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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( XXXX, XXXX, and Equifax ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my right
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 account 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 account 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 account which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; 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 reporting, credit repair services, or other personal consumer reports

I contacted the collection agency and credit bureaus regarding fraud and identity theft on my accounts. No one will help. I placed credit freeze on all accounts in addition to complaints. 

{XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Student loan

Payment Where Being Made But The Correct Amount Deductions Were Not Coming Off Of The Student Loan Balance HELP!!!!!
Product: Mortgage

Shellpoint is my new mortgage service provider. The former company, XXXX, is in the middle of responding to my request for an assessment of late fees, payoff amount, escrow and all the numbers to ensure it is accurate. So, I am waiting for that information from XXXX, so I can be sure when I catch up payments with Shellpoint, it is accurate and I am not overpaying, jeopardizing my equity. 

My concern is this : I called Shellpoint a week ago, and they said that late fees would be begin approximatelyXX/XX/2019, a month after Shellpoint began servicing the loan. Upon my initial complaint with XXXX ( XXXX ), I hadn't officially received my Shellpoint paperwork. So, I have had the Shellpoint paperwork for about 2.5 week, and have known about the transfer for just under a month. Since I am waiting for the accurate numbers from XXXX to cross-check with my Shellpoint paperwork, I felt it better to wait and not pay yet. Once I have the pay off the amount I can feel sure about, my wife and I are in a position to get caught up fairly quickly. We are both XXXX and get lumpsum payments in XXXX. By XX/XX/XXXX we should be set with shell point once I can get the two compaines to confirm the accurate numbers in the loans with regard late fees, pay off amount and other holding accounts.
Product: Credit reporting 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. 

Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Im the one I would like the XXXX XXXX XXXX removed from my derogatory remarks. But the primary reason I am contacting Transunion today is to complain about them deliberately and purposely keeping my credit score down imo to a XXXX despite the fact that I have an excellent payment is 100 % And I have other excellent items on the status of my credit report as well, including an excellent amount of counts and excellent amount of hard inquiries, etc., etc. I could care less about algorithms. With my excellent items on my credit report, especially my XXXX percent payment history my score should be way higher than a XXXX. That score is unfair and light of how good the status of my accounts and payment history on my credit report all with Transunion. I will continue to keep writing these complaints until they become further aware of my excellent percent XXXX percent payment history and other excellent items in good standing and increase my credit. I appreciate my statement being read, and I appreciate any assistance that I may obtain from Transunion. Unfortunately, I will continue to write complaints both on the XXXX  and of CFPB websites. Even if I have to write hundreds of complaints, I will. Thanks for your help. I would also like these complaints that I will be sending over the next couple months to all be published on the XXXX website that could be read by the public.
Product: Debt collection

I have sent Portfolio Recovery Associates LLC three certified letters ( XX/XX/XXXX and XXXX, XX/XX/XXXX, all in 2021 ) to request them to validate these debts as they belong to my father who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accountsare mine but they have either send inadequate information or ignored my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX and JPMCB Auto to remove these fraudulent inquires to no avail.
Product: Credit reporting

In XX/XX/XXXX Experian was reporting a bankruptcy, that they have removed. Now here is where problem the accounts that were so called in the phantom bankruptcy that has been removed. They reverted back to showing on my report that it was written off. Now that is incorrect and need to be removed under the fair credit reporting act. I have sent them registered letter on numerous occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Each time I ask them to investigate that its reporting correctly and the refuse. Reverting back to the incorrect information on the report. I will list the following accounts that are reporting incorrectly on my report. XXXX XXXX XXXX was reporting as in bankruptcy no bankruptcy listed. Now reporting that account was charged off that is also incorrect. XXXX XXXX same explanation as above..XXXX card account # XXXX same explanation as above. XXXX XXXX same explanation as above. XXXX accout # XXXX I have never had a loan with XXXX # XXXX this is being reported incorrectly. XXXX # XXXX this account is also being reported in correctly.
Product: Debt collection

