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

Identity theft. A company I was contracted with ( signed contract by all parties available ) used my personal information to obtain loans and then defaulted on said loans. The signed contract specifically stated the XXXX XXXX XXXX XXXX XXXX liable for all money raised and used for commercial real estate investing purposes. I raised over {$85000.00} for commercial real estate investing and provided that money to the company for investing purposes. Investments were never made and the money was used fraudulently. they breached the contract and for that reason I am suing them in the XXXX XXXXXXXX XXXX XXXX XXXX Please see the lawsuit petition attached to confirm the lawsuit exists. Because of the theft of MY personal information to obtain funds fraudulently, I have requested the credit reporting agencies block all negative accounts listed on each of the 3 credit reporting agencies records. I formally requested this action take place per the FCRA in XXXX XXXX XXXX and have the proof of delivery of documents from the USPS on XX/XX/XXXX for TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX These documents are attached to this complaint. TransUnion, XXXXXXXX XXXX XXXX have not followed the laws that are in place to protect consumers and I am requesting assistance in enforcement of these laws. My credit was profoundly damaged because the ID theft and fraud from the contract breach of which I am suing for. I expect the laws to be followed and all negative items listed in the letters sent to the CRA 's on XX/XX/XXXX be deleted within the 4 days the law allows.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$390.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Balance {$2300.00XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
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 Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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.
Product: Credit card or prepaid card

I purchased furniture from Macy 's. The product arrived so damaged that I could not return in the packaging that was provided. I offered them the opportunity to refund half of the purchase and I would keep the furniture and they would not have to pick it up. 

Since COVID19, they closed all customer service including their credit card servicing department. I filed a dispute and have heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting a previous case ( XXXX  ) which was closed without resolution. Despite the response from Equifax claiming that the issue has been resolved, it has not. I just had another 21 minute call with Equifax with no success. It seems to me that you should check with the consumer who submitted the complaint before closing it.

The original complaint : My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX  since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XX/XX/XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents onXX/XX/XXXXbut received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( Case # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX  account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.

The Equifax response : Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that the name on the Equifax credit file has been updated. We are excited to announce that we have launched our Lock & Alert service. Lock & Alert was created with a simple premise : that you should be able to conveniently control access to your Equifax credit report, for life, and for free. We believe that credit responsibility is important, and Lock & Alert helps put you on track. Please visit our website ( www.equifax.com ) or contact our call center at ( XXXX ) XXXX from XXXX  to XXXX  ( ET ) 7 days a week to learn more and enroll. Please note that for future disputes of credit report information, you may call XXXX or visit www.equifax.com.

The current situation : I still can not access the Lock & Alert service on Equifax. Despite having submitted the legal name change documentation they requested, twice by email and once by postal mail, they still say my name does not match the name on my credit file. Every time I call they promise to escalate and get back to me in 7-10 days. Other than the response I got from my complaint filed with the CFPB, Equifax has never once responded to me no matter how long I wait. It seems that I am unable to resolve this on my own.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged.  When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms.  I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015.  However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me  $XXXX.  I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall.  Now they threatening to start foreclosure against me  and to report me to the credit reporting agencies while I am current in my payments.  I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore.  Your help will be greatly appreciated.
Product: Credit reporting

I applied for a XXXX XXXX/XXXX/2015 and was approved for a XXXX credit. I was told this account would report to transunion and I should allow XXXX days to see this account on my report. After XXXX days I called Transunion and was advised they do not show this account being send to them on my report. I called XXXX and was told they reported on XXXX XXXX, 2015, XXXX 2015, XXXX 2015, XXXX 2015 and was also given a XXXX increase due to my on time payments. 

Please update my credit report with the information XXXX XXXX XXXX reported.
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 USC 1681 XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 XXXX 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.
Product: Student loan

Hello. My son, XXXX XXXX passed away XX/XX/XXXX. Two years before I wrote to have my name removed as co-signer. I never heard anything and assumed it was done. When he passed, Navient claimed they removed his federal loan and left the private loan. I have asked to have this looked at for years and no one responds. I received a notice from XXXX in my son 's name on XX/XX/XXXX, which means the loans are still in his name. I have been paying on this loan since XXXX and every time I have asked for a breakdown of what they did, I get no response.
Product: Mortgage

I contacted Citimortgage to attempt to remove PMI from my mortgage loan. The conditions under which they would remove the PMI ( XXXX % XXXX with a new appraisal ) were different from the paperwork I signed at my closing ( XXXX % XXXX with new appraisal ). My original loan was with a different company, but they sold it to Citimortgage. I paid Citimortgage for an appraisal as the identical unit next to mine appraised a few months prior well below XXXX %, but it came back at XXXX % XXXX. I asked for a review of the appraisal as one of the homes they used was in horrible shape and on a busy street, but they refused to adjust my appraisal. Regardless, I do not feel the terms under which PMI is removed should be different from the original loan paperwork I signed ( which was XXXX % XXXX XXXX
Product: Credit reporting or other personal consumer reports

n Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Vehicle loan or lease

Didnt apply for auto loan application Carmax XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I'm concerned about the unfamiliar inquiries on my credit report. I didn't authorize nor consent to these companies accessing my information or have applied to them, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Debt collection

Hello, I have tried to have this account that has erroneous information removed on different occasions, I contacted the company on different occasions until now they sent me the information that they have that is different from what they are reporting and they are violating the law of fair credit. I gave them proof of what the agent supposedly says I owe and what they are reporting, which are different amounts and are violating federal laws. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$920.00} Here I send you proof that what I say is true, I send you the information that the agent of said company sent me and requested additional payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Name is XXXX XXXX. 

I took a master credit card ending with # XXXX issued by Synchrony Bank in XXXX/XXXX XXXX 
I did a spend of approx {$80.00}. I had taken the card at one of the sams club. 

the person who issued me the card took my email address and residential address all wrong. as a result i never got my credit card statement and i was not aware of the due payment. bank reported it to credit agency. 

one day in XXXX/XXXX, XXXX bank called me notifying of missed payment and then I came to know about this pending payment. I got the email address and residential address corrected in their system and i also made the due payment. 

i told bank the reason of missed payment that I never got the statement in email or my address, bank also realized the miss at their end that the contact details were wrong. so they asked the credit agency to take the missed payment off my record. this request bank sent to credit agency in XXXX, XXXX. 

i was told within 60 days the missed payment would be taken off my record. it is more than 90 days and i am not getting any satisfying response from bank on this issue. 

they are not responding correctly and are wasting my time. 
due to this issue my credit score dropped more than XXXX points and i am facing issue getting good mortgage rate and my plan to purchase a home is getting delayed. 

i seek compensation from bank and immediate resolution on this issue please. 

appreciate all help. 

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

I was approached by XXXX XXXX XXXX to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX Experian ''. 
I contacted Experian and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. The accounts listed in this report should not be listed on my personal consumer reports as they are in violation of the Federal Credit Reporting Act ( FCRA ) according to 15 USC Code 1681S-29 ( a ) ( 1 ) ( a ) & ( c ). Also, per FCRA 15 U.S Code 1681-B, it states that permissible purposes of consumer reports ( a ), in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave the listed agencies my written/verbal consent or instructions to report anything on my personal credit reports, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer, I am demanding the deletion and removal of the listed accounts IMMEDIATELY.
Product: Student loan

My loan was transferred to UHEAA from XXXX. The monthly payment increased from XXXX to XXXX, they are unwilling provide an explanation for this increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request.