent a letter but have not heard back. There is an entry for a XXXX charge that we notified Transunion was incorrect back in 2012. It is still on my credit report. XXXX represents XXXX XXXX insurance. We have not had this insurance according to our agent, and according to our local agent all our insurance is paid and paid timely. This XXXX item on my credit report resulted in our local bank going up XXXX percentage points for the interest rate on a personal loan.
Product: Debt collection

My Ex-Girlfriend and I were both named on an illegal collection attempt by Rent Recovery Solutions on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXX XXXX ( Not XXXX XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute XXXX which states exactly : ( XXXX ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section XXXX. 

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment. 

The {$570.00} was claimed owed in excess of the security deposit. 

No receipts were ever provided by the original lessor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been previously removed from both of our XXXX reports, but yet, Rental Recovery Solutions has filed once again with XXXX for the same debt under an invalid date, now stating that the debt is owed as of XX/XX/year> for this previously solved matter, which was previously solved because they are illegally attempting to collect a debt that is not owed. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to XXXX AGAIN AFTER this was all previously cleared from our credit reports. This is clearly retaliation and an attempt to threaten our credit without any validity to the debt, as this matter was ALREADY solved nearly two years prior. 

No justification was provided from Rent Recovery Solutions at any point when we requested, via certified mail, documentation for proof of debt. Rent Recovery Solutions responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX not XXXX XXXX, the original debt was submitted to collections in, resubmitting this debt under a single credit bureau with a new, invalid date of account opening ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested during the first appeal process. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested. They are illegally attempting, once more, to collect on a debt that has no basis under Nebraska Law using falsified information and threatening our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing this personal statement to address a significant incident involving the compromise and unauthorized sale of my personal data due to a data breach at XXXX. Recently, I received correspondence from XXXX informing me of this breach, which has raised serious concerns about my financial integrity and creditworthiness. 

The breach occurred between XX/XX/XXXX and XX/XX/XXXX, during which time a XXXX employee inadvertently uploaded sensitive information to a public-facing part of the XXXX website. As a result, my personal and health information, along with that of approximately XXXX individuals, was exposed without my consent. 

Upon reviewing my credit report, I discovered several inquiries that I neither authorized nor benefited from. These unauthorized inquiries could potentially harm my credit score and affect my ability to secure credit in the future. I am deeply concerned about the impact this breach may have on my financial reputation.

In response to this breach, I have taken the following steps : Monitoring : I am closely monitoring my credit reports for any suspicious activity.

Fraud Alerts : I have placed fraud alerts with the major credit bureaus to prevent further unauthorized inquiries.

Legal Action : I am considering legal action against XXXX to seek compensation for the breach and its consequences. 
I urge XXXX to take immediate corrective measures to prevent such incidents in the future. Additionally, I request that they provide me with details on the steps they are taking to enhance their cybersecurity practices. 

In conclusion, I am committed to protecting my financial integrity and ensuring that my creditworthiness remains intact. I appreciate your understanding and support during this challenging time. I request that the inquiries be deleted ASAp.