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

T o whom it may concern, I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 
XXXX XXXX XXXX XXXX XXXX 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> Please see attached documents
Product: Mortgage

XX/XX/XXXX On XX/XX/XXXX, I submitted a formal request thru email to my mortgage company ( Freedom Mortgage ) for removal of mip insurance for my fha loan. I had already spoken to someone in thier Customer Care department and I was told that I met all requirements for mip removal for my loan, except that the secondary loan I had already paid off did n't apply towards getting me under the 78 % loan-to-value ( Ltv ) ratio required, so I had earlier given a payment towards my principal in the amount of {$6000.00} so that I would be under the required 78 % Ltv.
On XX/XX/XXXX I received a email from Freedom Mortgage stating my request for mip insurance had been received. I few days later I received a letter from Freedom Mortgage saying they were reviewing my account and to allow up to 30 business days for a response. After the 30 business days had past I began to contact Freedom Mortgage 's Customer Care Department to tell them I had not received anything in the mail and if they could please update me if the mip removal had been approved. I was told that my request had been approved and I should receive something in the mail soon. I waited about a week and still had not received anything in the mail and called again. Again I was told I met all requirements and this time I was told they were waiting for a Fha approval letter. On Wednesday XX/XX/XXXX I called Freedom Mortgage 's Customer Care Department once again so I get an update on my request. I spoke to a man named XXXX who I told that after calling multiple times I still was n't clear if my request for mip insurance removal had been approved or not. He told me that I did meet all requirements and that FHA had until XX/XX/XXXX to contact Freedom Mortgage and that I should call back on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received a written response from Freedom Mortgage or a phone call. I just spoke to XXXX in Freedom Mortgage 's Customer Care Department who told me my request was just submitted to the FHA on XX/XX/XXXX! and that a request like these could take up to 3 to 6 months!
Product: Checking or savings account

Bank of America closed my husband and Is checking and savings accounts as well as my business checking account. This happened while my husband and I were out of the country, XX/XX/XXXX, we had no funds at all. This brought so much stress on both my husband and I. We didnt get any warning in any communication. We were told by the agent over the phone that funds will be released after XX/XX/XXXX. I called yesterday, XX/XX/XXXX, and was told they still dont have a date and funds are still being validated. We already received the bank statements showing the funds and how much is left for each account. Its already more than a month and I want the funds released, its our money. If only they can pay penalty for humiliating us over the phone and doing this to us like were criminals in which were absolutely not, I would demand for them to pay. I am beyond frustrated trying to guess when theyre going to give our money back. Please, help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX service thru my Capital One credit card. I have used it for years without incident. Today, I checked the site and my credit score had dropped by 22 points, with the website showing, under the section listing issues affecting my score, " Managing Real Estate '' with a further paragraph discussing a mortgage. 

I do not now, nor have I ever had, a mortgage. Nor have I applied for one. I rent. 

I called the phone # on the XXXX site and it turned out to go to XXXX, not XXXX, and they would offer zero information. XXXX said they were a completely separate and distinct company, and I'd need to speak directly to XXXX. I then called CapitalOne asking for a direct phone # for XXXX. I was put on hold, given the option to have a call back in an hour, and when they did call, was told to go back to the same website that had already mis-directed me. 

Obviously, I want an explanation for where the erroneous " mortgage '' information was obtained as it could suggest a fraudulent use of my personal information. I will add that in the years I've used the XXXX account, I have frequently checked my score, used their simulator feature, and also checked the listing referencing facts impacting my score. Until today, there had NEVER been a section discussing a mortgage or real estate. 

In short, the lack of response or availability of any information from Cap1 or XXXX is extremely frustrating. There should be some way to reach a person who can look into this false information and explain the source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  position with XXXX XXXX in XX/XX/2018. I was deemed ineligible for employment due to a criminal charge that does not belong to me. The criminal charge is that of my twin brother. I am in XXXX XXXX and have been for the last 13 years. There are also some addresses in which have never been a place of residence for me. As of right now there is false and inaccurate information with their findings and it needs to be corrected ASAP. I also states on the report that my former name is that of my twin brother. I have never had a name change and again this information is completely false.
Product: Debt collection

Procollect contacted me on the phone XX/XX/XXXX and told me I had a debt from a lease. I told them that I was the victim of Identity Theft and to check my credit report where I had reported it in XX/XX/XXXX previously. They told me to prove it and pay my debt and then reported me to the credit bureaus two days later as being in default. I contacted them after that and explained the situation again- they lied to me on the phone and told me they had sent me written notification on how to dispute the bill, when they had not, they also told me that it could not be IDTheft because the person submitting the lease had used all of my correct information. I spoke to the landlord and this was false they used incorrect information and different information from what Procollect told me. Procollect has been informed by phone, in writing by email, and in writing by the form on their web site this is IDTheft and they refuse to take it off or provide me with any information with which to dispute their claims. They also refuse to talk to the police and cooperate with them.
Product: Vehicle loan or lease

Santander USA I paid my car loan, but as of this writing, I have not received my car title. I worked with the XXXX XXXX and Santander, and now again, CFPB. There has to be something I can do. Your help will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital  XXXX   XXXX   XXXX  is report an untrue credit status. It is reporting  XXXX  late status.
Product: Mortgage

I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.
Product: Checking or savings account

Bank of America froze my account and closed it, but has not given me any of the XXXX XXXX  that were deposited in it from my direct deposit and bonus from work. They admit the money is there, and is somehow under investigation ( even though I had previously informed them of some oddities in my account and given them a link to a police report. ). 

It has been held since XX/XX/2023 and no one will do anything to help me. Ive since lost my car and am under eviction as a direct result of Bank of Americas actions. 

On top of this, they send me a monthly statement telling me how they took out their XXXX account fee talk about infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under XXXX5 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear sir, Upon checking about 10 emails which was sent by your company, Experian, office for a few days, one dispute result was determined to be mentioned to your company ; even though some of these emails mentioned your company had performed for the conclusion for the closing of disputes. However, I did not see any changes and answers at all for the main questions, which I had asked for months. One email from XXXX mentioned on my XXXX XXXX XXXX credit card, account number XXXX, which I wonder why this office had the right to open so many credit card numbers compared with other credit report companies. Anyway, it had the comment, which told Account previously in dispute-investigation complete, reported by data furnisher. From the beginning, I have a question whether the investigation on dispute regarding this card number has completed or not. As far as I remember, I have not received any report or answer to this completed investigation ; therefore, if your company and/or office insists the investigation has completed, I request the official report on this matter to make me understand and clarify the matter. I also request who or which company is the data furnisher as a one XXXX, who is dedicating to learn how to treat the important personal information of higher education at XXXX XXXX XXXX University, as a victim of identity theft. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

In late XXXX, I received multiple phone calls from Midland Credit Management regarding overdue debt. On multiple occasions, I told Midland that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from Midland Credit Management regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.
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 credit reporting agency provide the method of verification for items disputed in my recent complaint. I will list those items below.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report.

Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 

These are the items claimed to be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing this complain to inform you about a situation with my mortgage payment, which I am unable to solve. I have purchased a townhouse in XXXX for the amount of {$450000.00} as a first time buyer. Since I did n't have any down-payment, I was offered XXXX loans, an 80 % fixed 30 year loan for {$360000.00} with XXXX, and a 20 % home equity line of credit adjustable rate for {$93000.00} with New York Community Bank. 
I lived in the townhouse for 2 years, but had to move out to a different location due to job change and distant to work. Since the price of the home went down significantly during the housing crisis, I was not able to sell the home, and had to rent it out. The rent amount has constantly been lower then the mortgage ( {$1500.00} a month lower until XXXX, and after refinancing the first mortgage, {$750.00} a month lower since then ). So I have constantly been losing money every month, but have continued paying my XXXX mortgages on time every month since the first day of purchase. I believe it has been and will be my responsibility to pay the amount regardless of the market situation. 
On XXXX XXXX, XXXX I received a letter from New York Community Bank ( XXXX ), my 20 % mortgage lender, stating that as of XXXX XXXX, XXXX, the bank has decided not to extend my mortgage, since the agreement was drafted in a way that the bank could decide if the want to extend the mortgage or not every year up to 14 years. They expect me to pay them the whole amount of {$93000.00} at or before that date! The only other options that I have are to sell the home or refinance. Unfortunately the price of my home is around {$420000.00} and I do n't have the {$35000.00} cash to pay for the difference and closing fees. I have tried both through XXXX and NYCB to refinance, but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years, and do n't deserve to be in this situation. I do n't have the money and do n't know what else to do. I sincerely hope you can help me resolve this issue. 
Warmest regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RADIUS GLOBAL SOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX This company has violated my rights under the Health Insurance Portability and Accountability Act of 1996 and the the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Debt collection

I received a letter from Credit Corp Solutions on XX/XX/01. They are attempting to collect a debt on behalf of XXXX. Credit Corp phone number is XXXX. Their reference number is XXXX. They provided the last four digits of the XXXX account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called Credit Corp to inquire about this. I have never had a XXXX account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called XXXX and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both Credit Corp and XXXX clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go for the 100 th time!! 
I see one of my reports and they have the correct amounts of credit then I goto my bank vantage score and they do not show the correct amounts or accounts before they put false medical bills on my report now they are reporting in correct amounts or not showing accurate accounts then they just allow people to pull my credit report with out my permission I gave XXXX one time permission not 5 times then I gave one time to the other credit cards I received my credit cards now they just let them pull my credit which of course takes my score down for no reason also I purchased a car in 2021 I gave them permission to run my credit through XXXX I look at my credit report and there are XXXX other places I never even heard of pulled my credit and when I called them they say the car dealerships can do that? no they can not!! not with out my permission!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.