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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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
Product: Credit reporting or other personal consumer reports

I have been trying to dispute fraudulent accounts on my report but they somehow keep getting verified. I know a proper investigation has not been done because I ask for debt validation and I was told they don't have to provide that information they go with whatever the furnisher says. Or they send me these stall attic letters saying I didn't do something. I call the furnishers and they say they don't have any information I have to contact the credit bureaus. XXXX another credit bureau deleted the information which I sent them through the CFPB and they say they don't have it. XXXX XXXX sent me a letter saying that the account is fraud and they were sending it to the credit bureaus but they said they can't honor that. The reason they are being sued is exactly what they are doing to me. I was also told by one other reps to stop send my documents to the CFPB because that wasn't going to do anything but prolong my investigation. If the calls are recored this can be heard. 
SEE ATTATCHMENTS
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2024, my mortgage was transferred from my previous servicer to a new company called Fay servicing. I was not properly informed of this transfer and continued making payments through the automatic payment system with my previous servicer. My payment for XX/XX/2024 was successfully processed by the previous servicer. I only became aware of the new mortgage company and the transfer on XX/XX/2024, when they contacted me about my account being placed in default and a {$4900.00} default fee being charged with a {$50.00} late fee. On the same day, I immediately paid both the XXXX and XXXX payments in full to the new company. When I asked about the lack of notice, the new mortgage company stated that they only attempted to contact me by phone. I never received any email, text, or proper mail notification from them regarding the transfer. Additionally, I did not see or receive any notice that clearly outlined their expectations or provided sufficient information about how to make payments after the transfer. Furthermore, my payment history prior to the transfer shows that I consistently met my obligations without delay. The loan transfer occurred on XX/XX/2024, which means I am still within the XXXX grace period under RESPA which would end in XX/XX/2024. During this time, borrowers are protected from late fees, penalties, and default consequences caused by delays or confusion due to the transfer. Despite this, I was charged a {$4900.00} default fee and a {$50.00} late fee, which I believe is a violation of RESPA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I applied to XXXX XXXX  for the following : XXXX XXXX XXXX ( using XXXX ) XXXX XXXX XXXX XXXX ( using XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXXXXXX XXXX XXXXXXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX  report that the business name is correct. XXXX was wrong. XXXX, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called XXXX  bank  to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the XXXX and XXXX cards for this. The XXXX but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a XXXX  bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX XXXX was used. I asked her why the Denial letter cited XXXXXXXX XXXX XXXX. My XXXXinformation is correct so XXXX XXXX needs to be updated. XXXX  bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business XXXX and commercial XXXX card
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute to LexisNexis regarding inaccuracies in my consumer report under Case Number XXXX. The inaccuracies include : Incorrect aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False associations with Texas addresses where I have never lived : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX State XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Improperly attributed data, including : Email address : XXXX Phone numbers : XXXX XXXX XXXX XXXX Drivers license number : XXXX Insurance policies for the following VINs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A retired Social Security Number ( SSN ) ending in XXXX, which has been flagged for fraud and poses a significant safety risk. 

I provided a sworn Affidavit detailing these inaccuracies and requested their immediate removal or correction. LexisNexis reviewed my dispute but did not remove the challenged information, despite the clear evidence I provided.
Product: Debt collection

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. 

Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit reporting or other personal consumer reports

**Subject : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This hard inquiries do not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bull City Financial Solutions for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file. 

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by Bull City Financial Solutions . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights. 

**Verification and Documentation Request : ** I request Bull City Financial Solutions to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between Bull City Financial Solutions and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf. 

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by Bull City Financial Solutions .

**Compliance with FCRA : ** Bull City Financial Solutions is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 


Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into Bull City Financial Solutions ' actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX
Product: Student loan

my loan amount was {$14000.00}. in 2011 my wages were garnished {$420.00} a month. This went on for 3 years. I spoke to someone and they said my loan will be paid off in 3 years. After I contacted Navient why they were still garnishing my wages, they informed me my loan balance is {$13000.00}. I had already paid {$14000.00} from the garnishment. Yet, I still owe {$13000.00}. 3 years later I am still paying and my loan and the balance never is going down,. this has been a night mare and the worst part. The school i went to bankrupt and my degree is no longer valid. so i paid all this money for a worthless degree.
Product: Credit reporting or other personal consumer reports

I am filing the CFPB TO report ONE separate fraudulent account, appearing on my consumer file credit report, which do not recognize as reported in are results of identity, and fraud have resulted IN collections FICO credible report. Demand aforementioned item be removed from each that all activities related said cease pursuant rights with FCRA FDCPA law.

on my consumer file credit report, which I do not recognize as reported in which are the results of identity, theft and fraud. These fraudulent account consist of collection ALSO MY INFO GOT LEAK IN THE DATA BRECH XXXX BILLING SERVICE {$4700.00}. ( XXXX XXXX XX/XX/1980 XXXX )
Product: Credit card

