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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX  XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX.
Product: Debt collection

HI CREDIT COLLECTION SERVIC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I have to file a complaint with Equifax, XXXX and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All 3 agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. 

Thank you.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXL Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Mortgage

I am a borrower exiting from the XXXX forebearance, my loan is with XXXX XXXX XXXX and I applied for Flex loan modification with my servicer Flagstar. 
I was denied the loan modification, and the language on the denial letter is as follows : " Please find the results of our evaluation of all available loss mitigation options, and the specific reasons you were denied. 

Flex Modification : Your post-modification principal and interest payment can not be reduced by 20 percent. '' The problem is that while the first sentence promises a " specific '' reason for denial - the second sentence give a reason that can not be called specific. Not getting a specific reason for my denial won't allow me to file an intelligent appeal. 

Truly specific reasons for denial of loan modification would be : " too high income '', " too low income '', " too high LTV '', " too low LTV '', " too much equity in the house '', etc. 

I tried to call the servicer many times, they won't give me any info beyond what I copy-pasted above. They promised that supervisor would call me back but he never did. 

Am I entitled to get a more specific reason for denial of my loan modification, so that I can file a meaningful appeal? 

Thank you in advance for your help.
Product: Debt collection

Portfolio recovery calls me everyday threating to sue me in threating to garnish my wages. I have sent them letters to verify my debt. I have also sent them to the credit bureau. I having been waiting three plus days.
Product: Debt collection

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from MONARCH RECOVERY MANAGEMENT , INC . MONARCH RECOVERY MANAGEMENT, INC has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). MONARCH RECOVERY MANAGEMENT, INC has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). MONARCH RECOVERY MANAGEMENT, INC conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. MONARCH RECOVERY MANAGEMENT, INC has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). MONARCH RECOVERY MANAGEMENT, INC has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified MONARCH RECOVERY MANAGEMENT, INC in writing that I refuse to pay the alleged debt and wish MONARCH RECOVERY MANAGEMENT, INC to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since MONARCH RECOVERY MANAGEMENT, INC has failed to comply with provisions of 15 usc 1692 MONARCH RECOVERY MANAGEMENT, INC is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Product: Credit card or prepaid card

On XX/XX/XXXX I received a XXXXXXXX XXXX XXXX from Chime in my name. I received a text to XXXX XXXX XXXX  cell that the card had been delivered. I never asked for this card and had never heard about Chime before. On XX/XX/XXXX I called the phone number on the card and were asked to give personal identifying information ( last XXXX # XXXX XXXX XXXX XXXX XXXX, etc ) before they would even talk to us. Eventually they said this was identity theft and said they would send me an email. I was given a ticket # XXXX. I never received an email. On XX/XX/XXXX I called again and had to repeat the entire process again. I tried to give the ticket number telling them there was already a case report but they refused to take it. I asked to speak to a XXXX XXXX XXXXXXXX ) who also refused to take the ticket number, asked me all the personal info questions again and gave me a new ticket number ( # XXXX ) and was told again that they would look into it and send me an email. I still have not received an email. When I asked if there has been activity on this account they refused to tell me. I am concerned that this company is a fraud and now they have even more of my personal information. Their customer service workers do not understand basic XXXX and had a hard time understanding what I was trying to tell them. The phone number on the back of the card is XXXX.
Product: Credit card or prepaid card

Cash app took XXXX out my bank account without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX Georgia, XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with FCRA- Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/year>, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : XXXX. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
XXXX. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made. 
This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements. 
Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : 1. Actual damages sustained as a result of the failure.

2. Legal costs and reasonable attorneys fees incurred in pursuing this matter.

Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter. 
2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter.

Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Next Steps Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX my identity was stolen and someone purchased a vehicle from XXXX XXXX in XXXX, Kentucky. {$1200.00} was stolen from my account from XXXX XXXX and applied towards the down payment. Upon disputing the {$1200.00} taken by XXXX XXXX with XXXX XXXX. I was issued a credit in the amount of {$1200.00} because the investigation proved that I did not make this purchase. I have attempted several times to resolve this issue with XXXX XXXX and every time XXXX told to contact Credit Acceptance the auto Finance company. After several attempts and a year later I have not been capable of resolving the issue. Credit Acceptance stated they investigated my claim and that it was myself that purchased a XXXX XXXX XXXX for {$18000.00}. They have not presented me with any documentation to show that I bought a vehicle and they refuse to remove this account from my credit bureaus. I am exhausted with trying to resolve this issue and I would like to know what I should do to get this account removed from my credit bureaus. If I need to retain a lawyer and file a lawsuit against Ideal Auto and Credit Acceptance I will do that but I would prefer to know if thats my only option.
Product: Mortgage

Attempted to sell the property after being transferred out of state in late XX/XX/XXXX ( property in XXXX  ) & ( moved to XXXX  ). Home was not selling fast enough. Requested short sale information. Then in early XX/XX/XXXXreceived an offer. Wells Fargo processor gave me fax information to send in sale paperwork. I faxed personally 2 times & she told me that she did not receive it either time. So, I went to XXXX store for them to fax ( cost {$40.00} ). Again she did not receive it. She said try one more time. Again another {$40.00}! Then she told me that she really can't receive the paperwork via fax. It has to be submitted electronically into their system. So, then I went back to our real estate attorney in XXXX. They submitted into the Wells Fargo system immediately. Shortly thereafter I received word that she did not have enough time to review the paperwork and the offer. So, the offer was dropped. Some weeks later we received a second offer, only to be told that the offer was too high to qualify for short sale & that Wells Fargo was refusing the offer. When I called to ask why my customer service person was very rude. I asked " what do I have to do to get WF to process the paperwork & get the house sold to get it off my plate? ". No response. So, I asked, " do I have to get an attorney involved to get this done? '' He immediately hung up on me. I tried reaching anyone for months, being put on hold for 45 - 80 min at a time ( nearly losing my job because of it ) with no response from anyone at Wells Fargo. I finally gave up. Now both me & my mother have poor credit & IRS issues due to Wells Fargo 's failure to act on either offer for sale & poor customer service. This has now caused me to lose out on several job offers as well as cause my credit card interest rates to be raised & other cards to be closed.
Product: Credit card

On XX/XX/year> a credit card was opened in my name FEB DESTINY. I received an email thanking me. I called the number to report I did not apply for this card was asked to pay for insurance for the card before they can look into the issue. I called the card company the gentle asked for my information to look up my card. then he proceeded to tell me the rules of dispute, that I need to go through him. 
So I mailed out a letter to the XXXX credit bureaus with the copy of the email that was sent trying to get this removed. I was then alerted that {$250.00} was charged on the card on my XXXX XXXX app. I put a freeze and have been trying to get it removed. I noted a number for the card company on the XXXX XXXX app I called it and was told I do not have a card with FEB DESTINY and was provided the numbers to the XXXX Credit Bureaus to dispute. I reached out to XXXX and they informed me to also contact Federal Trade Commission regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to notify you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the XXXX bureaus through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.