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

In my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX account opened on XX/XX/2023 under the account number XXXX on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies 3 bureaus : Experian, XXXX, and XXXX Someone open a fraudulent account in my name {$500.00}. My name is XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened XXXX. 
. These accounts have resulted in a fraudulent collection 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, as reported. The aforementioned accounts, collections 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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

XXXX XXXX XXXX  is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are not abiding to the XXXX day response on my disputes
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX for {$19000.00} Santander Consumer USA INC XXXX XXXX, TX XXXX was paid {$430.00} for 71 installments My maturity date was XX/XX/XXXX of this year I have now passed six months and Im still paying for this vehicle still owe $ XXXXI do believe Im being prayed upon for this extra XXXX XXXX was given an order to pay XXXX extra dollars or sign for 10 extra months of installment payments or have my car repossessed I have already paid 77 months of installment payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

attempted to chat with transunion about my credit score drastically different that XXXX, XXXX XXXX they allowed less than 60 sec for me to reply. they ended my chat before allowing me to ask questions Dispute Temporarily Unavailable. 
Looks like theres a temporary error. 
What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
If this problem continues, you may choose to dispute by phone or mail. 
To report this error, contact our Website Access Support team. 




Login Security : Please check your email. 
Two-Step Authentication From time to time, we ask customers to take additional steps as a standard security protocol or to align with security enhancements. For your protection, additional authentication is required before you can log in. 
We have sent a 6-digit authorization code to the email address associated with your account : XXXX. 
Enter Code This field is required. 
SUBMIT Chat started at XXXXXXXX XXXX We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Hi XXXX, thank you for contacting Transunion. My name is XXXX. How can I assist you today? 
Transunion Support i recently applied for a medical loan through my doctors office and it was denied .. my credit score XXXXXXXX XXXX transunnion report showed a different crediti score than XXXX and XXXX XXXX XXXX I do apologize about any inconvenience and I appreciate your time contacting us today, I'll be more than happy to help you with your score XXXX PM It is important to know that there are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore model and may not be the credit score model used by your lender. 
Transunion Support credit report said my credit score was 500 something .. XXXX  shows XXXX XXXX XXXX PM Have you already tried to get a copy of your report or purchase your score with us? 
Transunion Support i hav a copy in my hands As a reminder you can get your report by visiting Transunion.com at any time and you can get your report each 7 days due to covid-19 until XX/XX/2022 through XXXX You can also purchase your score by {$0.00} by visiting those websites Transunion Support XXXXXXXX XXXX you cant purchase your score from transunion for XXXX cents .. the only options charge XXXX recurring monthly .. regardless that is not my reason for chatting XXXX XXXX Understood XXXXXXXX XXXX In this case based on what I mentioned before you will find different scores from us, XXXX XXXX or your bank because we do not share information or same credit score model each other Transunion Support XXXXXXXX XXXX Chat ended due to timeout
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/22 I submitted a dispute for fraudulent accounts and inquiries appearing on my Experian Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the DC XXXX Police Department ( XXXX ). 

Despite this, XXXX failed to block the information. On XX/XX/22 Experian sent correspondence stating that I needed to provide additional information. Experian also notes, " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' Assuming they are referring to the police report based on the reference to criminal penalties, this was submitted to the DC XXXX Police Department. Moreover, an Identity Theft Report was was submitted to the FTC via the FTC 's website. As the attached documents show, a copy of my drivers license and utility bill was provided along with correspondence which included my full name, social security number, date of birth, complete addresses for the past two years and list of fraudulent accounts. All of the information that Experian states is required, was provided to them on numerous occasions. Despite this, they continue to report fraudulent information including inquiries and accounts related to ongoing Identity Theft. 

Given that all of the information that is required to block fraudulent information was already provided Experian and was received by Experian as evidenced by certified mail receipts, they are required to block this information. Experian 's ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Student loan

I entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.
Product: Checking or savings account

We received an email on XXXX saying that our online Wells Fargo account has been frozen and we've never had an account with Wells Fargo. I contacted WF to inquire and they checked our names ( XXXX and XXXX XXXX ) and found no account data. I would not give them my Social Security number for a in depth file check. They said the only alternate action would be to send a copy of the email to their Customer Advocates Group, which I did. 

At one time, we did have a mortgage that had been purchased/managed by WF but we paid it off. I don't recall that time period but it could have been the period when WF was opening accounts for customers w/o their knowledge. My concern is that perhaps that happened and funds I did not have deposited or authorized stayed in the record to be later used illegally.
Product: Bank account or service

I tried the CHRCK STATUS above. The page says welcome XXXX XXXX and nothing else happens. 
I would like to check the status on my complaint XXXX. Citizens Bank has never provided proof of their actions which they promised me months ago. I since checked with XXXX Child Support Agency. The state of XXXX never properly filed for a Multi State Levy in XXXX to take such action. That 's because no such court pay order exists. I just want my money back. 
ThanksXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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
Product: Credit reporting or other personal consumer reports

Subject : Final Appeal To Remove Unauthorized Hard Inquiries from Credit Report. 
To whom it may concern, I told Equifax Credit Reporting Agency in my last correspondence on XX/XX/2024 that I did not recognized these Unauthorized hard inquiries on my credit report. I asked Equifax Credit Reporting Agency to remove them. I sent them all the proper documentation and several FTC reports to Equifax as they requested. and still refuses to ignore me trying to correct wrongs on my credit report. I have attached the final FTC Report for Equifax Credit Bureau. Equifax has continue to violate my consumer rights by ignoring and hanging up on me to try to rectify this ongoing situation.
Product: Debt collection

I received a phone call from Choice Recovery located in  XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to  XXXX   XXXX  in  XXXX , OH or  my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XXXX 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

Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Equifax has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX Applied for a {$20000.00} vehicle loan and between XX/XX/XXXX and XX/XX/XXXX I had to document and explain an negative credit on my credit report. 
XXXX-Reviewed credit report and found that my ex husband had completed and signed a loan modification on an existing mortgage. This loan modification was with a new vendor, new payment amount and new payment terms. I had not been notified or signed or agreed to this contract. 
XXXX I called the vendor and obtained the account number and requested documentation that was signed on the closing of this modification. I was told that there was a signature page with my signature and it had been notarized. I requested those documents because I had not signed any such documents. 
XXXX After 4 phone call attempts and a whole day wasted, I finally received those documents which I will attach to this complaint. After receiving the documents, I noticed that the signature page that was mentioned was not the signature page of the loan modification agreement. It was the signature page from my divorce property distribution order that happened almost 1 year earlier to the date of the modification. 
XXXX-I called the vendor and talked to multiple people trying to make them see that, that was not the appropriate signature page and that my signature never shows up on the contract. Which means I did not agree to that agreement and that they were missing the court order stating that any changes to the original mortgage was be modified to remove my name and be in my ex husbands name alone. The last conversation was ended with a lady going to investigate and call me back. Now 2 weeks later I have received no such call. So I sent a copy of these documents to my lawyer. 
XXXX Community Loan Services or Bayview Amount roughly {$95000.00} where the original mortgage was down to roughly {$84000.00}
Product: Mortgage

i received a discharge from bankruptcy and paid off the mortgage arrearage. The horrible servicing nightmare that is XXXX continues! They are still not reporting my current mortgage status to the credit bureus!. In fact, the idiots have reported my account as being closed to the credit bureaus even as they send me stressful " advance '' notice of late payments when none of my payments have been late during the entire course of the bankruptcy and after. This company is absolutely atrocious, and you ( CPPB ) have to be aware of their practices. This is the second complaint I've filed against them in less than a month ( after checking my credit report yet again to see if the reporting has been changed ) as well as having filed a request for a reasonable accommodation under the ADA which they still have yet to respond to. 

I am sick, XXXX with XXXX XXXX issues and anxiety is a daily stressor. My house is the single most important part of my recovery and dealing with this company is literally killing me from the additional anxiety caused by their carelessness, callousness and downright deviousness. I don't understand how these companies can continue to get away with these kind of practices and not be sanctioned in some way. PLEASE PLEASE PLEASE do SOMETHING. Merely forwarding my complaints to them does absolutely nothing as they have not made one change in their practices and have been the worst example of a mortgage servicer I have ever seen. 

Carrington is literally detrimental to my mental health and causing me anxiety far in excess of what I need. They don't respond properly to anything and always give inconsistent information. Calling is a waste of time because when one does speak with a representative, it is usually after wasting time on hold. And even then, the person usually lacks knowledge to deal with the situation, provides inaccurate information, or transfers me to someone equally ineffective. I hate that I'm stuck with a serial debt collector as mortgage servicer and that their actions appear to be sanctioned by this body, which is supposed to help me. I obviously just emerged from bankruptcy, and even with considerable equity in my home, refinancing is not an option. Otherwise, I would have jettisoned this horrible situation and nightmare of a company before. 

Again -- Please Please Please do more than forward this complaint.