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

I am writing to express my frustration with Experian regarding my credit report. In XXXX of last year, I requested a security freeze and a fraud alert. However, I now realize that this was not the best course of action, as it has led to constant denials of credit. I am currently in the process of repairing my credit due to fraud, and these measures are hindering rather than helping. 

I have been trying to contact Experian for three months now to request the removal of the security freeze and fraud alert from my account. Despite multiple attempts, I have been unable to speak with a live person. I have been directed to a website ( experian.com/fraud ) that supposedly allows for the removal online, but all it provides is a document to print and mail, which I have done with no results. 

I am extremely frustrated with the lack of response and action from Experian. This situation has caused me significant inconvenience and financial harm. I urge the CFPB to intervene and help resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit card or prepaid card

Barclays was offering me a {$20.00} statement credit when I used use their card three times to place orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX. 

I did so. 

It has been over 5 months. I have not received the {$20.00} credit. As a result, I canceled the card when the annual fee was charged. 

Please remit the {$20.00} owed as a check, as I no longer have the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2018, I started an investigation confirmation XXXX and XXXX regarding Bankruptcy 's listed on my credit report. Equifax notified me by mail and closed the investigation on XX/XX/2018 and XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

On XX/XX/2018 I faxed over a letter to Equifax that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX and are now saying it will be completed on XX/XX/2018. 

Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was going through a divorce in XXXX, we were contacted by an investor who offered to take over the payments and drew up contracts promising to pay off our mortgage and take it out of our name in 5 years. He stated at any time if they were late on a payment or failed to maintain the home we had the right to take our home back. Every time a late payment was made I attempted to contact the investor, the mortgage co and was threatened with a lawsuit if I ever contacted the mortgage company again. I now own a home that is in need of major repair, I attempted to get an equity loan to pay for the necessary repairs, my credit was declined due to debt to income due to the above property. This is always an issue when I apply for credit. I have tried speaking to lawyers about this issue and the story is always the same : the house is no longer mine and there is nothing I can do about it. I have the contract that we signed and he failed to comply with the terms. After we signed the contract the Title company attorney that drew up the papers was on the news for frauding homeowners and scamming people. The Mortgage company allowed them to take our credit and do a wrap-around loan of some sort. The investor turned around and sold the property to a Mr.XXXX accepted a lard down payment and did not apply it to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter submitted to Transunion on XX/XX/XXXX via Transunion online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Transunion XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : TRANSUNION DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXXXXXX and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, TRANSUNION is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my Transunion consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Transunion..
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have been asking the credit bureaus to investigate everything on my credit report to make sure it is reporting 100 % accurate. However, the credit bureau Transunion sent me a letter stating that the letter I sent was not from me and that it was from a credit repair agency! I have told Transunion over and over that it is myself a natural person disputing all inaccuracies on my report I send my driver 's license, social security card, and documents with my certified or first-class mailings, they are still failing to do their job! 


Please see the attached letters
Product: Mortgage

i'm the tenant living at XXXX XXXX XXXX XXXX, NY XXXX XXXX . XXXX. There was a certified letter from Rushmore Loan Mortgage company in the mail box, of which I left on the counter. The reason I'm contacting the CFPB is because I sent a letter to the SEC with a bunch of documents, because XXXX XXXX the condominium owner was XXXX and after one year the property is still in his name. and from XX/XX/XXXX to XX/XX/XXXX the property went through foreclosure. Some how the condominium board was able to collect the rental income from XX/XX/XXXX to XX/XX/XXXX from NYCHA while I paid my portion to XXXX XXXX. I was never served the required documents under RPAPL 1304 thru 1307. NYCHA can't produce documents showing XXXX XXXX XXXX compliance with RPL 339 : aa, z, kk. DHCR refuses to supply XXXX XXXX XXXX response to my complaint. So, my question to CFPB is Rushmore Loan Mortgage company so corrupt that they would open a mortgage loan in a dead man name? If the loan was taken out prior to XX/XX/XXXX ( the date of XXXX XXXX XXXX ) how did they receive the mortgage payments, because no estate file is filed with the XXXX Supreme Court. I haven't had a landlord in over a year and I'm curious why Rushmore Loan Mortgage Comapny would be sending certified mail to a decease person. I believe the SEC didn't investigate because the XXXX XXXX XXXX XXXX and the State of New York Retirement Fund was invested into the property,
Product: Credit reporting, credit repair services, or other personal consumer reports

