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

In XX/XX/2021. We removed our Credit Freeze to use our Credit. We required a Loan to Buy a replacement Car. 
We were turned down by some Lending Institutions. We did secure a Bank Loan and make a purchase. My Wife received notifications from Credit Reporting Agencies. One Agency saw fit to send my Report to MY DEAD FATHER. OR was it my REPORT? Whodunnit : equaf.. in GA AGAIN. I've been Victim of Identity Theft. This has to stop. It is required by Law we get these notifications when our Credit is declined and by whom. They have XXXX  this AGAIN. Collecting and dispersing my DEAD Father 's Data as mine AGAIN. I've called many times since. Promises, promises ... The Ball is in your COURT. XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX MTR XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written request, the unverified item listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself by this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX, physically & financially... and I would truly not what to pursue a legal remedy... 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

In XX/XX/2021 my bank account info was stolen/hacked. My bank notified me immediately, denied the attempts to use my card, and I changed all banking info immediately. I later discovered that a loan was fraudulently opened in my name. I disputed it with the companys fraud department, and they agreed that it was opened fraudulently and agreed to remove it and any negative info immediately from my credit reports. I have filed identity theft reports, I have all confirmations and records, and I notified the credit reporting agencies of the inaccuracy of the loan. TransUnion and XXXX  are inaccurately reporting even after being aware of the situation. Im unsure about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Khols Department XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n 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 U.S.C 1681. 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 XXXXrtment XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates the report by more than XXXXeven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Loan amount {$500.00} taken by me on XX/XX/23 No explanation of the Finance charges {$1800.00} or Annual percentage rate XXXX % by a representative I was just told to sign the forms. I later realized this annual percentage rate was not normal for personal loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$610.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$3200.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$7800.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$6300.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$5100.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3400.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

From XXXX XXXX, congratulations on paying off your student loan! 
In today 's world, it 's not always easy to manage debt, use credit wisely, and keep up with the demands of your career and personal life. But you 've done it, and we applaud your success.
Product: Vehicle loan or lease

Denied my online payment many times provided false information to make a payment. The phone numbers on my old statements or emails dont work repo when I was over paid XXXX $ waiting until the weekend to repo so I cant do anything lied about financial hardship agreement blank information on repo work order has a auctioneer ready to seize in 1 day made many many over payments and quite a few double payments that never applied to my principal deleted my payment history off my online account. Purposely miss guided well quite frankly lied about how I can pay and gave complete wrong information on money gram asked for stuff that I cant even attach into their email formats. I didnt know about predatory lending until today and I believe this is a huge criminal organization that hides ands mis directs customers into a grey area. I have the cash on hand at this moment to pay off the loan but theyre not going to let me. Through research Ive found out they lost all the customers data. At one point my credit report said XXXX $ due I knew that was wrong still paid. At the same time the data was lost is when the statements stopped coming along with pulling it off my credit report and deleting my payment log on there website. I feel they are going to deny my in full payment to complete the loan when its almost paid off so they can refinance predatory to the next customer. They are milking middle to lower class people of money and in my case stripping my ability to work. These are XXXX  that have to hide there annual earnings because they are so high. This companies main objective is to loan unplayable amounts to desperate people. I can prove 100 % through bank statements and cleared transactions with dates being forged. These people are wolves and need to be prosecuted. I can only imagine how many families have been wrecked.right now as we speak I am over paid XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an online money transfer on wells fargo webiste, and the money {$5000.00} was from another bank linked. On XX/XX/XXXX, I got email next day saying it is a fraud. Then I called the fraud department, and verified everything and asked them to process the transfer. BUT, later I found out the transfer was canceled. I NEVER asked them to cancel it. BUT, wells fargo took the {$5000.00} from another bank even though they say it was canceled. Today is XX/XX/XXXX, the money is missing. Wells fargo took the money illegally and never return the money to my another bank, nor explain how they can help to deal with it. I am calling the fraud department now ; they say they can not help. The whole bank is a fraud and a joke. I need the money back and compensation. My time and moeny is wasted. Case Number : XXXX
Product: Debt collection

