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

I am filing a formal complaint against XXXX XXXX XXXX for illegally reporting inaccurate, unverifiable, and misleading information on my credit file. 

XXXX is furnishing information that is false and damaging to my credit profile. I have never authorized XXXX, XXXX to collect, use, or share my confidential information. Their actions are in direct violation of federal law, and they have completely failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection statutes. 

Specifically, XXXX XXXX XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : By failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of consumer information reported.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : By failing to conduct a reasonable reinvestigation of disputed information in a timely manner.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : By accessing and sharing my consumer information without a permissible purpose or my explicit consent.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 : By unlawfully sharing my nonpublic personal information without authorization, violating my right to financial privacy.

I previously notified FactorTrust, Inc. of these inaccuracies and submitted a detailed dispute letter outlining all discrepancies. However, they have failed to correct or delete the inaccurate information, demonstrating a reckless disregard for consumer rights and federal law.

Attached is a copy of the letter I sent to FactorTrust , Inc. documenting the inaccuracies and my demand for correction, which they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification that " XXXX/XXXX   had requested my Transunion credit report. Apparently, this was a XXXX 'XXXX  XXXX credit card, I am not even a member at XXXX XXXX XXXX so I wouldn't even have a reason to apply for their credit card. I called their customer service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called Transunion for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.
Product: Credit reporting, credit repair services, 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 Bank # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXXXXXX XXXX # 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 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: Mortgage

My assistance application with Loss Mitigation with XXXX was completed on XX/XX/2023. I was first told by Loss Mit that the process would take 30 days for an answer, then that changed to 45 days, then 45 business days but until now NOTHING. I have called every week since I submitted the application to get status and keep being told it's still " in review ''. Some agents have stated that the application was incomplete as of XX/XX/2023 while others stated that those agents were wrong and were not sure where they got that information. It's a never ending story with this servicing company! I don't understand why it's been this difficult to get information on an application that should have already been fully processed. Then I'm told that the underwriter or " specialist '' hasn't reviewed the application to make a decision. I have done everything in my power, my due diligence, to try to get this resolved but this company has failed and continues to FAIL.
Product: Credit reporting

I could n't get past the page that required me to present with accurate answers to questions regarding transaction information on my ssn in the last 4 years that I was populating accurate information for but ended up getting blocked out from retrieving the credit report on freecredit reporting website. I was trying to retrieve information from all XXXX credit reporting sites but equifax popped up questions that eventually blocked me out. I then tried retrieving specifically credit report from XXXX but that returned a message indicating my free credit report for the year was already retrieved from them. I have n't done this. Can you look into both - I want a credit report from all XXXX firms. Also if its any help, I am already a victim of aggravated fraud, hate crime, trade secret misappropriation and copyright infringements. Please help.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2023, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account. 
2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay. 2. Details of the original creditor, including their contact information and the original account number.
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX  months old!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Product: Mortgage

XX/XX/XXXX To whom it may concern, On XXXX XX/XX/XXXX I refinanced my home. 
My new lender was to be Specialized Loan Servicing LLC. 
Account # XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX My first payment was not due until XXXX. On XX/XX/XXXX I received notice that they had sold my loan to XXXX XXXX XXXXXXXX XXXX. 
Account # XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX They said any payment after XX/XX/XXXX would go to XXXX. On XX/XX/XXXX I sent my first payment {$1300.00} to XXXX. The late fee is not in effect until the XXXX. They returned the payment on XX/XX/XXXX. When I called them about it they said it was to go to Specialized Loan Servicing LLC because it was technically due on XX/XX/XXXX. I called Specialized Loan Servicing to make a phone payment but they had no record of me, my husband or either of our SS numbers. I talked to 5 different departments but no one could help. On XX/XX/XXXX I sent a payment to them via bill pay ( Through XXXX XXXX {$1300.00} XXXX on the computer to see if that would solve it but they returned it on XX/XX/XXXX. 
I have tried everything I can think of and do not want to be harmed by incurring unfair late fees or have a derogatory comment on my credit history. Please advise. 
Sincerely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Product: Payday loan, title loan, or personal loan

XX/XX/2019 - Cashnet USA fraudulently took out {$1500.00} dollars out of my bank account, this fraudulent behavior is being investigated by XXXX XXXX XXXX. I never took a payday loan and never did business with this company.
Product: Checking or savings account

Bank of America particular employees are violating my privacy rights and threated to railroad a situation and segregate me to the same particular involved employees. This is the second time that Bank of America has treated me with segregation. This matter involved business associates affiliated with Bank of America such as particular XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX employees. I have received phone calls as early as XXXX XXXX using false names. On the exact dates this occurs the same Bank of America employees contact me. My vehicle was damaged at Bank of America by the Gardeners. 

