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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release el my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which consttutes a case of identty theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these enttes, and i demand the immediate deletion of the bems and inquiries in question to correct my credit report. 

I ntomotiw aod ccafirm tha remosal.of tha disouted XXXX request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFP complaint from my consumer credit file within XXXX business days of receiving said complaint.
Product: Credit reporting

Experian update a fraud alert on my credit report but did not send me an updated report as promised. 

We have received a letter from Experian today concerning a " FRAUD ALERT '' placed on my credit report by a financial institution. The letter does not include an updated credit report as promise by your customer service person. I would like an updated credit report as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES WERE DONE WITHOUT MY PERMISSION I HAVE NO KNOWLEDGE OF THEM 


XXXX XXXX XXXX
Other Collection Agencies
Inquiry date:XX/XX/XXXX
XXXX XXXX Auto Financing  Companies
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX XXXX XXXX XXXX  Auto Financing Companies
Inquiry date:XX/XX/XXXX
XXXX  XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX XXXX
All Banks - non specific
Inquiry date:XX/XX/XXXX
XXXX XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Debt collection

15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
they have reported to my credit, and calls me all time of the day from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed that are not mine..I have no idea who this company is and why it ended up on my credit report.. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done.. This is not my account XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX  XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter/note I sent to Shellpoint/NewRez while trying to resolve this issue.

I may become redundant while reporting this issue so please bear with me. 
Shellpoint is a credit collection company. They were sold my revolving equity loan, which I had used for 20 years till the loan closed.

I, throughout my entire history of this loan NEVER had a SINGLE LATE payment.

In fact, my credit rating will show that I have NEVER missed or been LATE in my entire credit history towards any creditor.

So ... why in the world would I be late on the FINAL payment of this loan? 
I wired them [ as I had times before ] the {$110.00} + payment from my XXXX XXXX account to meet the XX/XX/XXXX deadline. I have prepared a pdf that includes this information. 
I started to receive letters that my payment was late, it was not. 
It has taken 2+ months for Shellpoint to come to the conclusion that they indeed found the payment. I then sent them the requested additional {$50.00} payout to close this loan properly. 

Since XXXX it has taken me 3 months to get this rectified. Meanwhile, my credit rating of XXXX to XXXX from XXXX and XXXX was CRUSHED to XXXX! 
They have since, after starting a complaint, knowing I was correct and it was THEY who were wrong been gracious to return me to XXXX. As though this should shut me up and that I should just go away. 
I am not going away. 
You see, being retired I have come to realize that the only possibility of future transactions/credit, etc. lies with my credit rating. 
I don't care if I am back to an " excellent '' rating. I want and fully EXPECT that since I did ABSOLUTELY NOTHING WRONG that I should be FULLY reinstated with my original XXXX ratings. In fact, I would have expected my rate to go up, NOT DOWN. 

Evidently, I was found to be correct in this matter. I did it the correct way. I played by their rules and still was penalized. I opened complaints with both XXXX and XXXX and had many a phone conversation with ShellPoint/NewRez. 
I am DISSATISFIED with the results. Below is my previous email to NewRez and I will attach supporting evidence of my claims. 
NOTHING except a return to AT LEAST XXXX will do in this matter. 
Thank you for your time. 

*********************************************************************************** From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX ' XXXX Subject : Return Credit to normal ... ..Att'n : XXXX To whom it may concern : Attached you will find the recent communications I have received from Shellpoint/NewRez. 

The evidence is obvious. 
I sent NewRez, what I had thought and hoped was my last payment of a 20+ year old equity loan. 
This payment was wired from my XXXX XXXX account on XX/XX/XXXX, the payment date. 

I must tell you that, as you can see not only have I NEVER had ONE late payment in the history of this loan, I have NEVER had one late payment in the 40+ years of my credit reports! 

Why in the world would I do this on my FINAL payment of the loan??? 
You have crushed my credit rating of XXXX by XXXX points!!! 
FIX THIS!
Product: Mortgage

My mortgage was being serviced through a company called Specialized Loan Servicing for many years. I was making payments through my bank 's autopay. 

In XX/XX/scrub> 2024 or so, my loand was transfered to a new servicing company called Shellpoint Mortgage ( https : //www.shellpointmtg.com/helpful-tips/frequently-asked-questions/shellpoint-mortgage-servicing-forms/_ ) and then in short order transfered again to another company called " XXXX XXXX  ''. 

Unfortunately, my autopayments continued to go to Specialized Loan Servicing, and I recently received a notice from XXXX that I was behind on my payments and that my credit rating could be affected. 

