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

Transunion failed to remove my two tax liens ; Docket # XXXX and Docket # XXXX. Neither one of these liens adheres to the National Consumer Assistance Plan ( NCAP ) which requires that liens and judgments can only remain on the consumers credit file if it displays the full name, address, SSN or date of birth. The above mentioned liens display a partially redacted SSN and no date of birth. Given this, there is only one solution : Permanent deletion from my credit file/report. The following is from Transunions website : Following the Metro 2 format, Furnishers must report : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ) Address Full Social Security Number Date of Birth ( mmddyyyy ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  in XXXX Louisiana Fraudulently to multiple lenders ruining my low inquiries and credit scores. Please IMMEDIATELY the following same day Fraudulent Unauthorized private Inquiries pursuant to FCRA XXXX XXXX XXXX XXXX XXXX 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

my hunsband got laid off from his job that he bend have for XXXX something years.we had to let our car go back .son had to come back from collage.we coundnot afford my house payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Mortgage

Complaint about loan with Shellpoint : A Division of Newrez Note : All times in Central Time Zone I received a call from this phone number on XX/XX/2023 at XXXX : XXXX XXXX XXXX XXXX The caller said to call at XXXX XXXX XXXX XXXX, which I promptly did. 

The system did not allow me to get through despite entering the correct phone number ( which was the prompt ). I tried back again today, XX/XX/2023 at XXXX. Again it asked for phone number to verify me, which it failed. I then tried loan number, that too failed. 

This servicing company is not available to get through to return phone calls. After multiple prompts I finally got through ( again, I feel as if Shellpoint is intentionally making it difficult for borrowers to get through to them ). 

Upon getting through, I was asked why I was calling. I informed them that I was returning their phone call. The representative did not know why they had called me and speculated that it was a welcome call. 

I requested a response as to why they had called me and they said they could not tell me as they didn't know. 

I would like a response as to why I am getting harassed with phone calls and being told I have to call back and then wasting my time without anyone on the other side being able to explain why I was called in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inccuate information on my credit profile. They have failed to resolved the issue and remove this inaccurate informtion. They have also failed to provide me with the requested information as to how they verified these items therefore this company in not in compliance with FCRA laws.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect does not reflect my true credit history. I have never had a debt with XXXX XXXX, they claim this debt is through XXXX but this was settled and already removed once when XXXX went out of business and it was successfully removed after XXXX confirmed the deletion. The debt has been wrongfully reinserted and was not properly investigated after this company I have never had a contract or agreement with this company and it was never properly investigated.
Product: Credit reporting or other personal consumer reports

XXXX mailed out unsolicited letter to consumers about an XX/XX/year> discovery of massive data breach. They offer " free '' Equifax monitoring for one year after signup. The letter describes the log in process but it doesn't work at Equifax. They don't respond and want a credit card purchase instead. Either XXXX or Equifax has fooled the government into thinking this is enough of a settlement for allowing my personal info to be stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion LLC

about two credit cards that does not belong to me. I have filed a complaint with the banks at for these credit cards and they verified that it does not belong to me, which I stated to Transunion. I requested them to investigate. I also requested a credit report during this wait. I investigated this matter with the credit card company where they helped me narrowed down that these info belongs to my brother who lives in the household as me. The bank was able to verify that this instantly. The bank sent this dispute to Transunion. Weeks later. However, the " investigation '' from Transunion came back where the " RESULTS - VERIFIED AS ACCURATE AND UPDATED. '' No information was provided on how this was true. The credit report also came. Information on there shows my name plus **obviously** another name. Did Transunion really do any investigation? There were not just credit card info but numerous other things that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I recently discovered that on XX/XX/XXXX, a transfer of {$4200.00} was made from my Coinbase account to a XXXX account. I learned that a XXXX account was created in my name after I received credit and debit cards from XXXX via mail. While the money was being transferred, there is no notification from Coinbase. The representative from Coinbase said the case is under investigation but have not received any update.
Product: Credit reporting or other personal consumer reports

multiple auto loan inquiries and credit card inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries XXXX XXXX XXXX
Product: Mortgage

In early XX/XX/2021 we were offered a XXXX XXXX VA Streamline Interest Rate Reduction Loan by Freedom Mortgage Corporation which we accepted. As of todays date, XX/XX/2021 this loan is not closed. We have made numerous numerous phone calls and sent several emails asking what is the problem. We are given the same 3 responses : 1. The loan must be sent to underwriting for review 2. The loan must be submitted for final approval 3. They must request an updated payoff They continue to pull our credit, send us emails and call us telling us to provide them with a payoff, or to contact them to schedule a closing only to repeatedly give us one of the above referenced reasons why they can not schedule a closing date. We are literally receiving 2-3 phone calls on the same day from different people giving us 1 of the 3 excuses why a closing can not be scheduled. Now, we are being told that because it is taking so long to close this loan the rate lock has expired and we will be assessed a XXXX  % fee to extend the XXXX XXXX rate. 

