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

My husband ( divorce pending ) opened 2 fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( approx. XX/XX/2023 ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/2023 ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a Citi card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted Citi Bank to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and Citi has not been willing to share a copy of the original application. They have been resistant to help generally. Citi is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.
Product: Credit reporting or other personal consumer reports

XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX and the following addresses listed on my credit report are outdated and the result of that XXXX : Additionally, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : - [ XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter.

Sincerely
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and I noticed I had a fraudulent account on my report. I want the fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Debt collection

TSI/XXXX XXXX, XXXX and XXXX has XXXX a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened with TSI/XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. 
Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on multiple occasions to remove a tax lien on my account that does not conform to the new standards put into place on XX/XX/XXXX.  They refuse to remove the tax lien even though the other two credit agencies have removed it. The tax lien is listed below : Tax Lien Reported onXX/XX/XXXX- {$7300.00} Paid Overview Reference Number - XXXX Date Filed Reported on - XX/XX/XXXX Classification Lien Responsibility - Individual According to the new guidelines, established by a class action lawsuit brought against the credit agencies, they must have the person 's date of birth and/or social security with the consumer 's address in the tax lien filing. Transunion will not comply with the new ruling. Please investigate them. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time contacting you guys about the inaccurate reporting of my credit account first by XXXX  XXXX XXXX  and now XXXX XXXX XXXX has reported to the Credit bureaus and all have fixed the info except transuinion I have filed several disputes initially because XXXX  XXXX removed and closed 2 of my credit card accounts when they had XXXX balances and where still very much open and being used this lowered my score substantially and was almost impossible to get them to fix it. They eventually fixed one account and reported it and the credit bureaus made the change to my report which raised my score minutely. But they would not correct the second account which had a credit line and greatly affected my score for almost a year I have been paying off the balance each month trying to build my credit to purchase a home and while im doing all it is not reflecting on my score. I spoke to XXXX XXXX and they state now they got their act together and everything has been reported which seems correct as XXXX  has updated my report to reflect both accounts as of 3 weeks ago, but transuinion has not and will not. I lost out on 2 home purchases and probably won't have a score that will allow me to secure a loan for quit some time because of this even though I have worked very hard paying off my balances and doing so early every month It has not appropriately benefited like it should have. I have lost almost a years worth of great credit payment history and can't purchase a home can't rent a home couldn't buy a car when mine broke down because I have a credit score that doesn't accurately reflect my credit history. And I have done everything possible to get this addressed and here I am. I'm so beyond frustrated and it's becoming more difficult to be respectful when trying to reason with transuinion and XXXX XXXX. They either just don't care.. Or they are plain incompetent. XXXX XXXX should not have closed the accounts to begin with and I guarantee if I wasn't making my payments they wouldn't hesitate to take steps and act on collecting what they are owed! But yet they have no problems and pay no regard to damaging a customers credit score and essentially causing homelessness when they make sure they are paid in full and before the date they are due every month. What a shoddy way to do business.
Product: Mortgage

Had a kitchen fire XX/XX/XXXX. Received insurance funds from insurer on around XX/XX/XXXX mailed it to XXXX/chase on XX/XX/XXXX they received it on XX/XX/XXXX and it is now XX/XX/XXXX and I have not received a dime of my insurance money for repairs. I had a contractor do XXXX worth of drywall and put a stove in so we could cook for our family of XXXX. They said my claim was monitored because my mortgage was showing one month behind at time of fire and I needed a licensed g.c. Then they said I did n't need one because the job was under 50,000.00 on my state.Now they wo n't release any funds for me to pay my contractor with and I had to take a financial hardship withdrawal from my federal TSP. I am now in the process of hiring a licensed g.c. but I do n't have any confidence in these people.They do n't care about people and the hardships they put on them. There has got to be a better way to do this. I have been paying my mortgage with chase for 14 years now and I have no intentions of running off with the insurance money.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681C-2a 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit card