Became aware that I was a big victim in late XX/XX/2022. As a result my credit reports all three have taken a major hit with hard and soft inquiries, Several accounts that I didnt apply for, Miss pay for work for having to handle the identity thats issue and approximately {$600.00} in funds that were stolen from my accounts. I have contacted all three major credit reporting bureaus and advise them and put XXXX freeze on my credit reports. But there are still increase in accounts coming up that are not mine that came from this identity theft and I want them took off my reports
Product: Debt collection

I solicited XXXX of XXXX, MD for the burial of my grandmother, XXXX. At that time, my total bill was {$8000.00}. XXXX had a life insurance policy of {$5000.00}, which was signed over to the Funeral Home, bringing the balance to {$3000.00}. Additional payments were made to the Funeral Home. The funeral home turned the account over to Hunter Warfield for collection of the original, full balance of {$8000.00} in addition to interest of {$220.00}. On XX/XX/2017, I sent a cease communication and dispute letter to Hunter Warfield disputing the debt, requesting they cease calling my phone numerous times a day without leaving a voice mail or answering when I answer, and requesting documentation showing verification of ownership of this debt, itemized account details showing original amount of debt and all credits made and accounting, itemization showing the {$8200.00} balance, and any documentation showing they are licensed to collect in the State of Maryland. On XX/XX/2017, I received a response from XXXX Hunter Warfield stating Enclosed is verification of your debt and attached the original document completed at the funeral home at the time of PLANNING the burial. None of the documents I requested, most importantly an itemization of credits made to the account, were included. On XX/XX/2017 I responded by written correspondence reiterating I asked to be provided with " all documentation showing verification of this debt, itemized account details showing original amount of debt, all credits made and accounting showing the balance as set forth in your correspondence. As well as documentation showing you are licensed to collect in the State of Maryland. Their two sentence cover letter and attachment of the original planning statement of funeral services was insufficient, and again requested an itemized accounting showing how they reached the {$8200.00} balance, retrieve proper documentation from their client regarding credits made to their client from the life insurance policy, as well as payments made. On XX/XX/2017 I received correspondence from XXXX with the same two sentenced cover letter and the same original statement of funeral services. This company has refused to supply me with anything other than the original planning document, nothing showing the life insurance policy payments or other payments made to the account, and continues to try to collect on the full, original balance that is not owed. This company refuses to submit any of the information requested in both dispute letters submitted to them. They have reported on my credit bureaus as a collection account in the amount of {$8200.00}, which I have disputed with the credit bureaus. The account was kept on my reports as Hunter Warfield verified the debt, despite reporting that the full balance was still owed. They are collecting on an amount that is completely false, as well as falsely reporting to credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

Sometime in XXXX I completed a loan application with Transform credit. There was not an option for a " cosigner '' to input their information, they instead have to complete a separate application. Therefore there is no cosigner, this is misleading information. Secondly, they have a signed promissory note already but is withholding my funds. Third, they continue to draft my account despite XXXX not releasing the funds for the loan and me calling them and stating they did not have my permission to do that and I needed to be issued a refund.
Product: Bank account or service

I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.
Product: Checking or savings account

I have had a checking account opened with a XXXX  named Albert ( https : //albert.com/ ) for over one month. With no prior notice, I was blocked from accessing my account, and the debit card no longer works. I tried contacting the company, which demanded a bunch of documents from me -- purportedly to verify my identity -- and I provided all of it promptly. ( They made me email the documents to a generic support inbox, and did not provide a secure portal to do so, even though it was highly sensitive information that they wanted. ) Yet, despite providing the information by email in a prompt manner ( within about an hour ), my online account access has not been restored, and I have no access to the funds in my account. 

This XXXX raises huge red flags because there is no way to speak to a human. The company has a phone number, but it consists only of prerecorded messages, and there is no way to navigate to a human ( you can try for yourself ; the number is XXXX ). The company insists that you contact them through text or email, but they do not respond promptly to either mode of communication. Best of all, they actually encourage you to pay a monthly fee to have access to their representatives ( ironically called " geniuses '' ) by text, even though the representatives are basically nonresponsive when a concern actually arises. 

Their XXXX  page is filled with complaints similar to mine XXXX XXXX XXXX XXXX ). Can you imagine if a real bank didn't have a phone number that allowed you to speak to a human? And also if that bank locked you out of your account and made your funds inaccessible, with no prior warning? That's exactly how this company operates. I urge in the strongest way possible that an investigation be opened into this company and how it operates. No company should be able to freeze your account for no apparent reason without providing a means to speak to a human to obtain a prompt method for resolving whatever the issue is. Don't let this company escape responsibility for its shoddy operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX - XXXX XXXX   - XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian and XXXX multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.