When I tried to reach out to Specialized Loan Servicing, all I got was a link o Shellpoint. Then, when I tried to talk to SOMEBODY, ANYBODY at Shellpoint, I was unable to break through their customer service auto-system because they had no record of my loan.

In the meantime, SOMEONE is holding on to my {$800.00} mortgage payment and presumably earning interest on it.

I need my money back so that I can use it to pay my monthly mortgate payment. I also have lost SOOOO much time navigating these companies ' webpages and so-called " customer service '' lines trying to resolve this. Tghe companies obviously have an incentive to wear me down and just take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

A credit card was opened in my name without my knowledge. I did not find out until I financed a car. I then placed a set Report with the state police also contacted Bank of America several times filled out forms they sent me still on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On [ date ], I submitted a comprehensive request to Equifax to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, Equifax rejected my request, stating that proper identification was not provided. 

I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of Equifax. Enclosed with my original request were the following documents : A signed and dated dispute letter outlining the inaccuracies on my credit report. 
Copies of my credit reports from XXXX, XXXX, and Equifax highlighting the disputed items. 
A copy of my government-issued identification ( driver 's license ). 
A copy of my Social Security card. 
A recent utility bill verifying my current address. 
Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Equifaxs guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 

Violations of Law I believe that Equifax 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. 
15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Requested Actions In light of this, I respectfully request the following actions :
Product: Credit reporting or other personal consumer reports

I dispute incorrect account number and open date on my credit report with Experian XXXX the debt collector ( XXXX XXXX XXXX XXXX has different account number and open date from the original creditor. This is false and misleading information according to FDCPA 15 U.S CODE 1692e.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed
Product: Mortgage

Today Wells Fargo contacted me to sign modification listed in the complaint the letter said I had until XXXX. They want to send a mobile notary Im distressed to have sign at this point they not listening and denied my application refinancing. 

XXXX of XXXX I requested a refinance equity with cash out I was denied stating that that department was closed due to an internal covid process no Wells Fargo 's customers was allowed to apply for refinance nor get equity as a home I was under a modification which I knew I was not going to be able to make that payment for the month because of a XXXX  and I had to pay for an emergency XXXX in my XXXX I advise Wells Fargo 30 days prior and also advise them within the next XXXX months I will be making a double payment to make up for that payment I was told that go ahead and miss that Mom the modification will be voided and I will be placed back through modification and place back on the modification that I was on this didn't happen I was forced to pay {$950.00} for the last 3 months on a trial modification which I told them I could not afford that I paid the XXXX on the XXXX as usual on for the last 3 months and by the XXXX I sold personal items pawn what I could pawn to come up with the {$200.00} I was in communication with them Wells Fargo every month advising them that I was having very much difficulty making that payment and how did they come up with that amount when I'm on social security disability my income is not it's half of what it was when I bought my home back in XXXX I feel like an exception should been considered and I also requested that a complaint was submitted a couple of months ago on the exact issue the problem is the reply from Wells Fargo they advised that I was under the modification of {$770.00} that's been signed in black and white and that is not true the modification is still in place I was forced to pay a modification that was not in writing for the last 3 months or I will be pushed into foreclosure and or my review for a modification would be voided I have the proof that I paid them {$950.00} for the last 3 months they did not comply with the {$770.00} modification that's on file as they indicated to you in their answer of the previous complaint Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FAILED ATTEMPTS TO GET CREDIT OR CARS WITH MY IDENTITY
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXandXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive disputed with Experian, the deceptive collection account from XXXXXXXX XXXX XXXXXXXX alleging i owe debts in the amounts of {$260.00} and {$220.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

XXXX XXXX XXXX submitted me for collection via PMAB after they received payment for account for my dependent via the insurance provider. Services were rendered XXXX for dependent in XXXX VA hospital a XXXX XXXX XXXX. I received a bill and realized they had wrong insurance informative provided them with the information they assured me they would refile. Upon reviewing my credit report collection agency PMAB advise that XX/XX/2018 XXXX XXXX XXXX sent me collections. I have been in communication with both entitys and can not get this resolved. I have a statement showing the patient balance as zero and have confirmed that with XXXX XXXX XXXX. I would like help getting this item removed from my credit report and holding both entities accountable for their discrepancy.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting three separate collections is a company by the name of Franklin Services for what they are stating are old accounts.

I am disputing the validity of these collections and the reporting of them because I do not recognize the debts. Franklin Services does not state who the original provider was, nor have I received a call, text, or email which has furthered my suspicion of these debts that made it onto my credit reports. 

Due to these XXXX  collections being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.