Today I call Experian again for the disputed that I place at the beginning of the month. That dispute number was XXXX. The lady call XXXX that answered the call at the Fraud department told me that she could do anything. I open another dispute # XXXX. Again provided with the Police report and the FTC complained that made months ago.
Product: Mortgage

Hello I am reporting XXXX XXXX from Allstate lending in XXXX XXXX California he is a XXXX XXXX lender on our properties my husband was XXXX XXXX XXXXXXXX XXXX and XXXX XXXX is the one that keeps XXXX XXXX XXXX  I have been trying to get the loan documents on the property and he will not give them to me he has been harassing me that the housing houses are going to be going into foreclosure and I have to sell them and I must move considering the circumstances I am already dealing with with my husband being XXXX XXXX XXXX XXXX  and never allowing me to know anything about the mortgages now Im trying to get that information from the lender but the lender shouldve is the XXXX XXXX XXXX XXXX  its obviously on his side I feel that this is unethical and something doesnt seem right about the funding of the lone please contact me for more information
Product: Credit reporting or other personal consumer reports

I have multiple credit report hard inquiries that have not been authorized and I need the remote for my credit report because it has a negative impact on my score. Below are the dates and the company that reported it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX, I am writing this complaint on my own behalf - there is no third party involved. On XX/XX/XXXX, I received a written statement from Capital One addressed to XXXX XXXX XXXX for an alleged debt. I am filing this complaint to further validate this alleged debt, and identify who the original creditor is connected to this consumer credit transaction. I do not consent to the allegation of reasoning behind why XXXX XXXX would be receiving statements, until the proof of validation for the full disclosure of this debt is provided. On XX/XX/2022 I have sent a Validation of Debt Letter and Cease and Desist letter to Capital One to receive LAWFUL VALIDATION behind this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly ignores my request to send verification and remove fraudulent accounts from my credit file after numerous attempts for years!! I keep repeatedly sending in there requests for idenitity etc and they refuse to investigate my disputes!
Product: Debt collection

My debt was with ny and company i.owed money to the card.they transferred it to XXXX XXXX or XXXX XXXX i made a settlement with them and paid it off its still shoeing on my report I owe ny and company and XXXX XXXX not true. Ita all been paid I would like it off my report.
Product: Vehicle loan or lease

Due to my purchased vehicle being damaged and undrivable, I contacted the dealership ( XXXX XXXX ) to activate my gap insurance and trade the car in for another vehicle. During this process, I spoke with XXXX XXXX ( salesman ) and XXXX XXXX ( manager ), employees of XXXX XXXX, who invited me to the dealership to pick a new car and workout a new deal. So, I secured a ride on Sunday XX/XX/2022, to visit the dealership. After test driving a few cars, I picked the one I wanted and was told that arrangements will be made for that Tuesday XX/XX/2022 ( because Monday was XXXX XXXX ), to have a mechanic from the dealership go inspect the car and possibly fix it, or have it towed back to the dealership. Unfortunately, it rained the day of pickup and the day after, so they canceled the pickup arrangement due to safety concerns. Since then, it has been difficult to reach anyone from the dealership to confirm a new pickup day for the car. I informed Ally Financial of my dire situation, that I am handicap and need the car for daily transport to and from work to maintain my employment, hoping they would help, but they just told me to contact the dealership. So, I again reached out to the dealership for a solution, and I finally received a call on XX/XX/2022, from a XXXX XXXX named XXXX, who said she was authorized to offer a {$1000.00} for the car, which would have voided my gap insurance ( per the contract ) and I would still owe Ally Financial Inc the balance of the total car amount, plus will still have to buy another car. That solution just was not adequate and completely unfair to me. This led me to re-review my contract to see if there was a warranty or something that I could enforce on the car. I noticed there were some TILA ( Truth in Lending Act ) and Consumer Bill of Rights violations committed by XXXX XXXX that voids the terms of our Retail Installment Contract. According to the contract, a written certification that the car was in safe & working condition at the time of purchase is required by NY State Law, but none was provided. This certification was supposed to be a guarantee that the car is in safe & working condition, and the dealership would be held responsible for repairs or pay in full for repairs of any unsafe condition in the car. But because no such certification was given to prove the car was in safe & working condition, they are still liable for remedy according to the contract. 

