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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 it came to my attention that my personal information was leaked in the Equifax, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to Equifax, XXXX & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, Equifax, XXXX  Fraudulent Accounts : All XXXX XXXX XXXX & All XXXX  XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, Us Dept of Education
Product: Checking or savings account

I opened a checking account with Key Bank on XX/XX/2019 based on a mail solicitation I had received to open such an account. As an incentive to opening the account the mailing promised a {$500.00} credit if you make " ONE single KeyBank direct deposit of {$500.00} or more within 60 days after account opening. * ". Obviously, receiving the {$500.00} credit was my primary motivation for the action I took. 
When I read the fine print of the mailing it noted that the only acceptable direct deposits were " payroll, Social Security, pension and government benefits ''. Today ( XX/XX/2019 ) I contacted Social Security ( online ) and redirected my monthly Social Security check to my new Key Bank account. After entering the required information on the Social Security web site, it informed me that the first deposit to Key Bank would be with my XXXX payment ( XXXX was not an option ). My XXXX payment would not occur, however, until on or about XX/XX/XXXX. Thus I would not be able to qualify under their 60 day rule. 
Since this was only a day or two later than the 60 day requirement, and since I was probably not the first retiree to encounter this situation, I was hopeful that they would make an accommodation for my good faith effort to get the direct deposit ( which, of course, would be a recurring deposit ) into my new account. I was wrong. I made this determination when I called the " 866 '' number on their mailer and  spoke with one of Key Bank 's representatives. He said they would not make an exception and that I should instead direct my payroll or pension benefits as a direct deposit ( he noted that he was aware that Social Security routinely could not meet a 60 day direct deposit deadline, but that other sources such as payroll or pension probably could ). I am retired and I am not currently on a payroll. My pension payment goes into an account from which my mortgage and credit card debts are automatically debited making any change to that arrangement complex and undesirable. 
I told the Key Bank representative that I felt their mailing was deceptive at best and perhaps fraudulent. I told him that because of their lack of having a reasonable accommodation for my situation, I would be terminating my account. He said if I did that I would be assessed a {$25.00} early termination fee. At that point I told him I would also be filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit score has dropped from XXXX to XXXX in a weeks time due to me shopping around for a loan for a new house. 

I was told, which I believe is correctly, that shopping around for a loan in a specific time frame should not impact my credit score. IE multiple inquiries for Mortgage within a 45 day timeframe should count as a single inquiry. 

However, Transunion is showing multiple inquiries and impacted my score significantly. ( -45 points )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Mortgage

I initially contacted the servicer of my primary home, Nationstar, in XX/XX/XXXX for a loan modification. I went through the entire process, was verbally told by the loss mitigation department to not include my husband 's income since he was " not on the loan ''. I had no idea this was incorrect information so I did as instructed. Months went on with lots of back and forth with requested documents, etc. Ultimately Nationstar denied this modification due to lower than necessary debt to income ratio. Basically, because I had not included my husband 's income information even though the bank statements I provided showed income of nearly $ 23K per month, I was denied. THEN, Nationstar sent the denial letter to the wrong address and by the time I found out what had happened, I had lost any right to an appeal. I called Nationstar only to be given wrong information AGAIN! I was told to send in a contributor form which they emailed to me ... ..only this form. THAT was incorrect! Apparently I had to resubmit an entire new workout packet including this contributor form ... .so I keep getting bad information which only further delays the process for month after month after month. On top of that, the interest rates have gone up since then so I was denied by virtue of Nationstar 's error the right to appeal their decision in time AND lost out on the lower interest rate. Per the MHA today, I met the eligibility requirements back in XX/XX/XXXX and should have been approved under the HAMP Tier 2 program. Since that time I have had to resubmit paperwork 3 times, been denied a 2nd time just recently because they claim my home is a " 2nd home/Vacation Rental '' which IT IS NOT! Our home is a duplex, one side is rented out during the ski season to skiers and vacationers, I 've explained this with a letter of explanation, provided luxury bills, explained our tax returns, all at their request and they STILL maintain I do not live here full time. I do n't know what else I can do as I feel like all I do is get the run-around, delays that end up costing ME, the homeowner, for no reason other than clerical errors. I know Nationstar had the correct address back in XX/XX/XXXX because I received statements and correspondence from them to my address between XX/XX/XXXX and XX/XX/XXXX. When the denial letter was sent out XX/XX/XXXX, it was sent somewhere back in Utah.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted XXXX and submitted the proper documentation ( drivers license, social security card, FTC report with my accurate name ) required to have the accounts removed that are not in my name. The accounts and inaccurate name ( XXXX XXXX, XXXX XXXX ) were removed and reinserted without proper investigation or without proper notice. The FCRA states that in order for reinsertion to occur, the client must be notified within 5 business days.. I was never given such notification I have reached out to XXXX numerous time to inform them that they are reporting several accounts that are not in my name and inaccurate, that have been reinserted without the proper due diligence and either it is impossible to get through to the bureau due to an automated system that doesnt allow for the consumer to speak with a live person or if by some miracle, I am able to get through, XXXX refuses to remove the items and as a consolation, they file another dispute and it comes back as verified as mine, despite the account not being in my name. This issue has caused me and my family great hardship and I have been unable to qualify for jobs, receive car loans, receive credit cards or loans. If f I am approved for anything, the high interest rates takes the payment out of my reach. I demand that XXXX follows FRCA laws and removes these inaccurate accounts that have been reinserted without proper notification or compliance immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

My name is XXXX XXXX. I have previously opened 2 different cases for this account, the first with XXXX XXXX with case # XXXX, then one with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, XXXX XXXX  with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to XXXX XXXX 

No one wants to state claim to this account, what I am asking CFPB to do is since neither one wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have EXPERIAN XXXX XXXX remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # 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 with my written instructions
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX.
Product: Debt collection

I received a nasty collections letter from Sequim Asset solutions LLC threatening my credit score of XXXX for an alledged debt of {$91.00} to XXXX  mobility. while i have 2 XXXX  accounts, one for home internet and one for wireless internet in my XXXX, both of those accounts are on auto pay. I do not have a third account with XXXX. said collections agency is threatening my credit rating. As a small business owner my personal credit is extremely important to me. I do not owe this debt and there collections tactics are extremely threatening.
Product: Debt collection

This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.
Product: Mortgage

The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : ACCOUNT # XXXX AMOUNT : {$2200.00} Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 

Thank you
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

Transunion did not remove erroneous inquiries that I have no personal knowledge of, not accounts, nor gave authorization to do so
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX FCU : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX