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

I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts that are listed on my Federal trade report, I have attached a copy of my report to this file!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers : My current Employers is XXXX XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. 
On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. 
On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. 
We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.
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 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 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 ) X1 ) 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 information is inaccurate
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX the law office of timothy pulled my credit report without my consent. I've never heard of this company or to my knowledge never done business with this company so I'm not sure why they would be request my credit report without my consent. 

On XX/XX/XXXX the law offices of timothy pulled my credit report again without my consent on XX/XX/XXXX i contacted Experian and let them know about these unauthorized inquires and they told me they could pull my credit if i owed them a debt and i know that's not true this is against fdcpa
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act,

15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting a collections XXXX XXXX Account XXXX that's inaccurate .I dont understand how are they reporting something on my credit file that's suppose to be accurate but send me a letter back after disputing it, informing me a their unable to locate my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have called Transunion several times to get this resolved and they have ignored my request. 

XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX  in XXXX. I have never resided on east place. in XXXX court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XX/XX/XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XX/XX/XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.
Product: Debt collection

On XX/XX/XXXX XXXX dispute result in collector SOUTHWEST CREDIT SYSTEM is wrongfully updated and labeled " Completed Investigation, meet Fair Credit Reporting Act '' the result is an update account who has been verified before and now has been asked to VALIDATE and provide all information and documents they have with all the information I requested in the XXXX Dispute establishing a Formal Statement of Creditor/Debt Collector Declaration and I declared for FCRA 15 U.S. C ss 1681i to delete all information not provided by mail to me to the address I provided. I bound them to disclose all info regardless if they are a third party stating Federal Trade Commission as my defense that violates commission paroted information parroted given to you by other sources and shifted to me which is a violation of Statute 1681 ( a ) ( 4 ) to make original collector have liability and the Dept Collector have to provide and respond to me regardless of them being faithful and can continue to ignore and damage my credibility since they do not respond to me and they are only required to respond to the Original Collector. I raised statute of Limitation as my defense and I have the right to demand ALL INFORMATION OF ALLEGED ACCOUNT. PROMPTLY DELETED IF INFORMATION IS NOT VALID OR IF IS NOT PROVIDED. WHITIN 30 DAY DISPUTE PERIOD. I/ did establish in a Formal Statement in my dispute that | required an assigned experian member to show all dates and what document the XXXX Collector Provided. I demanded to be sent copied to the same address I provided in my Report to be sent back to me for me to review and validate before they would determine the result of my VALIDATION. They only provided a vage with missing items carelessly displaying how easy they verify nothing and still harm me. I received a report from XXXX only on XX/XX/year> Formally Disputed on XX/XX/year>. Currently the only thing XXXX did accomplish was providing me the result prior to the XX/XX/year> deadline ON TIME but failed to Validate or truly investigate the accounts under dispute. They never even allowed me to verify such information myself before updating my report. I am being harmed wrongfully and I need Consumer Finance Credit Bureau to please help me remove all negative accounts that do NOT belong to me and have been sold or withholding the information and without validation.
Product: Credit reporting or other personal consumer reports

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.
Product: Student loan

I have contacted Naviant for over 5 years requesting a loan payment that I could afford. I have NEVER made over {$47000.00} a year. The representatives never told me of the Public Servant Loan Forgiveness Program. They have ONLY offered to put my combined loans ( combined with my now ex-wife ) into forebearance or deferment. That is NEVER what I wanted, because it does not help with paying the loan off, and the interest accures. I have asked approximately18 times to speak with a supervisor or to speak to someone that spoke English as a first language. Those requests have always been turned down. I have also asked, repeatedly, that the loans in my name could be seprated from my ex-wife. Her loans are only a fraction of mine, but they say it is not allowed, even though we have been divorced over 6 years AND the divorce decree stipulated that to be done. 
We have mailed them tax returns, pay stubs and filled out the same forms many times and they say they never receive them. The interest on the combined loans has now passed 92 % of the amount owed. I have been mislead and steered to deferrment and forebearnace when other, more suitable options were allowed, though NEVER offered. I feel I was intentionally and systematically cheated and I now have no way to afford paying off loans that now total close to {$90000.00}. I only atteneded state run iniversities and this was simply to receive a 4 year degree. 
I am requesting for some sort of action to be taken against Naviant in my name. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft. 
Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 
This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have used this company for many years and been verified for years. Last month they suddenly put my account into a XXXX XXXX XXXXXXXX ' stating that they can send my assets to the defi wallet if I contact customer support. I contacted customer support firstly to ask them to sort out my verification and let me access my assets as there was no reason for the sudden block on my account. After weeks of no response or update I just simply asked them ( many times ) to transfer over to my XXXX account so that I have control over my assets, and can send them to another wallet that I can use. They just keep repeating the same automated email about it being in the right hands and they will sort it as soon as they can. This isn't good enough and is clearly a robot response. They are not giving me access to my funds and are not holding up their responsibilities.
Product: Credit reporting

Experian Credit Bureau charged {$21.00} on XXXX/XXXX/16 and {$39.00} XXXX/XXXX/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute.
Product: Debt collection

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatlygreatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX  {$490.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
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: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Product: Student loan

Navient collected a {$100.00} Forbearance Payment from me on XX/XX/2017, and then collected another {$100.00} Forbearance Payment from me three months later on XX/XX/2017. The Forbearance Payment collected on XX/XX/2017 should have covered a one year period, but Navient collected another {$100.00} Forbearance Payment only three months later.