I checked my credit report and noticed I was in collection for an energy account based in Texas. I have never lived or opened a energy account in Texas. I believe I am the victim of identity theft.
Product: Credit reporting or other personal consumer reports

The credit bureau continues to report negative and inaccurate information that includes but not limited to balance, open and close date and payment history.They have refused to provide information that supports what reflects on my credit report.
Product: Mortgage

Dear CBPB, XXXX  XXXX XXXX, which was my original lender for my FHA loan ( XX/XX/XXXX ) granted me a temporary mortgage modification after I had been laid off in XX/XX/XXXX. 
I had been able to make regular payments on my mortgage at the modified rate for almost 2 years. 
The loan was sold to XXXX XXXX XXXX XXXX, again as an FHA Loan, in XX/XX/XXXX. After working with them on a loan modification they refused to cash the mortgage checks and returned them. 
When I asked about this they insisted that I not make payments while the modification was underway. The initial request for a modification with XXXX XXXX XXXX XXXX  was denied, by which time my circumstances had improved somewhat with my self owned business beginning to pay better. 
I reapplied, and while in the middle of that application process, the mortgage was sold to XXXX XXXX  in XX/XX/XXXX. This time the loan was converted to a conventional mortgage. 
Starting all over again with XXXX XXXX, they too insisted on not accepting partial payments while a modification was underway. While trying to work with them the loan was sold to XXXX XXXX XXXX in XX/XX/XXXX. 
Most recently the loan was sold to BSI Financial Services in XX/XX/XXXX. 
I am now with our fifth mortgage service company. The payments remain unpaid due to BSI refusing to honor the original loan modification or any payment that isn't the full amount past due owing, approximately according to BSI, {$170000.00}. 
Having already gone into default on this loan, and being in foreclosure is causing XXXX  and XXXX   within the family. 
I do not want to end up homeless despite our best efforts to work with the numerous mortgage companies. 
I want to remain in the house and retain possession of our home. I look forward to your prompt review and resolution in our favor. 
Please let me know if I can provide any more information that will assist in your decision.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. 
These items are not correct and are causing me financial and emotional distress because of their XXXX nature. The following items must be updated : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a XXXX and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ  law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to XXXX requesting the name of the Data furnished on my credit report regarding a bankruptcy. XXXX is violating my privacy per the FCRA, and the privacy act of 1974 and the right to opt out. I did not grant/authorize any third party data furnisher to report to XXXX nor any of their affiliates. ( a ) A consumer shall have the right, at any time, to direct a business that sells personal information about the consumer to third parties not to sell the consumers personal information. This right may be referred to as the right to opt-out. 

( b ) A business that sells consumers personal information to third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold and that consumers have the right to opt-out of the sale of their personal information. 
Attached is a letter from the Bankruptcy court stating that they do not report to credit bureaus. I demand that XXXX correct this matter by updating my credit report with the requested deletion.
Product: Credit reporting or other personal consumer reports

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

An account was opened in my name without my knowledge or consent. The account is XXXX XXXX and it was opened on XX/XX/2014. I previously disputed this account with Experian and it was not removed. I have now disputed this account directly with XXXX XXXX and they have agreed to remove the account from my credit file. As of today 's date this account is still being reported on my credit file. This dispute contains new information to open a new dispute. The new information is the agreement from XXXX XXXX to delete this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Debt collection

Flagship Credit acceptance, XXXX XXXX, left a message on my phone for one of my employees threatening to take legal action through our Judge Advocate General 's Office. I am under the impression that creditors are not allowed to contact an employer to discuss a loan or to make threats of legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Vehicle loan or lease

This company is reporting inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership. Despite my efforts to resolve this directly with creditor, it remains unresolved. I request immediate investigation and removal due to inaccuracies does not reflect my across all 3 bureaus, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the information in my credit report is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$16000.00}