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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, Equifax and XXXX keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.
Product: Checking or savings account

On XX/XX/XXXX I phoned Ally and spoke with XXXX to request requiring two-factor authentication ( email and phone ) whenever I log in to my Ally account. He created case # XXXX and said somebody would contact me within two days. 

Nobody contacted me so I logged into my Ally account - which I really didn't want to do, as another non-Ally password was hacked and I'm concerned about security - and sent a message asking for two-factor verification. XXXX XXXX responded that the request # XXXX was created but did not go through. She created another case # XXXX to escalate the case. Also another case # XXXX - I have no idea what that's for. She wrote " you will still receive multi-factor authentication notices/security code requests to your trusted devices as well as from any other device via different location, public facility, hotspot, which will alert you should anyone other than yourself is attempting to log into your Ally Bank XXXX '' which is completely NOT true. I was able to log in just now and it only asked me for my password and sent ONE code, to my email, rather than the TWO codes I had requested ( an additional code to my phone ).
Product: Credit reporting or other personal consumer reports

See attached. You have failed to correct an error YOU created on my credit! To this day that error remains on my credit report. I will not allow you to keep XXXX up my credit with your incompetence!
Product: Mortgage

Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated 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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq.

4 Pub. L. No. 108-159, 117 Stat. 1952.

5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.

6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following errors and violations : Eexperian reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 10 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to XXXX XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Experian investigated and removed from my credit report in XX/XX/XXXX. However, it does not excuse Experian for violating my consumer 's rights. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 10 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand to be paid for the 10 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692 and Violations of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account never used applied or know what card this is fraud called close remove it never opened this ruin my credit I want off my report please XXXX not right no authorization on there I didnt not apply or open please remove Ive disputed several times called try pay off fake amount this fraud and stealing money I have no idea who XXXX XXXX is thank you please remove Im trying refinance my house
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX. account number # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They do not belong to me, I will never authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

I notices unauthorized inquiries on my credit report that I would like removed according to the FCRA these unverified and unauthorized items must be removed this isnt my first time writing on filing complaint about these inquiries either.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I paid UAC the settlement amount of {$1800.00} back in XX/XX/XXXX, but I never received any correspondence or my release of lien from UAC. I have not received any form of communication from UAC. I want my debt settled and I want to receive my release of lien document so I can get a clean title to my XX/XX/XXXX Mercury Mountaineer.
Product: Credit reporting or other personal consumer reports

I am not affiliated with these debtors and did not initiate these inquiries. I strongly recommend that they be removed from my credit report immediately.
Product: Mortgage

My husband ( XXXX XXXX ) and I ( XXXX XXXX XXXX ) are being preyed upon by an illegitimate company attempting to foreclose on our house using a 2nd mortgage that we settled on in XXXX. 
XX/XX/XXXX we entered into a 2nd mortgage loan agreement with XXXX XXXX. We made payments through XX/XX/XXXX. In XXXX the mortgage was sold to XXXX XXXX, wherein our payments were being made by us, but not accounted for by the mortgage company. We worked with XXXX, XXXX, XXXX XXXX XXXX XXXX ( now out of business ) XXXX settled with XXXX XXXX. We did not hear anything regarding the loan until we received a statement in the mail postmarked XX/XX/XXXX stating we had defaulted on our 2nd mortgage. This company has now hired XXXX XXXX XXXX XXXX to add the loan onto our credit reports as of XX/XX/XXXX, which hasnt existed on our credit since XXXX, and the law firm has proceeded to file foreclosure paperwork on behalf of Linear XXXX 
We have researched Linear XXXX XXXX XXXX  and comes back to a residence in Florida. The statements are sent and printed on what looks like a home printer. We consulted with an attorney that also found this company to be questionable and advised us to report this incidence to the STATE and Federal authorities for potential fraud. 
In summation, we did not have any correspondence regarding this loan since XXXX and now our home is being foreclosed on by Linear XXXX XXXX XXXX. We feel this business is being predatory and are in fear of losing our home. 
We hope you can guide us to some solutions. 
Thank you for your time, XXXX XXXX XXXX, XXXX XXXX TIMELINE : XXXX XXXX XX/XX/XXXX No financial records XXXXXXXX XXXX XX/XX/XXXX During XXXX : Payments were not being accounted for by the mortgage company. 
We worked with XXXX, XXXX. Due to the mishandling of the loan, the mortgage company and firm determined XXXX XXXX XXXX XX/XX/XXXX Linear XXXX XXXX XXXX XXXXXX/XX/XXXX sends default notice to XXXX. 
XX/XX/XXXX mortgage shows up on credit report XX/XX/XXXXXXXX XXXX receive notice of foreclosure from XXXX XXXX XXXX XXXX PARTIES INVOLVED : LINEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ID XXXX Phone : XXXX Phone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX
Product: Debt collection