Midwest title loans is calling me at my place of employment I have asked them to stop calling my place of employment and they continue for late payment and calls me 3 to 5 times a day
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to transfer {$10000.00} from my Chase checking account to my account at XXXX. The transfer was initiated from my XXXX account via my online account, and {$10000.00} amount debited from my Chase account on XXXX, but no amount was ever credited to the XXXX account. XXXX first claimed to have rejected the transfer, and most recently, is claiming that they never received the credit from XXXX, the third party bank intermediary for the transfer. Over multiple days and hours, I have been bounced back and forth between the various ACH and Claims departments at each of the banks, each bank telling me that they can not do anything in this situation and that it is the other banks responsibility to file a claim with XXXX because they do not hold the chargeback and/or recovery rights. It is now XX/XX/XXXX, and I am still without access to the {$10000.00} or any resolution in sight.
Product: Credit card

Unauthorized charges were charged on my credit card. I have been contacting them every month and told them I did not make these charges that they were fraudulent. They send me letters that they are investigating and keep charging me interest and late fees. Credit reporting agencies have lowered my credit score.
Product: Vehicle loan or lease

I paid off my car and i requested the title twice i did not recive it
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in removing multiple accounts that are listed as " in collections '' across my credit reports with Experian, Equifax, and TransUnion. These accounts reported are fraudulent and violate the Fair Credit Reporting Act. 
It includes the accounts following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX Account Number : XXXX Please delete immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I, our credit report has been affected significantly because of Rushmore Home Loan misreporting a late in XX/XX/XXXX. After 5 phone calls, we finally received a letter from Rushmore addressing that our loan reflects a zero principal balance as of XX/XX/XXXX. However, per credit bureaus, they need a letter specifically specifying that we were not late in XX/XX/XXXX. Once we receive instruction from the bureaus we made another 3 phone calls to Rushmore customer service to let them know that we need a revised letter stating that we were NOT late in XXXX of XXXX, that the letter received from them reflecting that the loan is at XXXX balance as of XXXX is not been accept it by the bureaus. Per the customer service representative, a request to remove the late had been sent to the credit bureaus. We pulled our credit report on XX/XX/XXXX and the mortgage late still reflects on our credit report. Our fico drops from high XXXX low XXXX down to XXXX & XXXX and affecting to get a good interest rate on our refinance. Please help us get this situation correct it. 
We have been dealing with this situation for the past 5 months and Rushmore has only giving us the run around and affected our opportunity to refinance and get a lower rate on our refinance.
Product: Mortgage

I applied for a home equity loan from Nationstar Mortgage in XX/XX/year>. The process was protracted and there were multiple increases in the quoted rate. I ultimately chose not to move forward with the loan application. The issue is that in XX/XX/year>, before I had agreed to the loan or signed anything other than my disclosure acknowledgments, Nationstar contacted my home insurer, XXXX, represented itself as the holder of a second, perfected mortgage note on my home, and inserted itself as the second mortgagee on my home insurance policy without my knowledge or permission. It did not call XXXX back in XXXX, after we ended the loan application process, to remove itself. It appears that Nationstar was trying to entitle itself to an insurance payout it did not deserve in the event of a catastrophic event.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX1 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Product: Credit reporting

I sent Experian a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Experian responded with the same response. I am asking that you force Experian to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX, XXXX ] [ XXXX, XXXX ] [ XXXX, XXXX ] [ XXXX XXXX XXXX  ] [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XX/XX/XXXX ] As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These are all hard inquiries that are on my credit report that I have no knowledge of or gave permission to check or pull my credit
Product: Credit reporting or other personal consumer reports

After several attempts to send letters disputing inaccurate information on my credit report, I have not obtained a positive resolution to my dispute regarding inquiries. These inquiries do not serve any permissible purpose, such as a firm offer of personal credit, insurance, employment, or a court order. Therefore, I am within my rights to have a report with 100 % accurate information and within the parameters and rights granted to me by the FCRA. Additionally, I request detailed information on the verification method used for the investigation, including the date, time, and the name of the person with whom communication was conducted. I also request that you reconsider my dispute once again.