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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2007 ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$470.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Product: Credit card

Statement ending XXXX XXXX  says available {$72.00} Previous balance {$550.00} Payment {$190.00} Purchases/ and OTHER charges {$50.00} Interest {$16.00} New ending {$420.00} XXXX Previous balance {$420.00} Payment {$170.00} Purchases/ and OTHER charges {$190.00} Fee {$39.00} Interest {$17.00} New ending {$500.00} I have not physically used this card since XX/XX/year> for {$12.00}! But yet my account is XXXX?? 

So where are my payments and where are these purchases coming from they can not answer
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX {$180.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$180.00} XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA 0XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Complaint Print XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 1st Round Identity Theft Letters XXXX ( XXXX MB ) XXXX XXXX XXXX XXXX - EQUIFAX - 1st Round Identity Theft Letters XXXX ( XXXX MB ) XXXX XXXX XXXX XXXX - XXXX - 1st Round Identity Theft Letters XXXX XXXX XXXX MB ) XXXX XXXX XXXX XXXX - SWEEP LETTER FOR CFPB  - XXXX ( XXXX KB ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX The account number is wrong showing XXXX the account is unknown the account was open the. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

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

I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Checking or savings account

I went to Citibank at XXXX XXXX XXXX XXXX, Ca. on XXXX XXXX to makea withdrawal from my IRA account. They could not handle it at the branch, but needed me to fill out a form which would be faxed to their office in XXXX XXXX, Texas. The manager, XXXX, assured me the would call me as soon as he faxed the papers. I did not hear from him that afternoon, so I called the next day. The woman who answered the phone said that XXXX would call as soon as he faxed the papers and confirmed my phone number. I did not receive a call. When I received my IRA statement from the bank in XXXX, there was no record of a withdrawal. I phoned the office in XXXX XXXX and found out they had never received that papers that were supposed to be faxed. 
I have copies of the forms I filled out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence and dispute regarding the fraudulent XXXX account ( Account Number : XXXX ) that was removed from my credit report in XX/XX/year>. To my dismay, this account has been reinserted as of XX/XX/year>, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), codified as 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Emphasis on Verification of Information and Rights Under FCRA To further emphasize my rights and Experians obligations, I would like to highlight the following FCRA provisions regarding the verification process and consumer rights : 1. Section 611 ( a ) ( 6 ) - Notice of Results of Reinvestigation Under this section, after completing an investigation, XXXX is required to provide the results to the consumer within 30 days. Additionally, you must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information of the furnisher of the disputed data. 
2. Section 611 ( a ) ( 7 ) - Provision of Information upon Request Upon my request, XXXX must furnish a description of the procedure used to reinvestigate the disputed item, including any contact information of the furnisher of the disputed information and the method used during the investigation. 
3. Section 611 ( b ) - Reinvestigations CRAs are mandated to conduct a reasonable reinvestigation of disputed information. I am formally requesting the details of this reinvestigation process, including the methodology used to verify the reinserted information. 
4. Section 609 ( a ) ( 2 ) - Disclosures to Consumers This section obligates CRAs to disclose to consumers all information in their file, including data used to verify or reinvestigate any disputed items. 

My Rights as a Consumer Right to Receive Investigation Methods : I am requesting a detailed description of the methods and procedures used during the investigation of this dispute. 
Right to Contact Information : Please provide the contact details of the furnisher of the reinserted information. 
Right to Timely Responses : The investigation must be completed within a 30-day period, and I must be promptly notified of the results, as per FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX and I have repeatedly tried to get my free annual credit report from Experian. Here is an example of one of those times. Even though I have already verified myself within the XXXX system where Experian state you can receive your free credit report, I have not been able to obtain my free credit report from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I am told my information doesnt match, which is impossible as XXXX accepts the same information without issue. I was successful sending one dispute online and received an email saying it was ready to be viewed, except Equifax will not allow me access to view the results. Email says I have 30 days to view it, upon trying to do so, I receive a notification saying my information does not match what they had on file. In addition, I removed the credit freeze on this account and yet IT'S STILL THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these immediately : XXXX XXXXXXXX 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