I sent letters to both Ally and XXXX to rectify the situation, but they have yet to respond to my 14 day deadline, and it's now been 30 days without a response. So I accept their silence as agreement to my demands and voidance of the contract.
Product: Debt collection

I have reached out to XXXX both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain personal information from my credit report. I recently reviewed my credit report and noticed that it contains some outdated or inaccurate information, specifically regarding addresses, names, and phone numbers. 

I have identified the following incorrect or outdated information on my credit report : Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type - XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX type XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Resident XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX, PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, GA XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular ( XXXX ) XXXX I understand the importance of accurate credit reporting , and I am committed to ensuring the integrity of my credit file. These inaccuracies can affect my ability to access financial services, obtain credit, and make important financial decisions. Therefore, I kindly request that you remove the aforementioned incorrect or outdated information from my credit report as soon as possible. 

Enclosed with this letter are copies of documents that verify my current address and other relevant personal information. I hope that this will help expedite the process of updating my credit report. Additionally, I would appreciate it if you could send me a confirmation letter once the changes have been made. 

Please be aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and correct inaccuracies on a consumer 's credit report. I am relying on your prompt attention to this matter to ensure the accuracy of my credit history. 

Thank you for your prompt attention to this request. If you require any further information or documentation to process my request, please do not hesitate to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that this account was erroneous. The Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding my XXXX credit card account, XXXX : On XX/XX/XXXX ( XXXX XXXX EST ), I called TransUnion ( File Number # XXXX ) and spoke with XXXX in customer service and explained the entire payment history surrounding this account and its current incorrect reporting status of 120 days late. He reviewed the account details and said he was able to see that XXXX had submitted documentation to TransUnion, regarding this account on XX/XX/XXXX and on XX/XX/XXXX, but that he was unable to review the specific documents due to his restricted computer access and employee status. However, he said that he would contact a supervisor for me to discuss the document contents and the supervisor will be able to update the accounts late status based on the files current information. I was transferred to XXXX, a supervisor, and I explained the current incorrect reporting status for this account. He reviewed the information on the account which was currently being reported by TransUnion and he also reviewed the documentation which had been submitted to TransUnion by XXXX. He then informed me that according to the information received by XXXX the account was being correctly reported as 120 days late and that the account status was also being reported as closed. I informed him that this was impossible and again informed him of all the actions which had been taken by XXXX on my behalf for this account and that XXXX had also submitted Adverse/Corrective Action letters to the three reporting bureaus to correct the late payment status for this account. He said that there was no such documentation to that effect for this account in TransUnions computer system and that if I had any documentation, I needed to mail this information to TransUnion for consideration and review. I then informed XXXX, that I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX, which confirmed that the account had been closed on XXXX and that the letter noted the accounts balance at the time of closure was {$0.00}. I then asked XXXX, according to this letter from XXXX XXXX XXXX how can this account be showing as 120 days late in your computer system, if it was closed on XX/XX/XXXX with a {$0.00} balance. Once again, XXXX stated that he was not showing any information to this effect and that I needed to mail any documentation to TransUnion, to support my dispute. He also stated that email and fax services were not available as a type of documentation submittal source, mail only. XXXX said that he would notate the account regarding my inquiry and that he would indicate that I was disputing the current late status of this account, pending the receipt of this documentation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681, section 602, it is stated, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, Experian, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681, section 604 ( a ), subsection 2 states, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and the Consumer reporting agencies, Experian, Equifax, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, TransUnion, and Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting, again, without my permission, which violates the law. 15 USC 1681s-2 ( A ) ( 1 ) states, 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. 15 USC 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Experian, and TransUnion are not maintaining reasonable procedures. As a further note, 12 CFR section 1016.7 states, A consumer may exercise the right to opt out at any time. I am option out of your reporting services. 

Furthermore, this account is listed as " charged off. '' A charge off, under IRS Publication 4681, is considered income. Income can not be reported to a credit report.