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

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681.

2 ) .TransUnion is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 

3 ) .According to 15 USC 1681 : I have the right to privacy, I haven't not given TransUnion written permission to furnish these accounts. 

Accounts : XXXX )XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with XXXX. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX XXXX, I had XXXX and LexisNexis investigate this matter. My name is XXXX XXXX XXXX XXXX, No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX XXXX   of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, LexisNexis and XXXX are refusing to remove and delete this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PAYPAL CREDIT CARD is still showing on my account. I am no longer an authorized use as of XXXX but still shows on my account. Please remove thank you
Product: Debt collection

MBA law XX/XX/XXXX   contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX   they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. 
At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. 
XX/XX/XXXX MBA law sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). 
The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). 
I then received a letter from XXXX  partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/. I was never notified anytime before XXXX about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. 

MBA law firm address : THE LAW OFFICES OF MITCHELL D. BLUHM & ASSOCIATES , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS XXXX And The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

The servicing of my primary mortgage was transferred to Seterus over a year ago. I was sent a notification of transfer but did not receive payment information until well after my payment was due. As soon as I received payment information ( including the new loan number ) I sent off payment. I was assessed a late fee even though it was not my fault for the delay in payment. This late fee is still on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,XXXX  to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : SXXXX XXXX XXXX XXXX I opened XX/XX/XXXX XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX for {$0.00}, XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted : 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 Inquiry to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been requesting this company to send me written notification for more than 1.5 years now. They keep calling me every month and never send me a written notice. I did acknowledge who I was. With all the identity theft scams going on, providing date of birth or other sensitive information like SSN is not a good practice and expecting this also shows that this company is trying to scam.

I don't have any debt that I know of. Per law, I should have received a written notice within 10 days of first call. Its 1.5 years and I still haven't received one.

Also, this company keeps closing my complaint without providing a resolution.
Product: Mortgage

We applied for a $ XXXX HELOC with Loan Depot to consolidate high interest accounts on XX/XX/2023. Loan Depot ran our credit reports and established our home equity amount of over $ XXXX and started the approval process. A document portal was established on their website to upload the requested documents for loan approval. We provided all documents as requested including documents that we dont feel were pertinent to the approval process. One such request was a detailed explanation of income increase from the previous year. Although we felt it was overreaching, we provided the documentation. They continued to request this task although we had uploaded it multiple times and forwarded to the email provided. Each time we thought all tasks were completedthey would add more. They kept changing the loan documentation requirement descriptions for documentation they already had. We provided more financial information than we have ever provided for any of the loans, mortgages or credit cards we have applied for in the past. My wife and I have good credit, sufficient income ( even by their conservative calculations ) and more than sufficient equity in our home. On XX/XX/ we determined after providing document after document and the time spent with no communication and no approval response that it was time to withdraw our application. The loan advisor confirmed on XX/XX/XXXX  that he would withdraw the application. They advertise loan approval within 2 weeks and it was our impression that Loan Depot never intended to approve the loan and continued to make unreasonable requests to discourage us from continuing the process. As of this date XX/XX/, our loan portal with all our sensitive financial documents is still active for employee access. Since applying with Loan Depot we have had fraud and scam attempts via email and text. Based on our experience through this process they have demonstrated unfair lending practices and lack of security handling our sensitive financial information. I would not recommend this company to anyone contemplating applying for a mortgage, home equity or HELOC. It was our worst experience ever with a lending institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asking innvois help because XXXX  is not investigating a fraudulent account on my credit because the account is hold by its investor
Product: Credit reporting, credit repair services, or other personal consumer reports

After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX BANK NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED EW SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX BANK LETTERS ), XXXX  HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : FOUR BANK OF AMERICA ACCOUNTS, AND ONE XXXX BANK. TODAY IS XX/XX/XXXX, I REQUEST EW TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM BANK OF AMERICA FOUR ACCOUNTS, AND FROM XXXX BANK, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.
Product: Credit card or prepaid card