I had sold and item thru XXXX  several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX. 
This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX  site, and they have blocked my access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information has been stolen. I am a victim of the XXXX 2017 Equifax hack
Product: Credit reporting, credit repair services, or other personal consumer reports

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX XXXX  # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ( i never stayed in florida ) . 15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 ) ( 1 ) 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. 

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I received a credit statement from XXXX XXXX Comenity requesting payment for a debt of XXXX with interest from an account opened in XXXX XXXX without my knowledge or consent. I believe I'm a victim of identity theft. 

I contacted the company to dispute this debt but was told by a representative that the company could not discuss the debt with me unless I provided my social security number or account number. I do not have the full account number and felt uncomfortable giving out my social security number. I then contacted the creditor in writing to dispute the charge and requested a copy of the credit application but never heard back from the credit card company. However, I continue to receive billing statements in the mail. In addition, I immediately disputed the debt with the three credit bureau : XXXX, XXXX, XXXX. The debt was disputed online in XXXX XXXX and I added a statement to my credit report. However, the debt is still posted to my credit report as past due balances.

I filed a second complaint again In XXXX XXXX because I saw a note on my dispute ticket that the investigation was complete, but no written statement of the results. I redisputed the debt again in XXXX XXXX, only to see a statement that reads, " This item was updated from our processing of your dispute in XXXX XXXX ''. This debt was not validated within the 30 as per Federal guidelines. I did not receive a written letter explaining the result of my claim. 

I write with the intent to have this fraudulent debt deleted permanently from my credit report.
Product: Credit card

After making the last complaint about XXXX XXXX and having them fix the issue, they instead processed a payment that was not made by me. Instead they made the payment on my behalf without permission. When I called to have it corrected the customer service rep stated that it wasn't fraud for them to pull money not authorized from the account. When I asked for a supervisor she informed me I could talk to one at a later date as she was not willing to transfer me over. She refused to identify herself and ended the call stating she processed a refund in the amount the basically stole from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. 
Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.
Product: Debt collection

Subject : Complaint Regarding XXXX XXXX/Midland Credit Management Lack of Written Confirmation for Account Deletion To Whom It May Concern, I am submitting this complaint regarding a situation involving XXXX XXXX XXXX and Midland Credit Management ( MCM ) that is negatively impacting my ability to secure a mortgage. 

Background : I previously held a credit card account with XXXX XXXX XXXX  ( Account Number : ( XXXX ) but had some hardships and late payments last year XXXX. The account was later sold to Midland Credit Management ( MCM ), who became the new account owner. Upon learning that the account had been transferred, I contacted MCM to negotiate payment in full on XX/XX/XXXX, with the understanding that this would result in the removal of the late payments from my credit history. 

I specifically confirmed with MCM that my account and all associated negative marks would be deleted upon full payment. However, the letter I received from them does not include any mention of account deletion, which has made it impossible for my mortgage lender to proceed with my home loan application. 

Key Issues : 1. Lack of Written Confirmation from MCM While MCM confirmed verbally that my account would be reported as deleted and that late payments should be removed, they refuse to provide written documentation stating this.

2. XXXX  XXXX XXXX XXXX XXXX has informed me that they have no record or access to my account, despite the fact that they were the original creditor and the entity that reported the late payments. 


3. Mortgage Application Impact Without written confirmation from MCM, my lender can not proceed, even though the account has been paid in full and MCM states they have not reported it. 



I am requesting the CFPBs assistance in obtaining written confirmation from Midland Credit Management that they will not report this account and that the late payments previously reported by XXXX XXXX should be removed. 

Resolution Requested : 1. Midland Credit Management should provide me with an official letter confirming that the account was paid in full and will be deleted and reported to the credit bureaus as such. 


2. XXXX XXXX should provide written confirmation stating that they can no longer verify or retain records of this account, which may allow me to dispute the late payments with credit bureaus.

3. If neither company is able to resolve this issue, I request the removal of the late payments and entire account from my credit reports due to the lack of verifiable records. 



I appreciate your time in reviewing this complaint and look forward to your assistance in resolving this matter. 

Sincerely, XXXX XXXX