I, XXXX DOB XX/XX/XXXX SS # XXXX contacted all XXXX credit bureaus XXXX, Experian and XXXX about some information on my credit file. I was advised to contact XXXX about an acct I never initiated or knew about until a family member advised me they put me on their acct as an authorized user. I contacted XXXX and had myself removed from the acct and was advised none of this would affect my credit. Then after checking my credit I saw this info on my credit report and it has harmed my credit and affected my score as if I did something wrong. I should not be punished for something I did not do or had no knowledge of until after it was done. My grandmother XXXX initiated these XXXX accounts with my niece on XX/XX/XXXX with {$3000.00} limits. Hence, me being her Power of Attorney she asked for me to be on there but I told her after she done this her actions would affect my mortgage closing and now my credit is shot to ruins. Somehow XXXX used information already known about me as I am a cardholder to associate me and thus used my social security number on this to be reported to the credit bureaus. My credit is now down some XXXX points. I asked the credit bureaus to remove this because I did not initiate these accounts but only to be told to contact the creditor. The credit card says contact the bureaus so I am in a bubble here with no help. I desire to have these accounts removed from my credit file immediately.
Product: Debt collection

Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion XXXX XXXX, I hope this message finds you well. I am writing to express my deep concern and frustration regarding an issue I have encountered recently with accessing my credit report. 

It has come to my attention that, following my reports to the credit bureaus and the Consumer Financial Protection Bureau ( CFPB ), along with consistent complaints directly to TransUnion, I am no longer able to view my credit report. This was not a problem before I initiated these actions. 

While I understand that there may be various reasons for access issues, I find it particularly concerning that this change occurred after I began raising concerns and seeking resolution for inaccuracies in my credit report. If this is a widespread issue affecting multiple users, I would appreciate clarity on the matter. However, if this is an isolated incident, it raises serious questions about the appropriateness of denying access as a form of retaliation. 

I believe in the importance of transparency and fair treatment for all customers, and I trust that TransUnion, as a reputable credit reporting agency, values these principles as well. Access to one 's credit report is a fundamental right, especially when discrepancies are identified and reported for resolution. 

I kindly request prompt assistance in resolving this matter and restoring my access to view my credit report. If there are specific procedures or issues that need to be addressed, I would appreciate detailed information to help me understand and rectify the situation. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution.
Product: Money transfer, virtual currency, or money service

My account was created XX/XX/XXXX with Coinbase XXXX Account changed to XXXX around XXXX could still login up until XX/XX/XXXX XX/XX/XXXX tried logging in from XXXX, account blocked contacted support several times and told it would be resolved, it was not XX/XX/XXXX I contact support via new coinbase account, follow steps to set up account and pass quiz. Support tell me that since my account is high value it will be resolved urgently and funds transferred to my new account. I send a selfie with passport and todays date to support to finish security. Told that specialist team will follow up with email after funds transferred No follow up email 3 weeks later I contact support again and Im told my funds were liquidated because I set my account up with Coinbase XXXX XXXX XXXX and all funds were sent to the State of Wyoming on this date XXXX XXXX XXXX I highly suspect internal fraud at coinbase support
Product: Mortgage

In XXXX, my husband and I endured financial hardship after he endured XXXX for 8 months. 
I applied for a harship and was approved, I was constantly assured that this would include XXXX  payment. 
The documents were sent for signature and it clearly included XXXX payment. They were signed and returned showing this was a forbearance. 
They then went in and placed a 30 day late on the XXXX payment which is totally incorrect. They have done nothing but give me the run around for a week trying to resolve it. During which time other creditors have lowered my credit limits which is affecting my score even more. Every time I call it is someone different with their own interpretation of the situation.A forbearance agreement claims to show no negative or derogatory information during the period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021