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

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX  Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Product: Debt collection

This account with CREDIT MANAGEMENT is reporting on my credit report this account doesnt belong to me I sent them a investigation request letter to prove this account, belongs to me, which it does not, and I havent heard anything back. I would like for this to be removed off of my credit profile. $ {$2000.00} in a second account for {$450.00} this account doesnt belong to me please remove them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Unauthorized I identity theft Hard Inquiries Dear Experian, XXXX, XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX -Experian XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX - XX/XX/XXXX - Experian XXXX. XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXX - XX/XX/XXXX -TransUnion XXXX. XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXX - XX/XX/XXXX -Experian XXXX. XXXX XXXX XXXX - XX/XX/XXXX -Equifax XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card account with XXXX XXXX XXXX XXXX. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX  per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate.

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation.

In addition, I have notified transunion, along with the other major credit bureaus of this issue and they have not been able to resolve this problem.

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off two months that I missed it was not clear to me that two months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, According to the Fair Credit Reporting Section XXXX ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. However, you did not provide proper verification the last time I requested this verification. You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card P Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked TransUnion to provide proof that I applied for credit due to numerous credit inquiries on my credit report ( have had prior freezes and alerts due to fraud ) and they told me that they can not remove them and that they all have permissable purpose. When I asked which permissable purpose that was, I just receive a regurgitated letter telling me the companies could pull at will, basically and I could do nothing about it - not so according to 15 U.S.C. 1681b. TransUnion told me they were closing my dispute and I could no longer dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved.

Initial attempt to open the account was made, but I encountered an issue with the process.

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently.

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable.

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.
Product: Debt collection

Lvnv funding has purchased it debt that was open due identity theft I contacted the credit bureaus and got them to remove the report from XXXX XXXX XXXX then lvnv funding picked up the debt placed another mark on my credit report and has been trying to collect using threatening phone calls threatening arrest and to damage my credit if I did not pay them
Product: Checking or savings account

On XX/XX/XXXX I received an email from a company called Affirm. They congratulated me on opening up a savings account. Which I never did. I have used this company in the past to finance, my peloton and my annual ski pass. However, I never opened up any other accounts with this company. Not only did someone open up a savings account, they used my bank account on file the transfer {$1000.00} from my personal checking account to the savings account without my permission. I noticed this immediately that they were attempting to do this, and I called affirm on XXXX  morning, XX/XX/XXXX and notified them of the fraud and the problem. While I understand, these kind of things happen on a regular basis, the reaction was pathetically weak, and they did nothing to stop the fraud and the theft. They were notified that this was a fraudulent transaction, that I did not open the savings account, and they needed to close the account, the response was they could not close the account because there was a pending transaction. Which is ridiculous. So in fact, they assisted in stealing {$1000.00} from my personal checking account, my guess is that this is somebody that works for affirm that committed internal fraud. Because to get into my account, you need my mobile device in hand the ability to get a text message and also an email with different passcodes at each section. Their response has been incredibly weak. I put in a block with XXXX  XXXX XXXX to stop the transaction however I did not have enough time as Monday afternoon. My account was debited for the {$1000.00}. Wow, I understand these kind of things happen. Their reaction was not near fast enough to be able to prevent fraud. In fact, they enabled the thief to steal money from me. And are doing nothing to resolve the situation. They did lock my account down. They are in partnership with cross XXXX XXXX, who I also notified of the issue this morning, and I gave them the account number for the account that was generated by the fraudsters within my Affirm account. And asked them to shut that bank account down and of course they did nothing either. So right now there is a debit from my bank account for {$1000.00} and these XXXX XXXX  did nothing about it. XXXX XXXX is the CEO of this company, XXXX a billionaire and he is facilitating theft and fraud.
Product: Mortgage

My home was foreclosed on in 2013. I had two mortgages. 80/20 First loan was with XXXX and the second loan was sold multiple times, and ended up with Shellpoint Mortgage. 
After the home was foreclosed on, the first loan, XXXX was paid and now is currently listed as Resolved through Foreclosure on my credit report. 
The second loan is still active on my report and it states that the account is 180 days + past due every month and hurting my score. 
My question, should this account also be resolved through foreclosure? 
I have called both companies several times and they both seem to give me the run around. 
Shellpoint tells me there is no alternative and I must pay the original loan off ( over $ 80k ) which I am unable to do. 
Do I have any legal standing?
Product: Mortgage

failure to send borrower the following prior to foreclosure referral XXXX. In all states, Servicer shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement ), XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Servicer shall provide the XXXX XXXX with copies of proposed form statements for review before implementation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called Trans-union to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have 3 medical Collections,  that have already been paid and has not been removed.. they mentioned it will take up to 60 days to be removed.. please assist me
Product: Mortgage

We had a fire at our home ; received the check from the insurance company and it was made out to my name and Wells Fargo. The local branch said we had to sign the check and send it to Property Loss Dept. in Ohio, they also said that we had to furnish them with a pay off quote from the home equity dept. and sign it ; the local branch overnighted the check but we had to wait to send the letter because a payment was due so we had to wait again to submit the info so I had to call home equity again to get a pay off figure, I faxed it to property loss and they told me it takes 2 days to verify a fax! another week I called again and they told me they ca n't honor the verbal quote I need a fax from home equity dept. I 've had numerous phone calls placed and the loan is still not paid. It is XXXX XXXX and the last call was that the fax was forwarded to the dept. that will expedite this but I still do n't have answers as to when this will be paid and when we will receive the rest of our money that they are holding in an account. Can you please help us?
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a debt not owed the Company received their property back they never informed me that additional charges would be placed on my credit reports this company has placed a collection account on my credit file when nothing is owed to them they stated if the property was returned they would not seek any further collection this company lied to me and is damaged my credit with this bill when their property was returned
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681s-2 ( a ) ( 1 ) The Inquiries listed below are fraud and inaccurate and are not mine. I need These inquiries removed from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I could not view the attachment that LVNV Attached. Please reattach it so I can see if this was handled correctly.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Thanks Experian for quick response. I am using CFPB 's help because you did not investigate the issue properly when I tried to resolve the issue directly with you. I made a conference call with Experian Dispute Rep and XXXX XXXX on XX/XX/2018, and XXXX XXXX Representative confirmed over the phone that they sent you a request to remove all derogatory information from your report. The experian representative was on the line and she confirmed that it will be corrected immediately. However, five days have been past and Experian is still reporting inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we first serviced our mortgage loan on XX/XX/2015 with Parkside Lending, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from Parkside Lending stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from Parkside Lending stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on XXXX the information is not reported correctly. On XXXX  and XXXX it is correct. XXXX  clearly states my first deliquent with Parkside Lending was XXXX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.