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

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Per attached documents sent to Experian, letters dated XXXX requesting their method of verification for thee said results from disputes listed in my request. Attached is also the receival date Experian received my request certified receipt mail. According to FCRA a consumer can request the method of verification when a credit reporting bureau has deemed information as verified/accurate/certified. The Credit reporting bureau must provide this information based on their results in the details as I have requested and has 15 days to do so by law. Experian received my request XXXX according to the attached documents from postal tracking, for these documents were sent certified return receipt mail. It is now pass the 15 days allowed for Experian to provide me their method of verification. This not puts experian in violation of FCRA 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
experian continues to violate the FCRA and effect consumers negatively.
Product: Credit card or prepaid card

I have tried resolving this for MONTHS and keep ketting the same FALSE response from US Bank. I provided them with everything they requested. According to the terms and conditions on my credit card I am entitled to be protected against fraudulent charges. Below is the details of my issue. They keep responded FALSELY that I didn't return the correct item or I didn't provide them with correct info. They alternate between these 2 FALSE statements. I returned the correct item with the return label that was provided to me by the merchant and I provided proof that they received it. If it were true that I sent the incorrect item where is the tracking showing that they returned that false item to me? THEY NEVER DID because I returned the correct item and an XXXX employee probably stole it!!! 
XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The XXXX # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the ups driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. Below are the tracking details of the return Tracking details XX/XX/XXXX XXXX  picked up the return from my home XX/XX/XXXX XXXX XXXX.Delivered XXXX, KY, XXXX Attachments Image XXXX at XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX XXXX ( XXXX KB ) Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Attachments may take a few minutes to be available. Please see attached response. 

Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS The response was completely false. XXXX did not state in their response that I returned the incorrect item and I did send in all of the p
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The lists of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( 1 ). XXXX XXXX XXXX XXXX account # XXXX ( 2 ). XXXX XXXX XXXX account # XXXX ( 3 ) XXXX XXXX XXXX XXXX account # XXXX ( 4 ) XXXX XXXX XXXX XXXX account # XXXX ( 5 ) XXXX XXXX account # XXXX 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( 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 USC 1681 S-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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023
Product: Credit card

I applied for a American Express Card with my mother at XXXX in XXXX Wi XX/XX/XXXX my mother recently passed on XX/XX/XXXX in which I was able to make a payment in XX/XX/XXXX. I received the next monthly statement like usual in which the payment was due on the XXXX of each month I phone American Express to make a payment and was transferred to the deceased account department I explain to the representative that informed me that I had to make the payment in full that I was not able to make the payment in full and would need to set up a payment arrangement and continue making monthly payment the representative ask my a couple of more questions about my mothers estate in which I informed her that there was no estate but my name was on the account and I would need to continue making monthly payments for now the representative told me that was n't a option and told me to have a nice day and hung up I continued to contact American Express like every week to make arrangement and was transferred to this deceased department I was denied a chance to make payments on a monthly basis now I have been sent to a credit agency and the account in now in collections and I have negative reporting on my credit I set up payment arrangements with this company who gave me a number to call to stop the negative reporting I was then told that the negative reporting would continue until the balance of XXXX is paid in full I could not believe that American Express would treat a loyal customer this way I have never missed a payment and this account was current up until my mother passed and I was not allowed to make a payment unless I pay the balance in full in between my calls to American Express I did some research on their website in which it clearly stated that you could have the deceased person name removed and continue making payments I was not given any options what so ever I also explained that my mother never used her card I was the only card user but when we applied my mother had more of a credit history and was named the primary on the account I would like the negative reporting to stop immediately
Product: Mortgage

Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.
Product: Debt collection

During the Covid-19 Pandemic I did not take XXXX dollar of unemployment or XXXX  XXXX  XXXX The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Mortgage

SHELLPOINT MORTGAGE - XXXX This account was NEVER late. A modification agreement was executed and finalized in XX/XX/2021. Agreement paperwork was provided from Shellpoint mortgage which is attached. My payments were made " As Agreed ''. The late payments reported in 2021 need to be removed as per our final agreement. This is preventing me from getting the credit I deserve.
Product: Credit reporting or other personal consumer reports

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Product: Mortgage

XXXX ) The mortgage servicer Specialized Loan Services, LLC has denied the review of Mortgage Assistance and set a scheduled foreclosure sale date for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specialized Loan Services, LLC provided correspondence that our application for Loss Mitigation was completed on XX/XX/XXXX. In this same letter, it states they are currently in review and that no foreclosure sale dates would be scheduled while the application is in the review process. This correspondence was dated Friday, XX/XX/XXXX. 



XXXX XXXX Specialized Loan Services, LLC generated correspondence on Monday, XX/XX/XXXX, denying the Loss Mitigation Application stating Ineligible for modification due to the inability to reduce payment. A decision was determined in less than XXXX business days and a sale date was immediately placed on the account. This brings to question the process SLS used to evaluate application. In less than XXXX business SLS states they thoroughly reviewed application for workout assistance. 

XXXX XXXX Specialized Loan Services, XXXX also states in the XX/XX/XXXX, correspondence that we were approved for XXXX other loss mitigation options. These options were a Short Sale and Deed in Lieu. In addition, the correspondence stated that we were eligible for a second-level review and that documentation must be submitted by XX/XX/XXXX. We provided all documentation for a second time on XX/XX/XXXX. Instead of honoring the information in correspondence, SLS denied the application stating an application could not be accepted because of the scheduled foreclosure sale date. 

XXXX XXXX Specialized Loan Services, LLC is consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 


XXXX XXXX Specialized Loan Services, LLC stated that we were approved for XXXX workout options and eligible for XXXX level review ; however instead they scheduled a sale date for XX/XX/XXXX, and continue to move forward with the sale date. This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

XXXX XXXX Specialized Loan Services, LLC practices violate federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have sent letters to the credit bureaus ( TransUnion, XXXX and XXXX ), demanding delete these accounts from my consumer report, because I never gave them any written consent to report anything on my consumer report. They are in Violation of the U.S Code 1692c. They have done nothing to fix this. 

Pursuant to 15 USC 1681b-Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

I, XXXX XXXX never gave TransUnion, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 

Concerning the account listed below as a Federally Protected consumer under title 15 Chapter 41 Im demanding a deletion of these accounts from my consumer report. 

ACCOUNTS XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. XXXXXXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. Original Creditor : XXXX Account # XXXX Thank you, XXXX XXXX
Product: Debt collection

This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them.
Product: Debt collection

AMEX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. Experian and XXXX  updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Product: Debt collection

Company try to collect on a debt that have no knowledge of XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

KINGS CREDIT SERVICE Reported : XXXX. XXXX, XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three public records that appear on my TransUnion credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX XXXX XXXX XXXX XXXX  reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$590.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX. I was never late on this account, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.
Product: Debt collection

During the CFPB investigation ( XXXX ) Midland Credit Management Inc. / Midland Funding LLC ; Admits the alleged debt they reported on my credit report and attempted to collect ( post ) XXXX/XXXX/2013 ; The date they claim it was sold to XXXX XXXX. Proving they had to right to report or attempt to collect the alleged debt they did not own. They need to remove that alleged debt from my credit report ( s ). Or if XXXX XXXX is a subsidiary of Midland Credit Management Inc. they need to provide the legal documentation they ( own ) the alleged date ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ).