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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX  Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$50.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX Experian is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX XXXX  is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX Experian is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Experian is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX 1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.
Product: Mortgage

Hello, I've been having many issues with this mortgage company and was reading their reviews online and noticed that the positive ones are all " fake '' ( most have only 1 or 2 reviews and can not be validated ) by following up the trend. The negative reviews, however, looked real and exactly the same problems as mine. The company is reporting my payments wrong continuously and does not respond correctly to my concerns. They are very shady and worry me. 

An example of a negative review similar to my issue is below 4 weeks ago SHELLPOINT Mortgage is the most unethical mortgage SCAMMERS MORTGAGE COMPANY in existence. THEY ARE Scammers!!! My mortgage was sold to them after I purchased my home. Soon after I realized the horror of the schemes they carry out in order to add unwarranted fees. Even sending falsely reporting me to the credit bureaus in the highest point of a pandemic. They LIE and I had to battle it out with them and they still refused to remove it. The credit bureau informed me to make a note on my report. I did. Another way they scam you is adding late fee even when you are not late. 
Most people don't listen to reviews and some are so happy to get a mortgage and I understand, but I assure you that if you can get a mortgage from these people you can get it from someone else. Please ... I am please with you, DO NOT GET A MORTGAGE WITH THIS COMPANY!! YOU WILL REGRET IT!!! THEY ARE SCAMMERS!!! Go to your bank and try there and if you go with another company, find out if they will sell your mortgage to SHELLPOINT MORTGAGE. Have them put it in writing that they will not do so. THEY ARE ATROCIUOUS. They don't ebven deserve 1 star.
Product: Debt collection

There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before
Product: Checking or savings account

Hello CFPB, there are multiple fraud charges in my debit card going to XXXX, I dont use XXXX  at all. 

Fraud charges totaling over $ XXXX this is by no means a small amount of money to be losing. i went online and submitted a Regulation E claim with Wells Fargo. someone managed to steal my funds with stolen debit card. Some transactions are still pending so i cant file a claim for those yet but ALL XXXX  transactions in my account are FRAUD. 

Never had any issues with Wells Fargo before, its still my favorite banking experience so far! 

Claim Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Finianacial Bureau I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : I AM VICTIM OF IDENTITY THEFT DUE TO THE DATA BREACH MY INFORMATION IS BEING USED FOR CREDIT CARDS, CARS, AND LOANS.

Dispute 1 Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX XXXX XXXX Type of disputed information : the amount of {$2300.00} is invalid. The date opened ( XX/XX/XXXX ) is invalid Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false.

o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times and I dont recognize one or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX  Type of disputed information : The date opened is invalid. Sold my information. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute 3 Account Number or other information to identify account : no acct # Source of dispute information : XXXX Type of disputed information : The date opened is invalid. The amount reporting is invalid Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute # XXXX Public records I have an arrest showing on my public record. It was in XXXX XXXX XXXX XXXX I have been cleared of any charges and I was not convicted. as per XXXX XXXX courts this should not be reporting on my background or credit. 
Dispute # XXXX there are addresses XXXX years old reporting on my credit that should be removed also the actions taken by these companies included phone calls threatening to come to my house. threatening to garnish my wages. calling blocked and making threats to my life. 
This debt is in violation of 15 U.S.C. 1692e ( 2 ) ( A ), made false threats to take actions that can not legally be taken in violation of 15 U.S.C. 1692e, 1692e ( 5 ), and used false representations and/or deceptive means to collect the debt in violation of 15 U.S.C. 1692e ( 10 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the BBB if these accounts are not deleted. I have enclosed FTC AFFIDAVIT to request the erroneous errors be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( XXXX, XXXX, and transunion ) are reporting this information without consent. 
Please reference the XXXX law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

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

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

on XX/XX/XXXX I received my XXXX credit card statement on my computer, I live in XXXX  Calif and there was a charge on it for XXXX made in XXXX Calif.. I called my police department thinking that when I got gas the pump was rigged .. Tehn I looked at my staement and this charge was made 4 days before my gas charge.. So I called XXXX to complain about this charge.. My husbanmd was the main card holder on this account and he passed in XX/XX/XXXX.. They said since I was n't they main card holder I could n't handle this and I would n't be responsible for this charge.. I said I want this cleared up.. My husband and I do hold community property they could attach and besides we always paid our bills.. We were married for XXXX yrs..I made 5 phone calls in total to the bank..Was told to talk to the fraud department. Another phone call was told to talk to the probate department. Talking to them I found out my bill had been turned over to collections on XX/XX/XXXX.. All this time I am making phone calls getting no where... I called XXXX XXXX XXXX XXXX. At that time I was told they had no info on the file except for talking to me now..So they were going to return the file to Synchrony Bank.. I should wait 3 months before I call the bank. Well I did n't wait and in frustration I paid them the charge.. I feel totally ripped off and very angry that they did nothing. My husbands name was XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Product: Credit reporting

