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

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} 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 XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

Complaint # XXXX was filed against IC System and I received a very vanilla response to my concerns about them trying to collect an unverified debt. I have no idea what this debt concerns. I spoke with this company and they came to the conclusion that the address is incorrect where any so called notices were sent. CFPB you have my correct address so please ask them to verify it. I also requested them to send me any information used to verify this debt and what methods they used to verify it. Nothing was provided to me. I never used XXXX 's services and never will. I now have a paper trail and will definitely contact a lawyer and sue I C System, they are used to it by now.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to make a XXXX payment to XXXX of my employees who was out of State on vacation. I set him up with a XXXX profile and clicked on Pay. Somehow the payment went to a woman who I had previously done business with and had a good relationship. Once I realized thia, I tried contacting her but to no avail. She refuses to communicate or give the money back. I filed a complaint with bank of America but they denied it
Product: Debt collection

Transunion allows XXXX XXXX to report inconsistent information to Transunion, XXXX and XXXX. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Mortgage

My loan was transferred to this company on XX/XX/XXXX from XXXX. I reached out to PHH Mortgage to inquire about not receiving any statements and to get my loan number so I can began making payments online. I receive a letter on XX/XX/XXXX advising me my loan was over into a forbearance program. I never inquired or agreed to place my loan into a forbearance program. I received a notification from the credit agency advising me that a note was placed on my account facing financial difficulties this is inaccurate and falsifying records. I never requested an forbearance on my home loan. I contacted the manager at PHH Mortgage Services on XX/XX/XXXX and he advised that on Monday XX/XX/XXXX I will be able to begin making payments and that the remark will be removed from the credit report.. On Tuesday, I tried to make a payment again and the system is stating my loan is in forbearance and I am unable to make a payment at this time. I have tried reaching out to this company several times and someone keep hanging up in my face and will not transfer me to an account manager. I am devastated that I will lose my home. This company is giving me the run around regarding making payments for my home.
Product: Checking or savings account

Chase Bank refused to reimburse the money due to a fraudulent transaction that happened to my debit card. See the attachment for the letter. My automatically renewal debit card was stolen from my mailbox ( or at XXXX ). I was supposed to receive it on XX/XX/year> as the expiration date is XX/XX/year>. However, I did not. Then my checking account experienced multiple fraudulent transactions on XX/XX/year> and XX/XX/year>. Please see my bank statement attached from Chase. The first transaction was {$15.00} at a gas station in the XXXX. There are nine transactions worth approximately XXXX XXXX dollars in total ( all transactions for the days XXXX and XXXX, of XXXX ), and one of the largest amounts was an e-withdrawal of {$2000.00}. I realized this fraud when I was at home on XX/XX/scrub>XXXX XXXX I immediately locked all cards and contacted customer service by phone. The representative helped me clean up and replace the card. Per the representative, someone went to the branch, changed my PIN with a fake ID, and made a {$2000.00} withdrawal at the teller. Attached is the receipt for the withdrawal. I received temporary credit back from Chase on XX/XX/year>, however, I was noticed they are processed with my authorization and Chase will remove credits after XX/XX/year>. See the letters attached. In addition, I received an email from Chase customer satisfaction on XX/XX/year>, asking me if I went to the Chase branch, XXXX, located in XXXX XXXX XXXX XXXX XXXX XXXX. recently and requested a questionnaire for service experience. However, I lived in XXXX and have never been there. I worked full time ( XXXX - XXXX ) in XXXX, XXXX on XX/XX/year>. If any evidence is needed, I could request the recording from my employer to provide. My debit card is always kept at home and never take it out for any cash withdrawals. I only used it to pay the XXXX XXXX and the XXXX XXXX fee online. Obviously, the e-withdrawal of {$2000.00} and all other payments are not done by me nor even my families. How did people go to the branch and change my PIN without my real ID and signature? Chase is not responsible for the investigation at all! I have reported this fraud to my local police station ( Attached is the slip ) and will provide the complaint report No. to Chase once it is available from the police station tomorrow!
Product: Debt collection

The creditor listed on my credit report as XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this account. Please provide theoriginal signed agreement displaying legal validation with my signature provided on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question in the " XXXX  '' on my Experian Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX  years and XXXX months ago. This should put the account as delinquent in XXXX of XXXX  ( still passed the 7-year limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the Experian website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the XXXX  years had it not already been removed by the collection company. This account has already been deleted from XXXX of the XXXX credit report agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report to find out that someone has stolen my identity and attempted to get a credit line in my name. XXXX XXXX XXXX showed up as a Hard Inquiry that I did not authorize. I demand this be removed immediately in compliance with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on over there at the CFPB. I have always made my payments on time. For some reason, I realized that there were 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, also 60 days late on this account on XXXX, XXXX. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a senior citizen and a XXXX immigrant and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete also these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX and TransUnion. Can you also please fix that for me?
Product: Mortgage

Modification denial back in  XXXX     2017  by  Seterus w e appealed the denial on  XXXX / XXXX / 17  then the lender switched servicers to   XXXX   mid appeal period.      XXXX   would have to honor that appeal period but new servicer claims they does not have a welcome email or new Loan number for borrower. All Seterus can say is that they transferred them to   XXXX   XXXX  .      Per Foreclosure attorney for Seterus, they are still moving fwd with the foreclosure and are also representing new servicer in this foreclosure. Did make them aware of the situation in wrongful foreclosure.     Both lenders are unable to give any information.
Product: Vehicle loan or lease

I cured the debt of {$1500.00} paid through XXXX XXXX and emailed a copy to Honda Recovery Department ( Mr XXXX ) Acct XXXX. In addition emailed a copy of insurance and wire as well as allotment. I was told to pick the vehicle up once I sent the XXXX XXXX. 

We waited almost 4 hours at XXXX XXXX at XXXX, GA stated they are waiting for Honda to release the vehicle through XXXX .... 

Later after several calls, Ms XXXX from the Recovery Department was very rude and stated you had 90 days to pay so you can wait another several days to a week. Which she raises her voice and stated no extra fees will be waived I don't care if you waiting 3 hours ....

We never received any certified letter stating a repossession will take place. It's unfortunate that this covid crisis put a financial burden ... we paid what was due but Honda apparently Ms XXXX same lady earlier stating I have to go and get {$16000.00}. 
I drove 7 hours from North Carolina. I met the 10 day protocol and paid the account to current status. 

PLEASE assist
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Credit card or prepaid card

Dear CFPB, It has come to my attention that 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 reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is inaccurately reporting accounts on the credit profile assigned to my social security number. There are accounts showing as OPEN and CLOSED with late payments or owed balances that are not active. These accounts are reporting inaccurately and need to be removed from my profile. This is a violation of my consumer rights. 

Accounts : XXXX XXXX showing {$8000.00} balance and CLOSED XXXX XXXX XXXXXXXX showing XXXX XXXX usage, 1 late payment and OPEN XXXX XXXX showing XXXX XXXX usage, closed and 2 late payments XXXX XXXX showing 87 % usage and open.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX EQUIFAX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Product: Credit card

A capital one account was opened. The debit card that was sent, was stolen twice in the month, while I was XXXX XXXX XXXX XXXX due to homelessness. I contacted capital one to alert them of the fraud and to request new cards, as well as for a charge back of the balance and credit limit. They hung up on me multiple times and closed my account without letting me know. They stopped my access from the XXXX and never sent another card, nor did they return the credited amounts. I reached out over the course of a couple months, to no avail. Eventually, every time I asked for the charge back, or any explanation of what was going on with the account, the reps hang up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an issue with the mortgage attached for the loan under XXXX for over a XXXX XXXX. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as XXXX. We have almost XXXX properties like this. XXXX stands as XXXX  so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXXXXXX XXXX personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.
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 accounts 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 : 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