A VA Streamline Rate Reduction Loan is the simplest mortgage loan to complete and yet Freedom Mortgage Corporation will not close this loan. We believe that for some reason they do not want to honor the terms of the mortgage loan they offered us and are trying to irritate us to the point we withdraw our application.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Tried to get 3 credit reports at annual credit report.com. After entering in all the information it wanted it came back with a generic error that it couldn't process the request. Tried again several days later ( today, XX/XX/year> ). Requested 3 reports, got one report for XXXX and when attempting to get the next one for XXXX XXXX it just sat there with a spinning wheel icon for 10 minutes. When I clicked 'resend code ' it came up with a screen that said 'Thank You, you have visited all your selected credit reporting companies ' even though I only got 1 of the 3 reports. Tried to go back in and start again with XXXX XXXX and it said 'Our records show that XXXX provided you with the credit report ( s ) you were eligible to receive via this website ' even though I never received a report from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ( ) Great news! We are waiving all late fees that were assessed between XX/XX/XXXX and XX/XX/XXXX. Additionally, we are working with the credit bureaus to restore your credit history to the status as it was reported prior to XX/XX/XXXX. 

We recognize that setting up a new Log In ID was an inconvenience and caused confusion for some of our customers. As a result, more of you, our valued customers, had to contact our customer service center for assistance which created longer than normal hold times. We would like to apologize for this inconvenience and make it right, which is why we are waiving all late fees. 

Please know that we have worked tirelessly to increase staffing levels in our call center. We continue to monitor our performance while we hire and train new associates as quickly as possible. 

Our recent move to a brand new online account management system was intended to provide greater value to you and we know in the long run, it will do just that. The new system offers you a better user interface and more tools to help manage your credit card and improve your score such as : a wider selection of email alerts a greater array of self-service options the ability to search for transactions request expense reports to help you manage your budget better NEXT STEPS To receive your fee refund or correct any credit reporting, you dont have to do anything! We have already done this for you. 

If you havent already done so, we encourage you to enroll in the new account management system. It will only take a few minutes of your time. Click here for a quick visual on what to do should you need it. 

Dont forget, youll have to re-enroll in e-statements. We have forgiven the {$3.00} paper statement fee through XXXX but encourage all of our cardholders to enroll in order to avoid the fee in the future. 

Thank you for being an XXXX customer. We appreciate you. 

Sincerely, XXXX XXXX XXXX XXXX Join our community on XXXX for fun, credit tips and support. 

Copyright 2017. XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, PA XXXX XXXX | XXXX ******I was sent this email last year and I am still disputing this credit report for showing a late payment that XXXX will not rectify. I have never been late and this late payment is showing up on my credit report. I called today and spoke with someone about this error after disputing the credit bureaus twice and being told that they don't have a late payment from me at all. Ever!! I have a late payment on my credit report that is the fault of this company Nd they refuse to rectify it. They even sent me over to thier credit counseling company that told me that this is not their job but the job of XXXX!! They are denying any late payments but are also not fixing the problem with the credit bureaus about it. I shouldn't have to continue to fight a company I volunteered to do business with. Be careful of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Product: Student loan

On XX/XX/XXXX I received a notice of change for my student loan service provider from XXXX to Aidvantage now this happens to come right before XXXX lost the lawsuit against them. I have contacted Aidvantage to receive my account number as well as any other documents needed to see if I qualify for student loan cancelations and that information was never given or sent to me I am still currently waiting. When I attended school in XXXX of XXXX XXXX was still named XXXX XXXX not University as it is now. I was coerced into agreeing with whatever terms were stated at that time due to my age at that time XXXX and not knowing what I was getting myself into. Now fast forward to XXXX  and understanding all that is happening makes me believe I was deceived by my school and student loan lender. Now Aidvantage is simply wanting me to resume my payments but the information I have kept requesting about my account and summary is being denied or ignored.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX of 2022 that included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.
Product: Debt collection

This account has been unauthorized and illegally opened not by XXXX XXXX XXXX. Due to that this account needs to be removed ASAP from all 3 credit bureaus. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent out disputes to the credit bureaus XXXX, XXXX and XXXX about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.
Product: Debt collection

The Debt Collection company Cedar Business Services of XXXX California. I have done some research online ( XXXX, XXXX, etc, ) about this company and it seems they have thousands of people that are victims of the same company and crime. They are claiming I owe approx. {$2500.00} from a company called XXXX, a bitcoin company. I was the victim of fraud during this time and this is a residue from that Identity theft. I have notified them of this mistake and that I did not purchase, nor do I own, any XXXX  I have written them a letter, but they refuse to release this " debt ''. They are now sending negative reports to credit score companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per 605b FCRA : Collection Account XXXX XXXX XXXX   {$980.00} XXXXXXXX XXXX charge off LAI800- {$2500.00} XXXX XXXX XXXX chargeoff
Product: Debt collection

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. 

Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. 

XXXX of XXXX XXXX : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. 

I
Product: Debt collection

I have NEVER used XXXX XXXX XXXX services
Product: Credit reporting

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

XXXX XXXX - Account XXXX This account is incorrect. 

Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.
Product: Vehicle loan or lease

My identity was stolen and a imposter turned into me by using my date of birth, social security number and name to open up this car loan account. Went to dmv got id and license with their picture on it with my name and date of birth.