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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 XX/XX/year>
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. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

We are homeowners whom have experienced financial hardship caused by health illness and want to retain our home. The servicer claims we do not qualify for a loan modification due to a payment increase followed by a prior loan modification during XXXX. The existing loan modification the servicer is referring to has no value on its face pursuant to Florida Statute 687.0304 ( 2 ) for the following reasons : 1. Pursuant to Florida statute 687.0304 ( 2 ), a loan modification is not an agreement if is not signed by both, borrower and lender. The agreement reflects that it was not signed by the lender at all and therefore we never had an agreement.

2. The loan modification has no enforcement in the state of Florida for the following reason : The loan amount increased due to the loan mod and the lender failed to pay the requisite taxes rendered the note and mortgage unenforceable, making the instruments unenforceable when the final judgment was entered, Florida Statute 201.08 ( 1 ) ( b ) and 199.282 ( 4 ), respectively imposes a documentary stamp tax and intangible tax. Fla. stat 201.08 ( 1 ) ( b ). Fla. Stat. 2018 199.282 ( 4 ). Fla. Stat. 201.08 ( 1 ) ( b ), " The mortgage, trust deed, or other instrument shallowing not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon. 
The lender never paid the intangible tax as it is required by the State of Florida and therefore the note does not have any enforceability. 

It is obvious that we never had an agreement. We are requesting mortgage assistance, the lenders excuse in that loan mod can not be offer due to prior loan mod that would make the loan payment increase is not acceptable, the document it self revelas that we never had an agreement. On XX/XX/XXXX, we provided the servicer a full complete financial package to be review for a loan mod and are awaiting for the outcome.
Product: Debt collection

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

TRANSWORLD SYSTEM INC # XXXX
Product: Credit card or prepaid card

The issue is causing me XXXX XXXX XXXX XXXX, to the point where I'm having trouble sleeping.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( TOWER LOAN ) date opened ( XXXXXXXX  ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.
Product: Mortgage

I have been trying to get loan modification assistance thru Wells Fargo for over 10 months now. Each time I submit documentation for review they continue to request the same information over and over again and claim they do n't have it. I recently reached out to them on XXXX XXXX 2016 and spoke to : XXXX XXXX in the REENTRY DEPT XXXX where he requested documents for review. He stated upon receiving the documents as long as they were uploaded and received 8 days prior to my foreclosure scheduled date of XXXX/XXXX/2016 they would postpone. 
I submitted 100 % of requested documents but after faxing them in on XXXX XXXX 2016, they stated they all documents requested were not received. The initial list of documents they requested on XXXX XXXX changed so when I recently called them the list of documents changed and stated the file was incomplete, I feel they purposely added more documents in their notes so that my file would be incomplete. 
I have requested a reinstatement quote over 30 days ago and have yet to receive it. Documents where faxed to Fax # XXXX In addition to this issue each time I am denied they fail to provide me with letters stating why and do not give me the opportunity to appeal their decision, when I do ask for copies of the letters they state they were mailed but yet I do not receive them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX  Not Issuing a 1099-C After Debt Charge-Off Dear Sir/Madam, I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXXXXXX ) failing to issue a 1099-C form after they charged off my debt. The account in question is associated with my XXXX XXXX Account XXXX [ XXXX ], and the debt was charged off in [ XXXX XXXX XXXX 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a 1099-C form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX 's customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX complies with the IRS regulations by issuing the required 1099-C form for the canceled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax XXXX  THE XXXX data breach XXXX  may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Bank account or service

*THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. 
PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. 
QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? 

ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? 
ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. 
**THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. 

The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. 
Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. 
If there is any further questions you can have your bank contact our office. 
Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Checking or savings account

Bank Regarding : Wells Fargo Bank, N/A XXXX XXXX XXXX XXXX, OR XXXX This amount was taken by XXXX XXXX XXXX XXXX to pay for full coverage on my XXXX XXXX XXXX that I own. I spoke to agent XXXX and he said he is not going to pay me anything for my vehicle that was stolen. I have a police report on file and I have not been contacted by any XXXXpd detective as between XXXX. 

XXXX A recurring payment was authorized with card XXXX for {$120.00}. 

My car was used to drive to work and I was issued a parking permit by my employer The XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Dates employed were XX/XX/XXXX - XX/XX/XXXX. My car was purchased XX/XX/XXXX with a cashiers check at the XXXX and XXXX location where I paid for a safe deposit box. I did not know that my life was in danger by a United States XXXX who accompanied to the bank to get my cashiers check. I was never aware of any additional persons in my vehicle or anyone holding any fire arms at the time of purchase. I have recently been denied a housing voucher by my employer XXXX. XXXX the CEO said she was closed when I inquired about an emergency situation that threatens my life since my vehicle was stolen on XX/XX/XXXX. 

