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

Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization
Product: Credit reporting or other personal consumer reports

This 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 , to 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 Secured loan at XXXX XXXX on XX/XX/XXXX under the account number ( private ), And that resulted in collections with a balance of {$2300.00}, and a personal line of credit account opened at XXXX XXXX on XXXX. XXXX, XXXX under account number ( private ) and that resulted in collections with a balance of {$360.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My credit reports indicate that there was a late payment error from SchoolsFirst Federal Credit Union. I never been late on any of my statements with them. This late payment error is unfairly bringing down my fico score and I need this corrected right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus. 

I have not applied for any type of credit with XXXX XXXX. 

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Product: Debt collection

I received a collection letter from Cascade Capital Funding , LLC in XXXX of XXXX dated XX/XX/XXXX for my visit to XXXXXXXX XXXX Hospital on XX/XX/XXXX in the amount of {$1700.00}. 
My health insurance was with XXXX XXXX at that time. I contacted XXXX XXXX and was provided the following information for that date of service. The amount was {$1300.00} not {$1700.00}. The contracted amount with XXXXXXXX XXXX  Hospital was for {$120.00}, the amount paid by XXXX was {$120.00} and the patient 's amount to paid by me ( the patient ) was {$0.00}. 

Additionally, I believe this is a fraudulent attempt to collect on the behave of XXXXXXXX XXXX Hospital, ( who has been closed for nearly a year to date ). I never received a billed from XXXXXXXX XXXX  Hospital prior to its closing for any of its services, since did have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION 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 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 XXXXXXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX & XXXX XXXX EACH company XXXXs in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report on my credit report.
Product: Student loan

XXXX XXXX XXXX does not report payments that I pay. I check monthly and they get the money when I check it's all ways some excuse told to me some 3 Rd party credits the account. It's all ways some story to the payment. I don't get no phone call back after they say there going to look in to it. I fax the copies of payments every month it's they did ot get it. but when I check the bank or the XXXX XXXX  they had the money and cash it. There is nothing but the run around with XXXX XXXX. on my credit file there has not been no payment reported for the last 5 months up to XX/XX/XXXX. I have all my copies as well as proof they cashed the checks. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which makes no sense to why XXXX XXXX Cashed the checks but not reporting my payments. I fax time after time proof but no return call. Nor a letter as stated by the phone.
Product: Vehicle loan or lease

A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX  . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX   license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.
Product: Debt collection

Today XXXX XXXX XXXX has a {$950.00} debt on my credit report from original creditor XXXX  ... only issue, I've already gotten this disputed and removed from my credit report in XXXX ... it was under AFNI, INC. on XX/XX/XXXX it was disputed and removed from my XXXX and other credit bureaus and I have the proof... so how does XXXX XXXX systems claim I still owe this debt XXXX years later ... it was disputed under AFNI , INC in XX/XX/XXXX and then XXXX XXXX comes along and get it added to my credit report XXXX years in XXXX after I already successfully got it deleted and removed from my credit report. 

They are a scam and are doing something illegal in my opinion. the debt can't keep showing up under different names and creditors years after I get it disputed and removed. please have XXXX capital delete and remove this from my credit reports across all XXXX credit bureaus IMMEDIATELY, this is negatively affecting my ability to get a new apartment.
Product: Debt collection

Trans world systems This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of trans world in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.
Product: Payday loan, title loan, personal loan, or advance loan

Had trouble paying bills. Worked with a debt consolidation company and told bright side loans. They starred contacting me everyday calling emailing numerous times. I told them in XXXX, 2 times in XXXX and in XXXX they were harassing me to stop. They continued to contact me. Now threatening to send my account to an attorney telling me they don't threaten they make promises.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report, these accounts are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX & XX/XX/XXXX I requested an investigation of incorrect information and report of the Omni account Multiple times with the wrong information where I did not take out those loans.
Product: Debt collection

For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with Nelnet. They have been in violation. In exhibit " A '' Nelnet have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and Nelnet keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. Nelnet also violated my right to privacy as pursuant to 15 USC 6802.
Product: Mortgage

1 ) On XX/XX/2018, after paying the Private Mortgage Insurance ( PMI ) for more than a year, I paid the new appraisal that Flagstar requests me in order to study the possibility to waive the Private Mortgage Insurance ( PMI ) 2 ) On XX/XX/2018, Flagstar told me that the appraised value was insufficient to warrant a waiver of the insurance. 
3 ) On XX/XX/XXXX, after several phone conversations with the PMI Department of Flagstar, they suggest me to DISPUTE the appraisal value. 
5 ) On XX/XX/2018, I sent to Flagstar an email with all the information that they requested me in order to dispute the appraisal value, in order to waive the Private Mortgage Insurance. ( including at least five Comparable houses sold in the last six months ) 6 ) On XX/XX/2018, after three weeks without a response, I sent a follow-up email to Flagstar. I did not receive any response 7 ) On XX/XX/2018, I spoke by phone with their PMI Department, and they assured me that I would get an answer on XX/XX/2018. They gave me the Case Number : XXXX, but I never heard back from them. 
8 ) On XX/XX/2018, I spoke with Mr. XXXX XXXX, Home Leading Area Manager of Flagstar, and I sent to him a new email. He sent me on XX/XX/2018, an email where he very kindly let me know that he escalated my case " through his management chain '' 9 ) On XX/XX/2018, I called Flagstar again and someone from the PMI Department told me that my case has not been yet resolved and that I have to wait for 3 to 4 weeks more for an answer ... 
10 ) On XX/XX/2018 I wrote an email to the Office of the President ( Flagstar ) asking for his collaboration in this case. 
11 ) On XX/XX/2018, I received an email from The Office of the President where they told me " We look forward to providing you a response within 30 business days ''. 
10 ) Until today, after more than FIFTY-TWO ( 52 ) days since XX/XX/2018, I have not received any response. 

I am not sure how many emails, phone calls, and months this company needs to answer a request from one of your clients. I am so sorry, but I am exhausted by this absurd bureaucratic system of Flagstar, and this is why I need your help. I would appreciate very much your kind consideration and valuable help in order to resolve this situation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that have been paid/ settled. Syncb/Walmart and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Product: Credit reporting or other personal consumer reports

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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identify theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Currently being reported as a XXXX account XX/XX/XXXX after being removed XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires 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 and accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires 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 inquires are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. After sending multiple letters to XXXX, I have not received any response from them nor seen any changes to my report. The negative account which I have been disputing still appears on my credit report. This is clearly a violation of XXXX XXXX. Additionally, there is no name associated with this file & which needs to be deleted due to inaccurate information.Please delete this account below : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Experian about items that are listed on my credit report that aren't mine. Dating back to XX/XX/2018, I've reached out to Experian 8 times ( once every 30 days ) just to get a generated response that doesn't address my complaints. Experian keeps telling me that the creditors verified the account, how is that possible if I can't even get in contact with the original creditor?

XXXX   and XXXX  couldn't get in contact with the creditors either, which is why they removed the invalid accounts from my report.

I have copies of every letter and the certified tracking numbers that are associated.

Hopefully, I can fully resolve this matter once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the XXXX day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company XXXX XXXX refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX