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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my XXXX, Equifax and XXXX credit reports to no avail.
Product: Mortgage

In XX/XX/XXXX of XXXX, I filed Bankruptcy chapter XXXX to avoid a foreclosure after 19 months of payments until XX/XX/XXXX. After that my loan got transferred from XXXX XXXX to Rushmore on XX/XX/XXXX, but Rushmore started treating my account as Bank Owned instead as an account under Bankruptcy Chapter XXXX and they served my tenants a letter stating I was no longer the owner of my property. Since then i have not been able to collect any rent payments from my tenants ( see attached exhibit A ). 
I got a letter from Rushmore on XX/XX/XXXX stating that the process to rescind the foreclosure has been completed and that the account is no longer in Real Estate Owned ( REO ) or eviction status. ( see attached exhibit B ) but it wasn't true Now on XX/XX/XXXX has been more than 1year and half and Rushmore still has not rescind the title back to me!! I have been continuing to make my plan payments thru bankruptcy until now. 

I am requesting to help me to resolve this matter, unfortunately due to this situation i have not been collecting rent since XX/XX/XXXX. My tenants have refused to pay me since tenants told me i am not the current owner! 

See attached current title with shows Trustee 's Deed Upon Sale only ( exhibit C ) Right now Rushmore offer me a loan modification with the following terms " AFTER ALL TRIAL PERIOD PAYMENTS ARE TIMELY MADE AND YOU HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS ". This modification is telling me that i need to qualify and i don't think its fair. And also Rushmore wants me to start making payments on XX/XX/XXXX, and they want me to be in charge to do the eviction process which I don't know how many months it will take to vacate the property and due to COVID-19 we have to wait until XX/XX/XXXX. Without knowing if the tenants will move out by that time. 

I don't think it is fair for me when the lender made all this mistake. 

I am requesting to Consumer Financial Protection Bureau to stay involve in this problem until Rushmore Rescinds back the property. 

Please contact me at XXXX XXXX XXXX XXXX or by email at : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XXXX/XXXX/2020
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX. My former roommate burglarized my home and stole my truck with my wallet and cell phone being amongst contents stolen. It gave access to my bank account. I filed a dispute with Wells Fargo on XX/XX/2023 for all transactions during my incarceration. When the dispute was filed I was told I would need to be willing to cooperate with the institution 's investigation as well as be willing to pursue criminal charges if necessary. I filed a police report in both XXXX XXXX and XXXX XXXX. There were also two reports made while I was incarcerated regarding the burglary of my home and theft of my vehicle. I was also informed it could take up to ten business days to receive the funds in my account. I called Wells Fargo on the 10th day and received news of the claim being denied. The representative stated the denial was due to the large amount of transactions involved in the dispute, the fact I knew the suspects, and that I would need to reach out to the individual merchants. I spoke with the claims department where I was told I would receive a call from a manager within 48hours, after requesting to speak with a supervisor. My mortgage is now 20 days late. I have a negative balance. I can not get an explanation from Wells Fargo regarding questions asking why my account activity didn't freeze the account. I have spoken with several merchants regarding the fraudulent charges, but have been informed the bank must handle it. In 17 years, I haven't had a single dispute with Wells Fargo. It is imperative this money be returned so I am able to pay my financial obligations before anymore late fees accrue. I have not had XXXX single call from Wells Fargo. All interactions have been initiated by myself. The call within 48 hours was not received. The employees investigating my claim did not seek any additional information. My former roommate is currently incarcerated in XXXX XXXX, GA. I am at a loss in the situation and was advised to contact the CFPB to attempt a resolution. It is impossible for me to have made these transaction during confinement. A total of four police reports have been filed with law enforcement. Paying my mortgage is a tip priority, and I am frustrated beyond words at the bank 's unwillingness to accurately investigate my claim. I made a police report and filed a dispute the same day I was released.
Product: Checking or savings account

I have two accounts with CITIBANK that at times go below the {$1500.00} minimum balance and I get hit with multiple low balance fees that at times can be as high as {$XXXX}!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listed below has a claim under my name on XX/XX/XXXX. My Insurance company is XXXX XXXX at XXXX and they have XXXX records of claims under my name. I have attempted to reach out to have this removed and they only allow you to submit a request but no one has responded. I have had no insurance claims since XXXX This is effecting my ability to obtain car insurance at a reasonable rate. 