Will you please put back all of the money my sister XXXX XXXX XXXX deposited to my account from her bank XXXX  XXXX XXXX. She wanted me to go to school and find a job, which I done. This type of discrimination is contagious all over Downtown XXXX XXXX, I feel this omission of danger is not to be ignored by any Banking institution. It can cause robberies. I also had a roommate named MsXXXX XXXX. I am almost sure she came in the bank pretending to be me. If so will you please freeze her assets everywhere.
Product: Credit reporting or other personal consumer reports

Accordance to the f. C. R. A. Everything has to be 100 % correct on my credit report, with all 3 bureaus. The credit bureau stated that my account was properly investigated, But how is that possible when dates? With all 3 credit bureau are beyond inaccurate, along with mailing address to the credit acceptance company. Due to this, this is ground for removal off my credit report.

This also has violated my rights. 15 U.S.C 1681 section 602 A, rights to privacy and section 604 A, that states Consumers reporting agency can not furnish information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : 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

XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out TransUnion and latter reached out the bank on XXXX XXXX XXXXXX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to TransUnion the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, XXXX XXXX
Product: Credit card

I ordered an item on swappa on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with XXXX party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why XXXX XXXX received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!
Product: Mortgage

The underwriting department did not know what they are doing and they are very sloppy and unorganized. They are very inefficient, always asked the same information twice. First they gave the excuse of waiting on revised appraisal. they received the appraisal XX/XX/XXXX then asked for my HOA insurance policy, I got it for them the same day then said waiting for Title clearance. Why don't they check all of that as soon as they received my application XX/XX/XXXX. The loan was closed XX/XX/XXXX, it took almost 2 months that is too long, The last, not the least they paid {$150.00} expedite fee for HOA statement out of my pocket without my consent. There is no reason for it and there is no rush for it at all. 


I files the above complaint with them, received a reply to aske me to call their care team, They do not even have such a team, My call was transfer to XXXX and he said would get back to me no later than toldy XX/XX/XXXX, but he did not.
Product: Credit reporting

I 've disputed credit line entries on XXXX, XXXX, and Equifax credit reports. Many credit report line entries have been adjudicated by CFPB including robo-signing by major national bank credit card accounts such as XXXX, XXXX, XXXX XXXX XXXX plus more. 
Additionally, these fraudulent credit card accounts are resold to predatory debt collectors - adjudicated by CFPB already. Many debt accounts are XXXX or XXXX debt placements and many exceed MN Statute of Limitations for debt collectors. I require CFPB assistance?
Product: Debt collection

Sham investigation into inaccurate reporting. Please have them provide me with consumer wet ink signature consent for any and all reported inaccuracies. Like XXXXXX/XX/XXXX CHARGED OFF.XX/XX/XXXX XXXX, XX/XX/XXXX, and any negative reports on consumer report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRIES To Whom It May Concern : I reviewed a copy of my credit report noticed some unauthrized inquiries, which is why I have a personal statement on my credit that says to contact me prior to allowing a company to run my credit. 

Listed below are the company names, and dates of the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022 XXXX dated, XX/XX/2022 XXXX XXXX dated, XX/XX/2022 XXXX dated XXXX XX/XX/2022 According to he Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of consumer reports, it says that a consumer must authorized the transactions and these transaction weren't authorized by me, which is the consumer. This is violation of my rights to privacy. 

I am requesting for this unauthorized inquiry to be removed XXXX
Product: Vehicle loan or lease

National Auto Lenders is reporting an inaccurate repossession on my credit reports. 

I have disputed this account directly with National Auto Lenders, and in return of my dispute I received a copy of a sales contract and no other documents. If they are able to report an inaccurate repossession on my reports, shouldnt they have a statement to prove all payments and fees? They should include the billing statement, proof of them notifying her when the car was sold, a letter showing how much the car was sold for and other disclosures. 

A sales contract is not proof of debt and if they can not provide valid documents to show how and why this account is reporting as a repossession, they do not have the right to report this account on my credit reports. I am requesting that all further documents be sent or this account to be deleted from my reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I did an online dispute with Experian. To my surprise they account dispute was complete by XX/XX/21 however, there was no notice of dispute then pulled my official credit report and notice no comments indicating this account was dispute. Which means there is some trickery going on with Experian because of this violation Im asking for deletion of account. By the way Ive attached a copy of my credit report showing this and a screen record video as well