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

Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear XXXX XXXX XXXX am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within XXXX business days : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to find inaccurate accounts that I dont recognize. I routinely monitor my report, and this is the first time I have encountered such discrepancies. Thinking it might be a system glitch, I refreshed my browser, but the errors did not disappear. Given this, I am requesting a careful review of the documents I submitted to ensure I wont have to deal with this issue again.
Product: Debt collection

Recently wrote to Pendricks capital partners. I explained to them i was victim of identity theft. Someone used my information in Florida for credit cards and medical bills. i live in California .. they have been removed off of my credit report by credit reporting bureaus and also some by Pendricks . however some collections are being reinserted by their partnering data furnishers and shell companies. i recently wrote to Pendricks they said to send them the report of identity theft. so that the incident does not keep happening. attached is my report from the Federal Trade commission. Please stop collecting on debts not owed. I have communications with your company well documented Its difficult as it is dealing with someone even today still trying to run my credit and open utilities in my name. much less old medical bills. i have a XXXX score I have health insurance. My credit is very important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because they are unable to correct the issue with me being able to update and review my credit report, and also to receive my updated Score that I pay a monthly subscription for, Equifax has decided to send me a letter stating that since they are unable to remedy the situation that they are canceling my subscription. I am unable to access my report which is a violation, and it does not update anywhere else like  XXXX   XXXX ,  XXXX  or anywhere else. And when I apply for credit the creditor does not receive anything on my credit at all, so they deny me! I am  XXXX ! I am trying to review my credit to try to buy a house and will be the turned down because no report from Equifax. They have sent me nothing on trying to resolve the issue. I am still without a updated credit report, and I do n't know what my score is, which I have a right to. Even if they cancel my monitoring service with them, other monitoring services are unable to access my Equifax credit report and score as well. This has been a problem with Equifax for about many weeks now. They act ignorant like they do n't know what 's going on, but several people I know have experienced the same thing and have been declined for credit because of it. This can cause people to get declined for credit, jobs, insurance, and housing, and they need to be accountable ... at least be honest that there 's a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Checking or savings account

The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a f

air investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3XE ) States ; The term "
investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS.

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
Product: Debt or credit management

I used Lexington Law Credit Repair Services years ago, about 2or 3 times and got no resolution to my credit score increasing, they just took money monthly and I'm trying to ensure that my refund comes to the correct address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX My name was may have been XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX at the time.
Product: Debt collection

Collection company ( Portfolio Recovery ) called me Sunday XXXX XXXX time XXXX XXXX cst
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
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 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX NEW INQUIRIES : XXXX XXXX XX/XX/year> : XXXXXXXX XXXX XXXXXXXX XX/XX/year> :
Product: Debt collection

I was called at XXXXXXXX XXXX. I also received multiple texts which I opted out of. I'm a XXXX XXXX  who is in all time zones and I sleep at different hours. I could not convey that to them. They would not admit to what time zone they were calling from. My payment was made 5 days early. 
This was Synchrony Bank over {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX OF XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I engaged XXXX XXXX XXXX XXXX XXXX XXXX to pre-qualify on an OTC loan to purchase land and pay for the building of our primary residence. At that point I already knew which builder I wanted to engage, XXXX XXXX XXXX XXXX, and I was aware they had an in-house lender named XXXX XXXX XXXX XXXX XXXX XXXX. I had decided not to finance through them because I felt that it presented a conflict of interest. When I first met with our XXXX XXXX consultant, XXXX XXXX, on XX/XX/XXXX, she asked me why I wasn't using their lender. I explained it to her and she responded " ok. '' After constant delays and missed deadlines on XXXX XXXX behalf I had to negotiate with the seller to extend the close date and in exchange release my {$3000.00} earnest money. Then on XX/XX/XXXX out of the blue 58 days before closing, my lender sends me an email telling me that I have to work with XXXX. The reason she said, is because the loan processing company GSF Mortgage told her that while I was approved for the loan " ... we [ GSF ] have a working relationship with their XXXX XXXX 's XXXX mortgage company '' so I would have to use XXXX At this point I had to secure a land-only loan so I could close on time, or risk having the seller walk away or charge me a per-diem on the lot. Securing the land-only loan is costing me {$45000.00}, plus closing costs and a monthly mortgage that I wouldn't have had on the initial OTC loan product.
Product: Credit reporting or other personal consumer reports

Re : Acct # XXXX ( XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( XXXXXXXX XXXX XXXX  ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. 
Under the laws of the State of ( State where the car was repossessed ) XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Product: Mortgage

The mortgage servicer Rushmore Loan Management Services , LLC made verbal and written promises to provide mortgage assistance. 

Rushmore Loan Management Services , LLC was made aware financial hardship that I experienced with COVID-19. My income significantly decreased for a period, and I was not able to make my regular monthly payments. 

Rushmore Loan Management Services , LLC started a loss mitigation process for me to obtain a loan modification to help lower my monthly mortgage payment and bring my loan current. 

This process was started in XXXX XXXX and I worked with Rushmore Loan Management Services , LLC for several weeks providing document after document to only be informed on XX/XX/XXXX, that my file was abruptly closed and a sale date for XX/XX/XXXX, was entered into the system. Rushmore Loan Management Services , LLC would no longer assist me in any efforts to prevent foreclosure and I was not provided with any complete review for mortgage assistance programs. 

The actions of Rushmore Loan Management Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j1024.41 ) ; The Consumer Financial Protection Bureau XXXX which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XXXX XXXX XXXX Among other things, the rules restrict dual tracking. 

Rushmore Loan Management Services , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX
Product: Credit card

I applied for credit through Ashley Furniture, who unfortunately uses Synchrony Bank, when we purchased a mattress in XXXX. We were financially prepared to start making payments a little higher than required. My wife, XXXX, handled the setup, but despite this, we received a late notice the following month. She contacted Synchrony Bank, paid the outstanding monthly payment bringing us current, and re-enrolled in automatic payments. Yet today, I received another message saying we're behind again even though an email dated XX/XX/year> says I'm enrolled for auto-pay. Our bank account is never in arrears. 

This situation is damaging my credit, adding late fees, and jeopardizing our ability to pay off the balance before the XXXX-percent financing period ends. I suspect this may be intentional, as we've had similar issues with Synchrony Bank in the past. Had we known Ashley used them, we would have avoided financing through this option. I'm extremely frustrated that this continues to happen. 

To make matters worse, when I called for assistance tonight, I was transferred to the wrong department twice and still received no help. 

I do not have exact dates and amounts because they never send a bill. Our amount due now is {$5300.00} My only option was to reach out to you. 
.
Product: Mortgage

In or around XXXX 2015, Specialized Loan Servicing inaccurately reported my XXXX 2015 loan payment as 30 days or more late ; however, my payment was not late as it was made on XXXX XXXX, 2015. Specialized Loan Servicing failed to credit my account on the date of receipt in violation of the Code of Federal Regulations ( CFR ), specifically 226.36 ( c ). The CFR specifically states " no servicer shall fail to credit a payment to a consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency. '' As a direct result, my consumer credit report was adversely impacted resulting in higher interest rates on credit cards and loans. Moreover, I was also turned down for credit.