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

On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " XXXX XXXX XXXX ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my Equifax report. However, this attempted credit card application was fraudulent and the Equifax hard pull must be removed. 

I contacted XXXX - XXXX XXXX on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted Equifax on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with Equifax on XX/XX/2019 as well as contacted XXXX  - XXXX XXXX. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by Equifax. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from Equifax, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from XXXX - XXXX XXXX on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed immediately after these multiple attempts to resolve this through the bank ( XXXX - XXXX XXXX ) and credit reporting agency ( Equifax ). 

Additionally, this XXXX - XXXX XXXX fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

I was contacted continuously by Key 2 Recovery telling me I owed money. During that period of time, I was unemployed so they proceed to call my mother, at her employment, multiple times to get in contact with me, even though I did not have contact with her. I was threatened they would keep calling her job until I set up a payment plan. I was forced to make a payment plan but did not know what exactly I am paying for, I just set up a {$50.00} monthly payment so that they would stop contacting my family members at their employment. I have not been provided with an itemized receipt of all my payments over the years. The balance seems to not go down at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute letter to TransUnion regarding a fraudulent account on my credit report resulting from identity theft. The letter was sent via certified mail and received by TransUnion on XX/XX/year>, per USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. 

I provided all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Under Section 605B of the Fair Credit Reporting Act ( FCRA ), TransUnion was required to block the fraudulent account from my credit report within 4 business days and notify me of the resolution. However, TransUnion has failed to : Remove the fraudulent account from my credit report. 
Provide any written notification regarding the status of the investigation. 
This inaction is a clear violation of the FCRA and has caused significant harm, as I am in the process of securing a mortgage and the presence of this fraudulent account is delaying my ability to proceed. 
Also, Transunion deleted XXXX XXXX from my credit report on XX/XX/year>, but then re-inserted it back on XX/XX/year> ( which is another violation of the FCRA ). The FCRA states you have XXXX business days to re-insert account information after a reinvestigation takes place, and I did not receive notification within this timeframe. 

Disputed Account XXXX XXXX, Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding continues to illegally report two collections account on my credit report. LVNV Funding attempted to sue me in court, in which they could not prove the alleged debts belong to me and the judge dismissed the case. They refuse to remove a debt that one does not belong to me, and two one they can not legally tie to me. Please investigate this company as they are not abiding by the FCRA. I will attach the docket for your information.
Product: Mortgage

We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.
Product: Bank account or service

Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and Transunion to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 13 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 XXXX XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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: 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 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion 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 XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

This is in reference to the initial complaint submitted on XX/XX/2023, CFPB number : XXXX. The original issue was never resolved. After receiving copies of coverage from both the insurance company and mortgagee, Freedom Mortgage continued to state there is no insurance coverage. Additional insurance was purchased with escrow funds. It is because of this there is an escrow shortage. The " CERTIFICATE OF INSURANCE FOR COMMUNITY ASSOCIATIONS '' specifically states the following under remarks : All premiums paid in full by Association.

Property Manager is included on the XXXX XXXX. 
Lender Email : Waiver of subrogation against unit owners is included. 
Covers interior walls and fixtures as originally built. Wind/Hail is included under Property coverage. 

Please do not close this complaint without contacting the mortgagee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I have been a card holder for going on 2years.Have not missed any due dates pay on or before due date.Have tried for a credit increase 4diffrent times.Was denied every time.Each time the response is negative with a different reason.When I ask were or how they get there information i am told there's no one who can tell me why or how they get the results.Also they tell me there's no number to speak to anyone about their response.I have spoke to 8 different people.They all Tell me the same thing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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, has violated my rights.

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Product: Vehicle loan or lease

got into a XXXX XXXX  and told them i wasnt able to keep up with my payments told them to come and get the car never came and got all they did was take pictures
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report that I have no knowledge of or any association with. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am exercising my right to request a full investigation of this disputed item. Furthermore, per 15 U.S.C. 1681s-2, the furnisher is required to report only accurate information ; if the information can not be verified, it must be removed. 

Disputed Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Details : [ Include any additional details such as account type, balance, date opened if available ] I have never opened or authorized an account with XXXX XXXX XXXX Therefore, if you can not verify that this account belongs to me, I request its immediate removal from my credit file. Please confirm in writing the results of your investigation. 

Thank you for your prompt attention to this matter.
Product: Mortgage

We have been working with US Bank since XXXX of this year, XXXX. Our actual loan officer has been decent, and explanatory as we are first time home buyers. The woman who is under him that collects documents and is the one more in communication with you has failed to communicate through the entire process. Received all my documents vis US Bank portal ( w2s, tax return transcripts, employment letter ) all as of XXXX XXXX. Our closing date was supposed to be today XX/XX/XXXX at XXXX. Friday the lady in correspondence called and said I didnt provide my previous addresses for tax transcripts so she was able to pull them. Putting blame on me, I then screenshotted the email that had my previous address in it AND her response ( XX/XX/XXXX ). Needless to say, I had to go onto the IRS site and request the last 2 years for her. I had them sent to her at XXXX ish MT time. Yesterday XX/XX/XXXX, I got a call saying everything was a go for our signing today XX/XX/XXXX at XXXX. Great! We have driven 12.5hrs to do this and taken off work. At around XXXX the lady calls back to tell me the money that was gifted was unsecure and we couldnt close. She had all the documents and statements last Wednesday XX/XX/XXXX, I spoke with her several times, and this information was never mentioned. She tried to play it off again as if it were my fault. So here we are 12.5hours from our previous home and unable to sign and move in to our new home. Her superior, the loan officer contacted me and said there should be no reason we cant close as scheduled today because all the documentation has been provided. This has been such an awful experience as first time home buyers, id never wish it on anyone.
Product: Checking or savings account

When I opened my accounts I was told by the phone banker in order to avoid fees I had to have automatic transfers set up of XXXX each month to keep the account free and the phone banker had to set them up. I only just learned that it is not true and I needed an average balance of {$500.00} in order to avoid the fee. I was never told this and then I couldn't even be refunded all the fees like it was my fault. I want ALL fees reversed in full. This is the bank 's fault, not mine.
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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.