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

My problem started with XXXX  XXXX XXXX selling or transferring my account held with them to account to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, after it gave me a 3 month grace period for payment because of a government program for hurricane Irmas relief, by which I was affected. This happened on XX/XX/XXXX which was the only month I didnt paid the mortgage to XXXX  XXXX XXXX, by then I had planned to pay that missing month splitting the amount with the payments of XXXX, XXXX and XX/XX/XXXX. While this happened XXXX  called me in XX/XX/XXXX after I had made the first payment in XXXX and offered me another plan to extend the grace period until XX/XX/XXXX and deferred the payments missing to the end of the loan. While this happened I found out by XX/XX/XXXX that XXXX transferred or sold the loan to be managed by XXXX, By then XXXX  began to go after me for the payments missing as if there was never a program approved at the time, since they did not approved anything nor were they told by XXXX of this agreement, nor did they ever provide such to XXXX  the paper dodging had begun. It was then that I explained the situation to XXXX  when we started negotiations to fix the confusion created by XXXX and they offered to have a loan modification to help me with the situation as their only option. Doing this loan modification, XXXX  reported the payments done during the trial period as if they were never made as shown in the credit report for XXXX and last XX/XX/XXXX in which no payment was required when the loan modification was approved beginning the regular payments on XX/XX/XXXX. This is not counting all the time wasted by XXXX  sending me 3 different contracts to be sign after that on the approval, since the previous two had errors.

During this time, I was making all payments as required of me, but they were not being reported. Each missed payment reporting onto my consumer credit files, and damaging my creditworthiness with them and all potential future lenders. The trail period with XXXX  was reported as missing payments and this is not the case. I feel I have been abused in this process and given the run around, in the meantime my credit files have me listed in a derogatory manner on payment history and it affects me during this time of Covid19 to qualify for loans which I need. I have always made my payments on time and have always lived up to my obligations. I ask this agency to intervene on my behalf and offer the mediation which I need to bring this matter to the appropriate agency/person so that this is resolved. 
I am asking for a resolution in real terms, and have these multiple late history, which is factually inaccurate and a result of error or negligence either by XXXX  XXXX XXXX or XXXX XXXX XXXX. This is causing me problems and I am asking for more than the standard reply from both XXXX and XXXX  which has to date done nothing to correct the matter which they created.
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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

Mortgage in my name XXXX car loan a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past XXXX  years any thing open now is fraud not me
Product: Credit reporting

SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- 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

I reached out sending letters to XXXX XXXX and XXXX but they cant provide me with ownership that this is my account or my wet signature. This needs to be resolved and taken off immediately
Product: Checking or savings account

BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response dated XX/XX/XXXX informing me that I had not met the requirements for the bonus. I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with transUnion issue : THE XXXX  XXXX XXXX/ XXXX  - account closed. never used.- 10 point down. 

Between XX/XX/XXXX and XX/XX/XXXX, your XXXX   XXXX XXXX  automotive account balance decreased by {$390.00} from {$2500.00} to {$2100.00}. no increase in points XXXX XXXX XXXX- hard inquiry. 21 pts DOWN to XXXX To accounts closed and credit keeps going down because TransUnion notifies the bad but not the good! 

Please update the payments history and closed accounts How much will credit inquiries affect my score? 
The impact from applying for credit will vary from person to person based on their unique credit histories. In general, credit inquiries have a small impact on your FICO Scores. For most people, one additional credit inquiry will take less than five points off their FICO Scores. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Please change this account status as it is not in collections. This account is paid in full, closed, and no payment is due. Payment history shouldn't show in collections or charge off. Please remove deragtory payment history, remove incorrect remarks and incorrect account status remarks please. Please report corrected information to all 3 bureaus as soon as possible. Thank you.
Product: Credit card

Over a year ago I transferred balances to Capitol One hoping to save on finance charges while I paid off the principal. Capitol One still charges finance charges even though I pay on time every month. I contacted them and they are unwilling to help me with this. I can not afford the finance charge. I owe {$2000.00}. The due amount only goes higher. I transferred my balances to Cap One in hopes that I could resolve my debt.
Product: Credit reporting or other personal consumer reports