I took out a XXXXXXXX XXXX loan to pay down all my credit cards. Somehow someone used my information, my phone to get some sort of game coins online. I have no idea how this happened but i do know that i told them that all of them were wrong. They said twice the charges were unrefundable however i am not paying this card anymore. I will not be held responsible for charges that i do not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX and TransUnion credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXX/XX/XXXX XXXX Balance : {$1500.00} DEPTEDXX/XX/XXXX XXXX**** Balance : {$1600.00} DEPTEDXX/XX/XXXX XXXX**** Balance : {$1700.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2600.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2100.00} DEPTEDXX/XX/XXXX XXXX Balance : {$2100.00} DEPTEDXX/XX/XXXX XXXX Balance : {$1200.00XX/XX/XXXX XXXX Balance : {$8700.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00}
Product: Debt collection

This is my response to your letter I received on XX/XX/XXXX, regarding Fraud Denied Reference Number DT XXXX ( attached file : 1. creditCorpSolLetter ). 

I am a victim of identity theft and have been attempting for more than the past two years to remove fraudulent accounts from my credit reports. While I was outside the U.S., XXXX accounts were opened fraudulently in my name without my authorization, including the following : Account Number : XXXX Card Type : XXXX XXXX XXXX  Your letter provided XXXX reasons for rejecting my fraud claim. I would like to address each one : 1. " Cards mailed to a valid address '' Could you please clarify which address youre referring to and how it was validated? 

My known U.S. residence periods are as follows : XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX, XXXX  XX/XX/XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX Present : XXXX, XXXX Between XX/XX/XXXX and XX/XX/XXXX, I was not in the U.S. To substantiate this, I have attached the following documents : 2. Identity Theft Report 3. Police Report 4. I-94 Arrival/Departure Record 5. USA Visas ( proof of U.S. entry and exit ) 2. " Account activated by verified phone number '' I am unsure what this refers to, as I have only XXXX phone number, which is XXXX. For privacy reasons, I have partially hidden it here and in the documents. I kindly ask that you refrain from calling me, as this process has already taken over two years, and I am exhausted by the repeated need to prove my case. 


3. " Verified phone number contacted XXXX prior to date of fraud reporting '' I have never contacted XXXX, nor have I ever held an account with XXXX XXXX. Could you provide evidence for this claim? This process is deeply concerning and feels unjust. 

Please inform me of any additional information required through the Consumer Finance platform. Thank you for your attention to this matter.
Product: Vehicle loan or lease

I took over a car lease from Ally Financial and made all regular payments to the end. 
On XX/XX/15 I called to extend the lease for one month & got confirmation no. XXXX. 

I received the lease extension agreement dated XX/XX/2015 which I signed and sent back with a check # XXXX. So I returned the car on time with in the allowed millage. 
After receiving a bill for extra $ 1300plus I called Ally and was told that they did not receive my check and that they did not extend the lease because of that. But I was told to send in a replacement check which I did check # XXXX for {$460.00} and then they would clear things up to XXXX balance. 
They cashed my check but, never credited the account. Since then I have proved my case to three different agents/managers with copies of all document and each one accepted the facts and promised to fix it and notting ever happened. 
This had been on credit for all this time I have disputed it however it's still on my record. 
This is not fair business practice and I'm sure against the law.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX 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 EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 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 XXXX 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 # ( private case number ) 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: Debt collection

This amount is incorrect it was for phone service and all phones were returned. and service was cancelled. i did report a dispute on  XXXX / XXXX /   2016  and was removed from my   XXXX   credit file, and was also removed from  XXXX , but i spoke to a  XXXX  representative who gave me your information to contact you because they keep putting in my credit file.
Product: Debt collection

I requested debt validation from Healthcare Receivables and I received back some charges but they changed the account numbers from what I request I requested a validation of debt from this company and they received it on XX/XX/XXXX. They sent back some charges and they did not respond to the account numbers that they have listed in my credit reports which are hurting me greatly. They have sent back fictitious accounts numbers bc they can not verify that this is my debt. The response on my complaint with XXXX  was the I was basically confused on what was an account number. They sent me some foreign account numbers that affected me being able to dispute with the credit bureaus. I will attach proof to this complaint. I have kept very meticulous records of my dealings with them.The correspondence that they sent has my named spelled wrong and an address I am not aware of. I do know my rights and I plan to use them to the fullest extent. I have no idea of these treatment locations nor this debt. I am convinced they are making this up to acquire money from people who don't know there rights. The dates they are showing on this paperwork is incorrect. I have witnesses as to where I was on the dates reported and will have that proof once we go to court. 
I KNOW THAT UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT WHAT MY RIGHTS ARE : REPORTING INFORMATION THAT YOU KNOW IS BLATANTLY A LIE AND INACCURATE VIOLATE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT! I do not recognize thus charges and will let it be known that I am disputing it.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.