I told XXXX XXXX at bank of America that this matter was escalated and mishandle per their own business contacts higher up. XXXX told me that she was segregating me to her, and I told her to stop reading old notes that this was done to me before. I told XXXX after the XXXX XXXX call she arranged not to access my bank information, call or email me to the point I file a huge complaint. The same lady that called me at XXXX XXXX. called me at XXXX XXXX. XX/XX/2023, and later tonight XXXX XXXX sent me an encrypted email. I am having medical issues and one of the businesses associated at XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was too escalate this but the same bank of Amecia employees continue to call me and demand email information. XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been at this for going on 3rd month. The parties responsible are engaging in corruption because they lack insurance which is what I have felt and told today.
Product: Debt collection

Received a call from an XXXX first an automated machine said to have my legal counsel contact them and I waited to get someone on the phone the lady answered and said that the companythey where calling from was Wexford refused to give address said they were sending the police to get me and that I was charged with theft of services tied to my social but would not tell me more other than I better send her money Woman refused to give details or an address I hung up they called repeatedly XXXX times after with in seconds of each call
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX CREDIT CARD account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Debt collection

I sent NationStar mortgage llc ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. XXXX XXXX has notified me that NATIONSTAR MORTGAGE LLC/D.B.A Mr. Cooper is a debt collector and is servicing my loan. I would like Nationstar llc/Mr cooper to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Lexis Nexis Risk Solutions dated XX/XX/XXXX. 
Titled Colorado XXXX XXXX Notice. 
It said I was receiving the letter because : " [ 1 ] report ( s ) of negative information added to your file. '' I immediately went on their website as instructed in the letter and request a copy of the disclosure report. 

On XX/XX/XXXX I received a letter in the mail stating that they couldn't process my request. 
I emailed them explaining the situation on XX/XX/XXXX, and they responded with a boilerplate email containing information that did not address my concern about what they would need to process my request for the report. I replied to the email on XX/XX/XXXX and received the same boilerplate response again. 

On XXXX I completed the online request again, trying to see if I could decipher what the issue might be with their inability to process my request. I got the same boilerplate letter in response again today. 

I have also tried to call them on the phone and get only a recording that loops over and over again. 

It is as if there are no actual humans working for this credit reporting company. 
They are completely unresponsive and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my mortgage, and have learned that my personal information has been compromised by the Equifax hack. This hack has jeopardized my chances of having my refinance approved and hurt my chances of getting rate I deserve.
Product: Credit reporting or other personal consumer reports

Dear CFPB RE Transunion File XXXX, Thanks for contacting me Transunion XX/XX/year> regarding my ID Theft claim and my request to block/delete the derogatory information from my credit file within 4 days of receipt. I apologize for any misunderstanding with the first Federal Trade Affidavit that I sent in to you so I have completed a new FTC Report XXXX. I am not certain exactly what happened because you requested that I send one in when that is what I did the first time with my government ID. Nonetheless here is a new FTC Report for you to attach to my file. I took notice just recently because I am trying to get my very first apartment and discovered things that are in no way shape or form that belongs to me. It is a very unfortunate situation that it takes me to try to get my first apartment to discover this. Many accounts I was graduating highschool and no place to live with no reason to open XXXX etc ... accounts and more. 

I completed and provided you a new FTC Report with all accounts and numbers, Descriptions of each account, and all personal identifying information as you requested. 

It would be greatly appreciated if you can assist me with blocking/deleting this information per FCRA 605B ( 15 U.S.C 1681c-2 ) I have contacted each data furnisher to provide me the applications that I applied for these accounts and they have failed to send me anything. 

I included a personal statement on the FTC Report and I also included XXXX XXXX per FTC Customer Service because you can only list so many accounts. So if I can have XXXX XXXX deleted and blocked as well that would be appreciated. They are the debt collector who has failed to provide me any information also.
Product: Debt collection

XXXX XXXX XXXX XXXX send me a bill in the mail i do not owe!!
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit card

I had a card with XXXX balance, it had been paid off for at least a year. Someone got the information for my card and used it to make fraudulent purchases totaling {$3000.00}, because I do not use this card often I did not notice the charges until I opened my XX/XX/XXXX statement. This has been reported as fraud since XX/XX/XXXX. Not only have they reported this to the credit reporting agencies as past due while knowing the charges were fraudulent and while still under investigation, as of today XX/XX/XXXX they are requesting payments toward the fraudulent balance. They refuse to stop late fees piling up on a balance they know to be fraud. Now when I call them they pass me back and forth between fraud department and customer service claiming nothing can be done ... and it's still under investigation but make minimum payments on the amount they know to be fraudulent. They even reissued a card, left it linked to the old account and the fraudster was still using it while it was being investigated. They have now issued a third card and have not resolved the issues involved with the fraud, while reporting a fraudulent balance to credit agencies, and trying to collect on a balance they know to be fraud. If you remember, my balance was at {$0.00} before the fraud started.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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