Comprehensive Loss Underwriting Exchange ( CLUE ) Status : OrderedReport Source : LexisNexis Risk Solutions XXXX Reference : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX CIS Inc made an inquiry on my XXXX credit report. Because I never authorized CIS Inc to pull my credit report, I contacted CIS Inc demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. XXXX CIS Inc never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely XXXX, Equifax and XXXX, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : XXXX : XXXX XXXX XXXX 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

Equifax, XXXX and XXXX wont all me to dispute address and Information that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stil very surprised you all are reporting inaccurate information on my credit file. You are violating my rights, You received my dispute on XX/XX/23 but didnt start investigating ( see tracking info ). You now have less than 15-30 days to delete this inaccurate info. It seems like you verified information thats inaccurate information without doing a proper investigation. Please reinvestigate this matter because I am trying to get insurance. I found inaccurate information on my file, Experian please remember the law states you are out of metro two compliance and will face violations if this information isnt removed from my file. I also circled the inaccurate information with red ink and attached the credit report showing inaccurate information, my ID, and my proof of address. this is a form of defamation on my strawman.. I am expecting a new report sent to my address above as soon as the inaccurate information has been removed.
Product: Student loan

I have submitted all the paperwork they requested to process the PSLF forgiveness. It was submitted in the summer of XXXX. No responses, hold times on phone is ridiculous. I am not able to submit a forbearance application either in their portal or by phone, impossible to reach.
Product: Credit reporting or other personal consumer reports

Experian illegally reinserted ( XXXX ) accounts listed below after sending me results via CFPBXX/XX/XXXX XXXX on XX/XX/2024. 
I disputed both accounts and Experian received my dispute on XX/XX/2024 notifying me that both accounts were deleted. ( See Screenshots ). 
Experian committed the first violation when it Failed to conduct a timely reasonable investigation and forward the results to me within XX/XX/XXXX days. Additionally, Experian reinserted both accounts after sending the results stating that accounts XXXX : XXXX XXXX XX/XX/XXXX XXXX. 
and XXXX : XXXX XXXX XX/XX/XXXX XXXX. ( See Screenshot ) showing Experian stating that both accounts were deleted in the results I received stating the numbers ( XXXX ) and ( XXXX ) were deleted ( See Screenshot ). 
I disputed both accounts because Experian Published/ Furnished the accounts without my PERMISSION/ CONSENT! I disputed in accord with FCRA 602 which states I have a right to privacy. Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions from the consumer. I want the ( XXXX ) accounts removed from my Experian credit report because at this time my rights as a federally protected consumer have been violated further due to illegal reinsertion of the ( XXXX ) accounts.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXXXXXX XXXX  XXXX XXXX dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates XXXX, XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX XXXX and it was low and our  credit is excellent. So I got a credit report from XXXX XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX '' ) and I have never had a XXXX account. I filed a dispute with TransUnion and they refused to take it off. XXXX  already removed it for me. The amount is {$2400.00} that is in collection, from XXXX mobile. The collection company is their own, Source Receivables Mgmt. For over a week XXXX  told me to call the  collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can XXXX  put someone else 's name on my account?
Product: Consumer Loan

I bought a XXXX Chevy Silverado around XXXX XXXX. The 72 month contract had the terms listed and showed I would pay {$6500.00} in finance charges over the life of the loan. As of 3-4 months ago, and after manually adding all finance charge made on the loan, I 'm well past the {$6500.00} and I still have over a year left to lay on the loan. 
I 've made payments well above and beyond the monthly contractual amounts, but Ally keeps taking out finance charges. For example, my account is now due for the XXXX/XXXX/XXXX month payment. They have told me on several occasions that if I make an additional payment on my account, even if I want it to go to JUST principal, they will take finance charges out of it anyway. At this rate, I will be paying nearly $ XXXX- {$8000.00} in finance charges for the life of the loan. 
The initial disclosure of finance charges was so far off. I was mislead and my account is being mistreated. If my account is up to date AND is n't due for for another 5 months, I should be able to clearly make JUST principal monthly payments!
Product: Mortgage

Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : XXXX from Creditor : XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to login to my.equifax.com for two weeks now. I need to freeze my credit because of a breach elsewhere and Equifax does not facilitate the process. I can understand the website being temporarily being down, but being down for two weeks or more in this day and age seems unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA. The three major reporting companies failed to provide proof of their investigation ( 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ), failed to accurately verify that the NEGATIVE Information reported belonged to me and failed to keep correspondence with the address provided.

Since no information was accurately verified, I demand that all NEGATIVE accounts permanently be removed from my report that is hurting me financially. Im prepared to pursue legal action for damages No consent ( permissible purpose ) on my behalf was never given to report anything to my consumer report List of negative items that was unverified in the supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian and they keep responding that XXXX certified accurate. That is impossible because I have never had any account they claim.
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 confidentially under XXXX XXXX XXXX. 

acct. name XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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, 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 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.