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

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ),
Product: Vehicle loan or lease

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Mortgage

In XXXX of XXXX, I fell behind one month in paying my mortgage. I called Huntington Bank in XX/XX/XXXX to see what my options were and I was offered a " hardship '' solution where the mortgage company would split the missed payment and add it to my subsequent 6 payments and no late fee would be assessed. I was told that the payments would be reported to the credit bureau 's accordingly ( not fully knowing what this meant ). I accepted the payment arrangement and made the payments that included the current months payment and a portion of the missed payment under the assumption that the payments would be reported as current for the month it was submitted. 

In XX/XX/XXXX, I wanted to start the process for refinancing the house and pulled my credit report. Huntington Bank reported the months I was in the payment plan as " late '', negatively impacting my credit reports. I filed a complaint with the bank, requesting a copy of the terms of the payment plan as to where I agreed to the adverse affects of the " hardship '' program and that the payments be updated to " current '' for the months that were submitted on time. 

On XX/XX/XXXX, Huntington completed its investigation and concluded that they do not have a terms agreement to share with customers that spells out the consequences of the hardship programs that they agree to, they deliberately DO NOT inform customers of the true negative reporting to the credit bureaus, and they will not be updating my credit report. The agent did think that it would be a great idea to provide a copy of the terms to customers as they enter these payment plans. 

I believe this practice to be absolutely misleading and dishonest by the lender, thus violating the Truth and Fair Lending and The Fair Credit Reporting Act. This practice is extremely harmful to the borrower as late payments are especially harmful to their credit profile, costing them more in interest rates as well as flat out denials. Also, although Huntington believes themselves to not be discriminatory, this practice is heavily inequitable to poor and lower-middle class families as poor credit history negatively affects their financial wellness than higher income families. By withholding pertinent information, especially the fact that they will report your account as late for however long you are in the " hardship '' program, they are causing more harm than help to the people who need the assistance the most. I am totally appalled that Huntington Bank, and any other financial institution, thinks these types of practices helps their customer. I will be refinancing with another institution and discouraging others from banking with Huntington Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' Please delete all of these accounts off of report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANKRUPTCY
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report the account listed as XXXX  Acct # XXXX incorrectly. There are several inconsistencies within the account itself and the information being sold from XXXX is incorrect which has now lead to a civil dispute between the parties. Transunion, XXXX, and XXXX do not have access to my personal financial records and therefore can not legally or lawfully verify information. The only reason each credit bureau continues to state the information is verified is because of the financial gain that each company gains. TransUnion, XXXX, and XXXX are domestic profit companies which means they exist solely to make money. These companies buys information from vendors they rely on to verify information but this information can not be verified unless the consumer verified it. I have done no such thing and no reasonable investigation has been done. There are several inconsistencies within the account like date opened, number of months, high credit, last reported. comments are incorrect, date last active, and date of last payment. Since these items are not the same how in the heck are they supposedly verifying one account three different ways. It is so obvious they are not actually doing an investigation into my claims. Also these companies are clearly ignoring law and when sued denying any wrong doing like XXXX that I am currently in litigation with and their attorney has denied all my claims when clearly the evidence is in their face. These companies can not verify any information because these are NOT people but corporations created to make money by selling information.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting, credit repair services, or other personal consumer reports

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Product: Mortgage

In   XXXX   XXXX   XXXX   I tried to refinance my home to get a lower interest rate. Every thing was approved until  XXXX  checked and saw that my home was not in my name.     In  XXXX  I fell behind on my payments and had to take out a  XXXX   XXXX   XXXX  with  XXXX  Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of  XXXX   XXXX   XXXX   XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage.     I also have the documents that were given to my attorney  XXXX   XXXX  at  XXXX   XXXX   XXXX . They have been trying to correct this problem since  XXXX  of  XXXX  with no results. I have the letter that  XXXX   XXXX  sent out to all the mortgage companies that have held my Mortgage since  XXXX  I need help getting this matter settled. I can not refinance or sell this home if I had to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion, XXXX and XXXX a certified letter advising that XXXX  XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my 2 CLOSED ACCTS with XXXX then knocking my credit score down 9 more points. This bankruptcy was filed XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. So to add that comment now after over 2 yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have 5 student loans when I consolidated into 1 in XXXX if XXXX. I have proof all 3 credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to Equifax as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX  account number ( XXXXXXXX XXXX XXXX XXXX XXXX account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to show my XXXX HELOC as an OPEN account even though it has been closed since 2016. Both XXXX and XXXX report it as closed in XX/XX/2016 as evidenced by my credit reports included with this complaint. XXXX shows this account on p. 10 of 37, and XXXX lists this account on pp. 97-100 of 163. Attached is a screenshot of me logged in online to the XXXX account where they show it closed. The Experian Credit Report shows this account on p. 11 of 49 as open. I have disputed it twice with Experian and each time they conclude it is open, even speaking to a " manager '' doesn't help. It's hard to believe that XXXX is providing conflicting information to Experian. Please note that an account DOES NOT need to have a zero balance to be considered closed, as is the case here. If you look at my credit report, you will see a number of accounts IN GOOD STANDING that have a closed status, balance due, and ongoing payments. That is the case with the XXXX acccount too. The HARM to myself and other consumers is that Experian shows this as an open revolving account. In addition to being closed, fundamentally it is NO LONGER a revolving account, since the loan is in the repayment period. As I make interest and PRINCIPAL payments, reducing my principal balance, I am NOT PERMITTED to borrow. A true revolving account is a line of credit ( secured such as a HELOC or unsecured such as a credit card ) where payment of outstanding principal replenishes credit available for future borrowing. ( I'm sure you understand that, but for emphasis as to what's wrong, I just wanted to state that fact in my case. ) First and foremost, it should be treated by Experian as CLOSED, not grouped with revolving accounts which distorts my credit utilization. At best, it should be listed as a closed installment loan by definition since I am making monthly payments until the balance is XXXX, like the closed lines of credit from XXXX also found on my report. Reporting HELOC 's where the Draw Period has closed as a REVOLVING account is an inaccuracy that GREATLY DAMAGES consumer credit scores, lowering scores by inflating credit utilization. Thank you in advance for your investigation of this. For background, I've been a financial planner for over two decades and I'm familiar with credit and good credit ; Experian shows my FICO 8 score today as XXXX. I'm sure it would be above 740 where the XXXX loan to be treated as closed, since credit utilization is not harmed by closed accounts.
Product: Credit reporting or other personal consumer reports

Transunion put an eviction on my report without verifying! XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX sold my information to this company that was from XXXX. They are illegal in maryland where i reside and they kept selling my debt.I don't owe them this money stated as they put me in collections. 
( DEBT RECOVERY SOLUTIon ) Last reported XX/XX/XXXX {$1500.00} Open balance XXXX  Original creditor Opened XXXX XXXX, XXXX ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The followings are the fraudulent account XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses ( listed above ) are present on all three bureaus. 

XXXX : Fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Equifax : Fraudulent address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL, XXXX ) XXXX : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus. 
Block and remove the fraudulent accounts from XXXX. 
Block and remove the fraudulent address from Equifax under Section 605B of the Fair Credit Reporting Act ( FCRA ).

Supporting Documentation : I have attached the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ).

I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

15 US 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, 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 identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

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 These items are Illegally being reported on my credit report and i need them removed