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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX BALANCED {$45000.00} XXXX XXXX  XXXX BALANCED {$26000.00} XXXX XXXX  XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$14000.00} XXXX XXXX  XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX BALANCED {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$870.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$4000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCED {$820.00} XXXX  XXXX ( Original Creditor : XXXX CAPITAL XXXX XXXX A ) XXXX BALANCED {$730.00} PORTFOLIO XXXX ( Original Creditor : XXXX WEBBANK ) XXXX BALANCED {$4200.00} TARGET/TD XXXX BALANCED {$1200.00} XXXX BANK XXXX XX/XX/year> Original Creditor : XXXX XXXX XXXX BALANCED {$2300.00} XXXX  XXXX BALANCED {$730.00} XXXX XXXX BALANCED {$15000.00} XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/year>. I reached out to Loandepot to work a solution against the natural disaster XXXX I was in. After a handful of calls, after a couple of questions, the phone would go silent and another time the phone call would be hung up by reps. I finally got in touch with a rep and was told I had to fill out a loan application. I told them that I do not want another loan to pay off the unpaid balance, i just want to defer the loan onto the back end of the loan. Afterwards, i spoke to a supervisor and still Loandepot refused to assist me and told me a workout plan will be made after the investor 's review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Any items that were opened without my knowledge, approval, or authority must be closed or blocked within four business days with the following documentation : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) the consumer 's declaration that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have communicated with all three bureaus, Experian, Equifax and Transunion about XXXX handling of my credit bureaus about being denied access to my reports, submitting documentation other than the reports and then refusing to do anything about them even with documentation Against XXXX XXXX
Product: Student loan

Navient is repeatedly contacting my uncle, aunt, cousin, and mother regarding my private loan debt. Per the FDCPA laws, debt collectors may only contact a 3rd party once ( which they have violated because they are calling above-named parties every week ) and they may NOT contact the 3rd party if they know how to reach the holder of the debt ( which they do, because they call me 4 times per day, 7 days per week ).
Product: Mortgage

AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/2019. The escrow was paid out by AmeriHome Mortgage on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. 

This problem is causing undue hardship toward myself and is unnecessary and unreasonable. 

AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.
Product: Credit reporting or other personal consumer reports

I AM NOT REQUESTING AN UPDATE OR RE-INVESTIGATION, I AM DEMANDING THIS ITEM BE DELETED IF THE FURNISHER CAN NOT PROVIDE THE REQUIRED DOCUMENTATION. 

NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX TO DELETE ACCOUNT TO WHOM THIS MAYCONCERN, PLEASE DELETE THIS CHILD SUPPORT, XXXX IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX 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 Experian Information Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A court order authorizing a consumer reporting agency to provide a consumer report, 2. A written authorization from the debtor to obtain a consumer report, or 3. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. Please send me a copy of MY REPORT WITH THE ITEM DELETED. 

The company failed to address my compliant completely. Referencing CFPB Compliant XXXX. I did not request or ask for any item to be updated ; I demanded the entire item be DELETED from my credit report as the company and/or furnisher failed to provide any of the required documents listed in 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) The company response need not direct me to contact them as doing so has failed and the item is still reporting and it should be DELETED. The company need not tell me that the furnisher disagrees, the furnisher needs to provide documentation listed in 15 U.S.C. 1681 ( b ). If the furnisher is unable to provide the REQUIRED documentation, I DEMAND the ITEM be DELETED. Once the item is DELETED from my credit profile I DEMAND a report that REFLECTS the item has been DELETED from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  Travel/Entertainment XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.
Product: Debt collection

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX and XXXX XXXX Open Date XX/XX/XXXX.
Product: Debt collection

I was issued an unsecured credit card by XXXX XXXX XXXX XXXX in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, SUTTELL and HAMMER, PS a Debt Collection Agency, Sued me without properly notifying me of the lawsuit that a Judgment was filled against me for default on my XXXX XXXX XXXX XXXX, and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage to get some money for immediate needed House repairs we occupy with our Kids. I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to SUTTEL and HAMMER, PS, the collection agency representing XXXX   who filled the Judgment to have the LIEN REMOVED on the property but they refused, they also threatened severe action against our Property, Unfairly threatened that if the Settlement funds comes from the Refinancing or Modification of the House, they would attempt to collect the principal amount plus all accrued Interest over the 10 year period.They insisted that the LIEN will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. I explained my current financial situation to them that I am currently unemployed but to no avail.They wanted a Settlement of {$7000.00} before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.
Product: Credit reporting or other personal consumer reports

THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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 Balance Owed : {$1600.00} XXXX 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 XXXXXX/XX/XXXX