I have been contacting the 3 credit reporting agencies Equifax Experian and Transunion to inform them I have been a victim of identity theft I also sent over supporting documents such as my government issued Drivers License and A copy of my Social Security Card with written statements informing them of the cruel intentions done on my credit report. I also sent over a Certified Affidavit of Truth as well as Certified Cease and Desist to all 3 reporting agencies Equifax Experian and Transunion I also have been compromised in the data breach as well and there has been no satisfying updates to my report even after going through all the measures to prove I'm not responsible for the collections I'm not responsible for all the hard and or soft inquiries I'm asking that these things be fixed for attribution is next because this has caused a hardship I can't apply for anything with my credit being damaged it has made me living wise hard to obtain housing for me and my XXXX daughter I'm asking for help to get these things adjusted and fixed so I can return to society in peace knowing no one can attack me or harm me again I also see a eviction reflecting on my reports as well and I have never been associated with the address for the eviction please I need help
Product: Credit reporting or other personal consumer reports

CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX, DC XXXX Subject : Complaint Regarding Improper Use of Credit Report by Experian Dear CFPB, I am writing to formally submit a complaint against Experian regarding the improper use of my credit report. 

Details Ive sent all of my supporting documents to Experian on how I use my name. XXXX XXXX XXXX, XXXX XXXX XXXX ( CORRECT ), XXXX XXXX ( WRONG ) On XXXX improper use of my credit report. This hasn't done anything but cause significant distress. 

I have taken the following steps to resolve this issue : contacting Experian, disputing the information, etc. 

Despite my efforts, the issue remains unresolved. I believe this constitutes a violation of the Fair Credit Reporting Act, and I am requesting your assistance in addressing this matter. 

Please find attached copies of all relevant documentation. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year> 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : -Has caused me to be denied a rental and I am fleeing a XXXX   XXXX/XXXX  and discovered that Experian was emailing my information ( based off my social security number ) to an email address that is not related to me or ever has been. 
-Has addresses on my report in which I have never resided. 
-Has reported as still active and delinquent a credit account that was paid off. 
-Has no customer service representative or contact in order to dispute unanticipated credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX  - XXXXXXXX - XXXXXXXX - Transunion and XXXXXXXX XXXX - XXXX and XXXX XXXX - TransunionThese accounts are a result of fraud.
Product: Debt collection

This account was open fraudulently and while I was XXXX XXXXXXXX XXXX I sent police report numerous times and they still not deleting this fraudulent account
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to XXXX XXXX. XXXX of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

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

Hello, I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

1. This Inquiry was not authorizeXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, Experian, and XXXX about the Federal Violation of 15 USC 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 INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE XXXX, EXPERIAN, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short sale was started on XX/XX/17 and several faxes have been sent to XXXX since then. On XX/XX/17 I spoke to XXXX. The rep stated the homeowner had just recently directed XXXX to NOT contact myself or XXXX XXXX XXXX for anything whatsoever, regardless of the signed Authorization Letters they have on file. XXXX is refusing to contact us when documents are needed, and when appointments need to be made. After speaking with the homeowner it became obvious that this was an outright LIE. The homeowner had, in fact, NOT discussed ANY kind of authorization over the phone with XXXX AT ALL, and certainly not in recent months. 


Today, XX/XX/17, we were told the homeowner needed to call in to XXXX at XXXX to correct this error in XXXX system. The homeowner called in to XXXX and requested XXXX to make XXXX XXXX XXXX as the primary contact for all loss mitigation communication. The rep laughed at the homeowner, told her they didnt care that XXXX directed this phone call to be initiated by the homeowner, nor that XXXX already had multiple authorizations on file for XXXX XXXX XXXX, and outright refused to make the requested changes to her account via phone. 


Since when does a homeowner not have the right to direct their lender in how they communicate with authorized third parties authorizations that they, the homeowners themselves, signed? 


This short sale has been opened less than 30 days and XXXX has already committed several illegal acts : ( 1 ) violating servicing guidelines, ( 2 ) deliberately lying to their clients and their authorized third parties, ( 3 ) committing elder abuse against their own client. 


Is the reason they do n't want anyone to speak on this loan is because they have discovered that the seller was taken advantage of and never had the income to afford this home from the time she bought it? What is XXXX trying to cover up? Do they believe they can bully an elderly woman? The debt collection division apparently does as they call her multiple times a day making XXXX threats. 


I fully expect XXXX to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against XXXX. Well, I have read many other CFPB complaints against XXXX and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by XXXX does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at XXXX? When is the CFPB going to hold XXXX accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I

m 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much appreciated.