I have a 2013 bankruptcy that was placed on my credit report. I have been trying for over 6mths to get this entry remove and deleted.I have spoken to several agents in regards to this public record. I called the credit bureaus to verify how they obtain they information on public record..I was informed that carriers gets the information from the court house and then brings it back to the Credit Bureaus for input.So I asked that information/form be sent to me cuz I needed proof of this information.I was told they can not give me that information. After doing my own research I learned that is Absolutely incorrect information.The court system DO NOT disclose, release or VERIFY ant information wit The Credit Bureaus or Any 3rd Parties. so with that information This bankruptcy entry needs to removed and deleted from credit report.
Product: Vehicle loan or lease

To whom this may concern, I had paid off my remaining balance online of {$1800.00} on XX/XX/19. Fifth Third Bank failed to notify me regarding a balance {$5.00}, so for the past 5 months they have been reporting late payments to the 3 credit agencies ( XXXX, XXXX  and XXXX ). There was no way for me to know there was a {$5.00} balance, had I known I would have no problem paying them. As a matter of fact I have never failed to pay them, always on time and even more then the minimum payment because I wanted to finish paying off my car so I can purchase the house of my dreams. The only reason I knew about this issue was because I applied for a house loan recently and it shows in my credit report the late payments. So I immediately called Fifth Third Bank and paid off the remaining {$5.00}. In the meantime my home loan application has been denied due to the late payments that Fifth Third Bank failed to notifying me. Not a single call or letter. I believe this is very unjust because if they have the obligation to notify the credit agencies they should also notify me regarding any remaining balance. Again all I want is for Fifth Third Bank to remove the late payments they made against me. I have already file disputes under the 3 credit agencies, however nothing has been resolved. I called again directly with Fifth Third bank and inclusive spoke with their supervisor XXXX ( I  have her employee ID ) on XX/XX/19. She stated there is nothing to do, due to the fact that the account is close since XX/XX/2019 and that they are not responsible for notifying us regarding any unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Product: Checking or savings account

ON THIS DATE XX/XX/2020 I CALLED THE WELLS FARGO HEADQUARTER CEO OFFICE REGARDING A TRANSACTION I FILED WITH THE BANKER NAMED XXXX WAS ABLE TO SIT UP A CLAIM FOR ME AND GIVE ME A CLAIM NUMBER. XXXX STATED TO LET THE CLAIM SPECIALIST KNOW NOT TO PUT THE DEBIT CARD ON HOLD. IF ANYONE LISTEN TO THE RECORDING OF THE CONVERSATION I NEVER STATED TO XXXX THAT I WAS REPORTING A FRAUD. MY DEBIT CARD WAS IN MY POSSESSION. IN FACT I MADE A PURCHASE AT XXXX STORE ON SATURDAY XX/XX/2020 ATER THE TRANSACTION THAT WAS ACCIDENTLLY MADE BY ME TO XXXX FOR {$14.00} THE NIGHT BEFORE. WHEN I SPOKE TO XXXX ABOUT NOT BLOCKING MY CARD AND THE INSTRUCTING GIVEN TO ME FROM THE EXECTIVE OFFICE, SHE INSIST BLOCKING MY CARD ANYWAY. MY DEBIT CARD IS NOT LOST OR STOLEN. THE CARD ID STILL IN MY POSSESSION AS OF THE ABOVE DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Midland Funding Llc Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/2022 JPMCB CARD Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.
Product: Debt or credit management

I submitted all of my information through Lexington Law and they were handling my claims for credit improvement and debt relief. Anything they asked for, I supplied but no action was ever taken and no one could tell me why.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Delete Unverifiable Account Based on XXXX Deletion Dear [ TRANSUNION ], I am writing to formally request the removal of an account from my credit report that has been proven unverifiable. Specifically, the account in question is a {$26000.00} XXXX XXXX XXXX charge-off Account : XXXX that was reported inaccurately. I disputed this account on my XXXX secondary credit report, and after completing their investigation on XX/XX/year>, XXXX confirmed that the account was unverifiable and deleted it entirely from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ), credit reporting agencies are required to conduct a reasonable investigation upon dispute. If an account can not be verified, it must be deleted. XXXX deletion of this account indicates that the information can not be substantiated. Therefore, you are now obligated to take the same action. 
Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure maximum possible accuracy in credit reporting. Reporting unverifiable information violates this obligation. Please remove the XXXX XXXX XXXX account from my credit report within 30 days of receiving this letter. 

If you fail to remove the unverifiable account within the specified timeline, I am prepared to take further action to protect my rights under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. As outlined in 15 U.S. Code 1681n and 1681o, I have the right to sue for damages resulting from willful or negligent noncompliance with the FCRA, including statutory and punitive damages.

Please provide a written confirmation once the account has been deleted .I look forward to your swift resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to Midland and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed