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

TRANS UNION CREDIT BEAUREAU : 1. Submitted on XXXX XXXX, 2023 File number : XXXX Completed on XXXX XXXX, 2023 ITEM IN DISPUTE : XXXX XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated.
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; 6XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4300.00}. 

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 or other personal consumer reports

I sent a letter requesting to have these incorrect addresses removed from my credit report as they don't belong to me. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud aler or ANY other fraud and/or alerts to be on my credit report
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit card or prepaid card

On XX/XX/14 I purchased a DJI FPV drone on XXXX for XXXX .I paid immediately, after a few days I contacted the seller asking for a delivery date.he informed me that the drone was damaged before he could ship it so he was canceling the shipment..within a few days I received a notification of a label has been created and their was a tracking number..I am being forced by XXXX to pay for something I never receivedthe XXXX XXXX tracking number is XXXX if you google the number it shows XXXX XXXX never recieved the package..their is no proof of shipment or delivery I have disputed this over and over.XXXX says that I received a tracking number and for them that is good..if I do not pay it will damage my credit.
Product: Mortgage

In XX/XX/XXXX, I received a loan modification for the mortgage on my home that I have lived in for 22 years. It was a principal and interest only loan, with my monthly payment totaling {$440.00}. The loan was made possible by extending the years on my previous mortgage, which thereby lowered my payments. The interest rate was fixed for a 30-year term. In order to be accepted for this modification, I had to go through a 3 month trial period to ensure full payments of {$440.00} were made by the first of each month. I met this requirement and therefore, my mortgage payment stayed at the rate of {$440.00} for the remainder ofthe loan. I knew that this was a principal and interest loan, and that I was responsible for paying real estate taxes and home owner 's insurance, as was directed on the signed contract. I continued to pay my taxes and home insurance and am current on all payments up to this date, XX/XX/19. 

Approximately a little over a year after my XX/XX/XXXX modification started, I received a bill from Citizen 's Bank/CCO Mortgage stating I owed approximately {$5000.00}. They said that they had mistakenly not included escrow in the modification from XX/XX/XXXX and  therefore, owed this amount. But, I had paid the town of XXXX, MA for all the real estate taxed owed as well as paid my home owner 's insurance. I tried to set up an escrow account with CCO mortgage from that date forward, and provided them with proof of all the last year 's taxes and insurance payments. They did not agree to this. I have made several attempts to resolve this issue and am still paying real estate taxes and home owner 's insurance, as well as my {$440.00} monthly mortgage payment. CCO Mortgage claims that they have been paying the real estate taxes and insurance, and now say I owe them thousands of dollars, as this issue has gone back and forth for the past few years with no resolution. 

I have provided to CCO mortgage all documentation and proof of taxes and insurance payments, and can still provide this documentation, if needed. At this time, they are threatening foreclosure, though I've continued to make timely payments. I appreciate receiving the modification, which allows me to stay in my home, and just wish to resolve this issue as prorrptly as possible.
Product: Mortgage

Carrington Mortgage took over my loan after XXXX XXXX XXXX sold it to them in the process of the pandemic modification. All the while that Carrington received my loan they stated they were waiting for the package from XXXX XXXX XXXX, I made mortgage payments every month according to the amount agreed on with XXXX XXXX XXXX. Carrington originally had that agreement but wants me to sign a new package with a different interest rate, higher balance and has sent inaccurate information to my credit report agency. They claim they sent me a package by email when they first got the loan and that I had to print and sign, that has expired and now they won't honor those amounts. That is pretty tacky. They state I am delinquent on my payments and I have proof that I paid the mortgage every single month since they took over. Now I am being forced to sign a package that I do not agree on, XXXX even stated that Carrington must honor the same package they sold to them and Carrington now refuses to accept a payment until I sign. I am frustrated beyond that this company is getting away with doing this to consumers! My credit score is very low because they are stating I have not paid a payment in 13 months or so, which is false and I have my bank statements to prove it. It's funny how they have accepted all my payments. Not to mention, when I call them you can not get a direct person they tell me I have to speak to some guy XXXX XXXX who only communicates by email. I have spoken to him one time on the phone. They call me everyday to ask me for the signed package and I have to keep explaining my story. Please tell me what my options are.
Product: Debt collection

Midland Credit never answered my XX/XX/2023 compliant. 
Consider this Served Notice!!! 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I need to see your chain of title as well!

Bond insurance- Any signature I have supplied your company!
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. ACCOUNT XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Product: Credit card or prepaid card

regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX
Product: Mortgage

They are not working with me has been 5 months I want to go to next lender need my appraisal I paid for they won't send it was don't two months ago
Product: Credit card or prepaid card

XX/XX/XXXX paid {$2800.00} for airline tickets XX/XX/XXXX paid {$7100.00} charged double for the exact same airline tickets. 

I notified the credit card company XXXX XXXX they denied my claim.
Product: Credit reporting

Submitted via mail on more than one occasion that my credit was pulled in error on XXXX/XXXX/2015 by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manager at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus in trying to help resolve this. Each told him I would have to dispute with them. I did and have yet to hear from Experian about a status or that an investigation has been completed.
Product: Credit reporting or other personal consumer reports

See the attached FTC Report concerning the unauthorized inquiries as listed : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has been has been taking claims and then reversing the fees even after I worked with the consumer and was advised by the consumer themselves to contact the bank. The company, in certain cases even authorized a partial refund as the problem continued. I contacted the bank they issue a refund and file the claim but, then would reverse the charges at very inopportune time during the holiday. As well as all year. I had another issue where they just out right refused to file the complaints fully through at all and the error was their own and I even had a banking reference number and contacted to make sure the funds were available before submitting the payment. And in addition, I was offered a presidential reimbursement, where Mr. Trump, Mr. Obama and my dad as well as a couple friends ... left checks written out to the bank with my name on it as the person it to be in care to. I understand this may not be a typical form of payment to some, but I was advised they leave the checks at the branches they are typically closest to and will even reach out to the other ones in moat cases. There is no reason that my claims should be reversed back especially my claims are of legitimacy even with out compensation offering to my claim filings. Also, I noticed anywhere from a 50 to 150 with holdings from my balance Like is just lost in air space. Please help ASAP to have this situation financially reimbursed on my behalf immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding TransUnions failure to properly investigate and remove fraudulent accounts and inquiries from my credit report after I was a victim of identity theft. Despite following the necessary procedures to dispute these errors, TransUnion has ignored my requests and failed to take corrective action, negatively impacting my credit profile. 

Steps Taken to Address Identity Theft and Dispute Errors XXXX. Filed an Identity Theft Report Upon discovering unauthorized accounts and inquiries on my credit report, I promptly filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX. A copy of this report was included in my dispute submission to TransUnion.

2. Placed a Fraud Alert and Credit Freeze I requested and successfully placed a fraud alert on my credit file through all three major credit bureaus ( TransUnion, XXXX, and XXXX ) and initiated a credit freeze to prevent further fraudulent activity.

3. Submitted Dispute to TransUnion On XX/XX/XXXX, I formally submitted a dispute to TransUnion, providing detailed information about the fraudulent accounts, including : A copy of my government-issued ID Proof of residence A police report/FTC Identity Theft Report Copies of statements showing fraudulent transactions A written statement explaining the disputed items 4. Followed Up on Dispute After not receiving a response within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), I contacted TransUnion multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail to check the status of my dispute. 
5. Received No Resolution from TransUnion Despite providing all necessary documentation, TransUnion has failed to remove the fraudulent accounts from my credit file. They have either ignored my dispute, provided generic responses without investigation, or reinserted the fraudulent accounts without proper notification.

Requested Action Due to TransUnions noncompliance with FCRA regulations, I am requesting the CFPBs intervention to ensure that : TransUnion fully investigates my dispute and permanently removes all fraudulent accounts and inquiries. 
TransUnion provides me with a written statement detailing the results of their investigation.

I receive a corrected credit report reflecting the removal of all fraudulent information.

TransUnions failure to address my dispute has caused financial harm, including lowered credit scores, denied credit opportunities, and undue stress. I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal regulations and properly corrects my credit report.

Thank you for your time and assistance in resolving this matter. Please feel free to contact me if further information is required. 

Sincerely, XXXX XXXX
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

According to Federal Law, ************ Only a CERTIFIED DATA FURNISHER**************, Whom Is Verified Via XXXX XXXX Experian XXXX And Or, XXXX Is Able To Report Data To A Consumer Credit Report Via The United States Of America XXXX As, " XXXX XXXXXXXX XXXX XXXX XXXXXXXX " IS NOT A DATA FURNISHER ; Therefore, Is NOT LEGALLY ABLE TO REPORT ANY DATA UPON CREDIT PROFILE. 
Violation Of Consumer Federal Laws : -15 USC 1681 b ( 2 ) -15 USC 1681 ( q ) -18 USC 1028 A -15 USC 1681 c-2
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XX/XX/ and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I'm tired of calling GM Financial because all they do say is that everything looks good on their end but they refuse to understand my request. I am in the process of buying a new home and GM financial continue to report a payment due for my lease end on my credit report. I've spoken to them multiple times and they advised me that its paid off on their end. I continue to request for them to remove this from my credit report because it is affecting my ability to get approved for a loan. I returned my lease in XXXX. Its been 5 months I been trying to get this fixed! 

My credit report is showing due {$840.00}, the exact amount for the lease end fee. However, I leased a new XXXX before returning my old one which waived all termination fees and excessive wear and tear. I spoke to 5 agents at GM Financial and even received a letter stating that my account is paid in full. If I lose my chance to purchase my home because of a simple issue like this, I will take further legal action.
Product: Debt collection

This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection. 

COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report and contacted the credit bureaus to state that I believe someone applied for something in your name. 

I informed them that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed from my credit report. 

I informed them that I filed a report stating that the items were fraudulent. 

After multiple requests, the credit bureau has not removed the hard inquiries from my report. 

Additionally, there is a fraudulent motor vehicle loan account from XXXX on my credit report. The same scenario has applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX