23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a grave matter that requires immediate resolution. After conducting a recent review of my credit report, I discovered several entries indicating bankruptcy claims associated with my name. I want to emphasize that I have no knowledge of these bankruptcies, and they are entirely erroneous. It has become apparent that I am a victim of identity theft, and I am reaching out to seek your assistance in rectifying this urgent matter. 

The details of the inaccurate bankruptcy claims are as follows : Bankruptcy XXXX XXXX XXXX I vehemently dispute these bankruptcy claims and wish to emphasize that they are a result of identity theft. I have attached a copy of my identification, along with any supporting documentation, to validate my claim. I request a thorough investigation into this matter to determine the origin of these fraudulent activities and to take the necessary steps to remove these inaccuracies from my credit report. 

Please provide a written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you take steps to enhance the security measures on my credit file to prevent further instances of identity theft. 

Thank you for your cooperation in addressing this critical issue promptly.
Product: Credit reporting or other personal consumer reports

It has been over 6 months and the bank has not cleared all inquiries Removed the home I had to leave due to my health I called them in XX/XX/year> and nothing has been done. 

My health is still not good called today XXXX and both men subordinate and manager were disrespectful and violated fair credit and AXXXXA I informed them XXXX XXXX XXXX XXXX they continue to be dismissive and the manager hung up on me. 

He came to the call rude and never once thanked me for my service never once did either try to speak louder but they were very loud and clear when he told me he's hanging up on a XXXX veteran XXXX XXXX XXXX XXXX  that is a protected class member This was an attempt to get debt consolidated for the position they had a large part in ruining my credit which prior to the decline of my health was excellent for 23 years
Product: Debt collection

I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''
Product: Vehicle loan or lease

I called Ally Financial to question the debt? To question my extention of credit to Ally as a consumer and i realize i am accused of having a debt. I have not received a title for a XXXX XXXXXXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.
Product: Mortgage

I have applied for mortgage relief under the XXXX program since XXXX under XXXX and since XXXX with OCWEN Loan Servicing. Each time I have been denied or the bank took to long to review documents. I was approved for a short-sell earlier this month after 4 months of waiting and the buyer pulled out due to the amount of time taken. I am again applying for a Deed-In-Lieu as I am XXXX and this is going to affect my security clearance. I am EXTREMLY unhappy with the service I had received and would never recommend this company as a loan servicer. They have extremely bad customer service and shady business dealings. Please help.
Product: Credit reporting or other personal consumer reports

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 identity 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 on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # 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 theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house and over the past year, I have been working on my credit. The main issue I have is I disputed the spelling of my name which I have never used and it was never fixed. I constantly get credit offers and preapprovals under that wrong name. I reach out to Equifax in hopes they could fix the issue and not only no response but they never fixed it. I know most credit reporting agencies have a list of other names but this misspelled name is the main name on the credit account. My name is XXXX XXXX and they have my main name as XXXX XXXX. I can see my dispute on my credit report but no response, action or confirmation of any kind has been sent to me. I simply want my credit file to have my real name. Not some made up or typo name.
Product: Mortgage

I am currently selling a home in XXXX  that we purchased in XXXX with a XXXX loan. I have moved to XXXX this month on XXXX XXXX XXXX. We secured a buyer in XXXX for a XXXX  loan assumption with our current mortgagee, Freedom Mortgage. We sent our initial Assumption Packet to Freedom on XX/XX/XXXX. We did not thereafter receive contact or calls from Freedom until we emailed on XX/XX/XXXX asking for an update. I received a call from Freedom on XX/XX/XXXX stating that they had a call set up on XX/XX/XXXX for the buyer to complete his portion of the application. This was completed on the XXXX. At this point we were quoted a XXXX day timetable to approval of the assumption. 

On XX/XX/XXXX I received an email from a different party at Freedom asking me to execute a XXXX XXXX XXXX, after which the timeline would be XXXX days. This was already more than a month after I was initially quoted the same timeline. I returned the executed form the same day, XX/XX/XXXX. The agent confirmed that there were no outstanding requirements to the assumption. On XX/XX/XXXX, one week after we had confirmation from Freedom that everything necessary was turned in, we received notification that the assumption had been submitted for initial underwriting. We have now been paying mortgage in a home we no longer occupy as a consequence of a XXXX move in addition to paying for housing in our XXXX XXXX station. We believe that Freedom has violated the VA 's 30 day statutory requirement as stipulated in the VA Lenders Handbook given that we were told they were in receipt of a compete assumption package on XX/XX/XXXX. 

Throughout this process several calls and emails went completely unanswered. When we did receive emails, they often provided partial answers or completely left out a response to one of our questions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, back in XXXX XXXX XXXX XXXX XXXX and they stole my identity and identification. 

I have no connection or knowledge with the said accounts. I have done with the police stated and filed the appropriate documentation. I did the identity theft report and the police report so now im coming here. 

please help me this is Fraudulent and damaging my Consumer report.
Product: Debt collection

I got an alert on my credit about this collection which do not belong to me, I have no knowledge or debt with this company. I contact the Collection agency and the representative could not find any information on me because I have no debt with this company yet it stills appears on my credit. I need this collection of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im Authorizing this complaint on my behalf. I cant believe you guys are taking a vantage of me. I have sent several letters out to the credit bureaus and they all have said they comply with FCRA guidelines. 
I have come to understand they are reporting inaccurate information. The day are open the account is inaccurate, so is the reporting. Its been more than 60 days I need these counts deleted and updated. if not I will file my attorney damage because you are a violation 15 USC code 1681a and 15, USC code 1681n as well. I will like immediate assistance
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXX/XX/XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00}
Product: Debt collection

On XX/XX/2023 I received XXXX Derogatory marks from a collection agency named National Credit Systems.

The first one, in the amount of {$450.00} from a creditor named as an apartment complex in XXXX XXXX Texas named XXXX XXXX XXXX XXXX XXXX The second, In the amount of {$6300.00} from a creditor named as XXXX XXXX. also and apartment complex in XXXX XXXX. 

I did not sign any lease with either of them. I live in XXXX as a home owner. I believe my identity had been stolen and I was a victim of identity Fraud.

My credit has been frozen on all Bureaus since XX/XX/2023. So these apartment complexes definitely did not do their job of properly verifying my credit. 

I Have contacted National Credit Systems. a person named XXXX XXXX has been in charge of this case that has an internal reference number : XXXX XXXX XXXX has requested me twice to send the same documentation package that their identity fraud team requested. I have sent all documents requested by Mail and E-mail as they requested. 

Since XX/XX/2023, I can only see the second charge of {$6300.00} on my account. I believe National credit systems removed the first charge. 

But they failed to remove the second. 
XXXX XXXX XXXX is unaware of the documents I sent, it seems that their department do not communicate internally, so he can't answer why one charge was removed but not the second.

when I asked what should I do about this, he forwarded the same first e-mail with the same requirements. Which was frustrating.

Since this communication isn't going anywhere, I decided to contact CFPB to weight on the resolution of this matter.

I am a Real Estate Investor and can not afford to have these kinds of issue on my credit. it is crucial that this gets removed from my account ASAP.

I am attaching the same documents that the debt collector requested for your revision. including the police report file in XXXX, water bills and home insurance policy to prove my place of residency on the time the events happened and signed affidavits. 

Please help.
Product: Credit card or prepaid card

I called Navy Federal Credit Union ( XX/XX/XXXX at XXXX ) to get a credit card extension and they denied it siting obscure reasons. They increased my interest rate to an unreasonable rate. I'm on a fixed income and they are squeezing to the point of causing my credit score to go down. I've contacted them via direct message on the app ( XX/XX/XXXX & XX/XX/XXXX ) they provide for customers and nobody has responded to me. I'm a XXXX  veteran who's looking for work and their lack of flexibility in providing extension or reducing my interest rate is predatory. I've since called again ( XX/XX/XXXX at XXXX ) to resubmit the same application for an extension and waiting on word back. The amount I owe on the card is {$17000.00} and they want me to pay {$690.00}. They have failed to provide the assistance they claim to provide on their app under the past due accounts tab they so conveniently highlighted on the app to remind me that my account is past due.
Product: Debt collection

Each day McCarthy Burgess & Wolff calls my cell number. I return the call, and they say my number is not in their registry, they can not remove my number. I have no outstanding debts turned over to collections. These are harassing irresponsible robocalls. This has been going on for several weeks. 

