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

XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and 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 of a account opened at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts 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, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # 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 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: Mortgage

I purchased a single-family home from XXXX and closed on XX/XX/2021. I made my first two mortgage payments to XXXXXXXX XXXX on XX/XX/2021 and XX/XX/2021, and then received a notice in the mail that the loan is being sold to Lakeview Loan Servicing, as of XX/XX/2021. I called Lakeview to see if I am able to make a payment directly to them, in lieu of XXXXXXXX XXXX, and the associate I spoke to said yes, but wait 3 business days to make sure the information from XXXX XXXX  pulls over correctly. I made my mortgage payments to Lakeview Loan Servicing on XX/XX/2021, XX/XX/2021, and am about to make my third loan payment to Lakeview Loan Servicing today XXXX XX/XX/2021 XXXX. However, I want to refinance my loan and take advantage of lowering my interest rate since I lowered by XXXX by paying off credit and increasing my credit score. During the process of getting ready to refinance, I realized I had never received a statement from Lakeview Loan Servicing, despite making two payments. I checked their online website and their " Document Center '' does not have any statements available to view. Therefore, I called their customer care center, and I have been calling for the last three and a half weeks, talking to various supervisors, trying to get a statement. I should have had two by now, for XXXX and XXXX. Every time I speak to a supervisor, I am told they are working on obtaining a statement with their vendor and am told to give them more time and to call back in 48 hours OR I am told a statement will be emailed to me by the end of the day ( spoiler alert : I have never received a statement ). I have asked for the name of the vendor and they will not supply it to me. I have asked to speak to someone above a supervisor and I have been told there's no one else to talk to. I have asked what they're doing to get me a statement, and I have been told there's a XXXX request with the vendor to provide a statement and I still have not received a statement. I have been calling almost daily since approximately XX/XX/2021, and I still do not have a paper statement reflecting my loan information. This is a major compliance issue and, as a consumer, my rights are being violated per XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I purchased a new vehicle. My loan for said vehicle is with XXXX XXXX XXXX as has been established in CFPB case XXXX. 
There are FOUR other hard credit checks also detailed in the above case that are showing on my credit report from the same day. This goes against the fair credit reporting act AS DETAILED IN THE ABOVE CASE. Further failure to addresss my concerns will result in legal action. Please remove the FOUR incorrect hard credit checks from my report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The law requires the fair credit act law be followed no if and or but about it the fact is my credit report at Experian is completely false based on my race and gender being a successful aXXXX with good credit this company have failed to update my credit card usages on a monthly basis I have my evidence its your job to get your evidence on my credit card balance by the end of the business day today I want the experian app updated or remove all my personal information for life by the end of the business day today False credit card balance is fraud the law requires a monthly update that never occurs based off my race and gender I filed over XXXX disputes within this year of XXXX since XXXX, XXXX and XXXX with mail sent out as still pending and no update or inaccurate information fully removed this is against the law and your job to correct and removed and verify all information on a monthly basis as the The fair credit act law requires all Credit bureau to follow rules and regulations do you understand that law if so do your job by the end of the business day today The law requires I file XXXX dispute only and thats thats not law requires me to keep disputing the same information on my credit report I have already filed dispute on all not XXXX on all XXXX loan if experience, Customer Service employees and managers cant obtain my XXXX loans information, they need to be fired for failure to do your job. Call the XXXX department of education XXXX call them do your job call them right the XXXX now before the end of this XXXX business day XXXX call them right the XXXX now department of XXXX education loans you have the loan holders information on all of them XXXX XXXX loans call each one of them XXXX and see what the XXXX they tell you dirty XXXX I have headed up to the roof with you. Incompetent XXXX XXXX working in this XXXX department, putting the whole XXXX consumers phone because you failed to do your XXXX job and keep this XXXX information up to XXXX date I want you XXXX fired you dirty XXXX XXXX, and I dont give a XXXX I said what the XXXX I said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX and Experian letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and XXXX XXXX and experian and they still have the items listed on my credit report.
Product: Credit reporting or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX
Product: Mortgage

Hello, I pay my mortgage on time and I am current on both of my loans. Citadel Servicing Corporation continues to not process my on time payments and has marked both of my loans Inactive. They also continue to send me Notice of Foreclosure every month on both mortgages. I have been fighting with them and they will not resolve the matter. They have been doing this to me since XX/XX/XXXX and until this day XX/XX/XXXX. 
XXXX # XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Access of my credit, unauthorized inquiries not from myself
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Truist Dealer Services XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent and Inaccurate Accounts To Whom It May Concern, I am filing this complaint regarding several fraudulent and inaccurate accounts that are being reported on my credit report. I have attempted to resolve these issues through the appropriate channels, but the inaccuracies remain. Below are the details of the accounts in question : XXXX. 
XXXX XXXX XXXX IN o Original Creditor : Consumers Energy UA Accts o Account Number : XXXX o Balance : {$240.00} o Dispute Reason : The collection agency has failed to provide any verification or valid documentation for this account. I request that this account be removed immediately, as it can not be verified. 
XXXX. 
XXXXXXXX XXXX o Account Number : XXXX o Balance : {$3900.00} o Dispute Reason : This is a fraudulent account. As per 15 U.S.C. 1681, I request the immediate deletion of this account from my credit report. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$600.00} o Dispute Reason : I have never owned a credit card. As per 15 U.S.C. 1681, this account is inaccurate and must be deleted immediately. 
XXXX. 
XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX o Balance : {$960.00} o Dispute Reason : I have no knowledge of this account. Only one bureau is reporting this account. Per Section 623 of the Fair Credit Reporting Act ( FCRA ), any account that is potentially inaccurate must have the reporting party 's address conspicuously listed. This requirement has not been met, and I request this account be removed. 
XXXX. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX o Account Number : XXXX o Balance : {$1100.00} o Dispute Reason : The collection agency failed to provide any verification or valid documentation for this account. Please remove this account immediately. 
These accounts are either fraudulent, unverifiable, or inaccurately reported. I have attached supporting documentation, including a copy of my identification, my credit report with the disputed accounts highlighted, and any other pertinent documents. 
I respectfully request the CFPB investigate these matters and take appropriate action to ensure these inaccuracies are corrected. I also request written confirmation of the investigation results and the steps taken to resolve these issues. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or clarification is needed. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, GA XXXX. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX The correct name is XXXX XXXX The correct employer is XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

XXXX, XXXX XXXX
Product: Debt collection

Debt not validated I contacted Online Information Services to have them validate an unknown credit collection account ( XXXX act # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor showing that I sign a contract with the company
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I was incarcerated for some time in the years of XXXX and I have not used credit for anything recently besides XXXX  and XXXX. XXXX helped me recently disputes multiple items I cant recognize I really need help with this issue of inquiries and and accounts on XXXX equifax and XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 fraudulent transactions on my online bank statement. I called the bank that day and was told the charges would be reversed. 
On XX/XX/XXXX the charges were still showing on my account and I called again. This time I was told that because the charges were " pending '' I could not do anything about it yet. But the money had been removed from my account on XX/XX/XXXX. They said that I had to watch the account and call back to start a claim when it was no longer " pending '' and had " posted ''. I asked what the difference is between posted and pending since the money was gone. They said none. 
I only used a debit card because the bank advertised it was as safe as a credit card, but now they are telling me it is less safe than a credit card. 
I have lost over {$3000.00} and the bank is unresponsive. 
What can I do?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>