Their address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX I will put my phone in the do not call registry again, hoping this reduces the robocalls. This irresponsible company needs to pay me a rate of {$60.00} per hour for each call, and then pay me a {$5000.00} pain in the XXXX fee. Then maybe I'll forget the whole thing before I travel to Ohio later this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Equifax is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Equifax consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Equifax on XX/XX/2022 and Equifax stated that they will not be blocking the information pursuant to section 605B ( c ). They also stated that identification was not sent. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report XXXX Unless Equifax can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.
Product: Credit reporting or other personal consumer reports

: Request for Assistance with TransUnion 's Failure to Remove Bankruptcy per 15 U.S. Code 1681b Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to bring to your attention an issue I have been experiencing with TransUnion regarding the removal of a bankruptcy from my credit report, as mandated by the provisions of 15 U.S. Code 1681b. Despite providing the necessary documentation and meeting the requirements for the removal of the bankruptcy, TransUnion has failed to take the appropriate action.

I initially submitted a request to TransUnion to remove the bankruptcy from my credit report as it has been more than seven years since the date of filing. As per the Fair Credit Reporting Act ( FCRA ) outlined in 15 U.S. Code 1681b, bankruptcies are supposed to be automatically removed from credit reports after a certain period of time. However, TransUnion has neglected to comply with this legal requirement. 

I have made multiple attempts to contact TransUnion and have submitted all the required documentation to support my request for the removal of the bankruptcy. Despite my efforts, the bankruptcy continues to be reflected on my credit report, negatively impacting my credit score and financial opportunities. 

I kindly request your intervention in this matter to ensure that TransUnion adheres to the laws and regulations governing the removal of bankruptcies from credit reports. I believe that my rights as a consumer under the FCRA are being violated, and I seek your assistance in resolving this issue promptly. 

I have attached copies of the relevant documents, including proof of the bankruptcy filing date and the request for removal, for your reference. Your attention to this matter is greatly appreciated, and I look forward to your prompt assistance in rectifying this situation. 

Thank you for your time and attention to this important matter. I am hopeful that with your intervention, I can successfully have the bankruptcy removed from my credit report in accordance with the law. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/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  Account # XXXX - ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 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 an account without my written instructions.
Product: Debt collection

I have never done business with Online Information Services and they did not provide me with any validation. I declare under the penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitiues a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services or money and was successful in creating some accounts All Is being Investigated by FTC XXXX
Product: Debt collection

Universal Envoy Corporation opened a fraudulent debt account. XXXX XXXX XXXX accounts receivable says there is NO debt owed to them by me. They also went further to say, this is not one of their debt collector agency they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

My score dropped 67 points. I contacted Transunion rep unable to explain why. No changes to my credit. Other companies score did not drop. They has to be a system error with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by CONTINENTAL FINANCE.

Specifically, I allege that CONTINENTAL FINANCE has engaged in the following unlawful practices : Non-compliance with opt-out requirements ( 15 U.S.C. 6802 ) : This section mandates that financial institutions provide consumers with a clear and conspicuous explanation of their right to opt out of sharing nonpublic personal information with non-affiliated third parties. I have never received such notification from CONTINENTAL FINANCE on two separate accounts.

Failure to honor opt-out rights ( 12 CFR 1016.7 ) : This regulation grants consumers the right to opt out of information sharing at any time. I hereby exercise this right and formally opt out of any further disclosure of my nonpublic personal information to any non-affiliated third party for both of my accounts with CONTINENTAL FINANCE.

These violations have caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter thoroughly and take appropriate action to hold CONTINENTAL FINANCE accountable for their violations.