I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 9 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that. Today I went to the bank, I was completely ignored and they don't find a solution for the case.
Product: Mortgage

My mortgage company SELENE Finance states that I am behind XXXX mortgage payments in which I am not. I was discharged from bankruptcy on XX/XX/XXXX, the mortgage payments made had to be up to date right up until discharge of bankruptcy and continuous. If not I wouldn't have been discharged from bankruptcy. The mortgage banks statements from SELENE Finance from XX/XX/XXXX through XX/XX/XXXX show an up to date mortgage bank statement balance due. In other words all was showing current with no payments missing or behind. 
The mortgage bank statement for XX/XX/XXXX wasn't even sent. Though a mortgage bank statement for XX/XX/XXXX was sent where it showed that I was now behind two mortgage payments, how is this possible! I have been battling with SELENE Finance and there customer service agents, and till this date they cant tell me or show me whether in writing, e-mail, text, over the phone, certified return receipt any proof of their records where it shows that I am behind these mysterious two payments. Selene Finance continues to send us notice of foreclosure letters, even though we continue to pay our up to date mortgage payments. 
My family and I are so upset, on the brink of a XXXX XXXX that it's affecting our livelihood and our children. I have been making mortgage payments for XXXX years now this is not the way to experience the American dream of of buying and owning a home. I hope the CFPB can help our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Your Wells Fargo card has shipped Wells Fargo Online Sat, XXXX XXXX, XXXX XXXX  ( XXXX hours ago ) to me Wells Fargo logo Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. This replaces your Debit Card ending in XXXX. 
You're receiving this new card because you recently requested a replacement card. 
Your new card will arrive in 5-7 calendar days in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX XXXX XXXX SD return address. 
Front Image of Envelope Wells Fargo Debit Card Envelope For your protection, please activate your card right away when you receive it. Follow the instructions on the sticker attached to your card. 
If you don't receive your card within 7 days, please call XXXX XXXX XXXX XXXX. Phone Bankers are available 24 hours a day, 7 days a week. 
Thank you. We appreciate your business. 
Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Security Center | Contact Us Please do not reply to this email directly. 
XXXX XXXX XXXX XXXX XXXX PM ( XXXX XXXX ago ) to Wells gee thanks, after my account has been : LOCKED for 3 weeks and I just learned that once I posted my NEW ADDRESS in XXXX in place of my OLD MAILING ADDRESS XXXX XXXX, WA XXXX that I now learn that as of XX/XX/XXXX WELLS FARGO DOES NOT DO ANY INTERNATIONAL ONLINE BANKING. Then, why?, I might ask, did they say in a recent letter dated XX/XX/XXXX that the reason my account was locked on XX/XX/XXXX was because I " went over my online wire transfer limit ' which was never true because I was told I had a {$75000.00} limit and had sent {$25000.00} successfully to my wife 's account here in XXXX. 
And I followed directions ( only one per 24 hr period, {$25000.00} daily limit ) waited a few days to send the 2nd one for {$25000.00} but suddenly it was locked, not once but twice and since then ( XX/XX/XXXX ) my account has been in the " Fraud Department '' which can only tell me " you must return to a US branch to resolve the issue '' i.e prove my identity with a driver 's license in person before my money can be released. 

So now, since I received the " new information ' I am being instructed to get a notarized 'Request for Closure Form '' at the XXXX XXXX in XXXX XXXX cost {$250.00} incl airfare etc ), express mail the original to the bank address in the XXXX and then wait for a phone call from a bank rep to set up the wire transfer of all remaining funds in my WF account ( {$39000.00} ) to my XXXX XXXX  in XXXX  XXXX 
XXXX XXXX XXXX cell : XXXX PS I am living in XXXX XXXX with my XXXX  wife since XX/XX/XXXX The reason I set up the online account was to transfer money from my XXXX XXXX XXXX in XXXX, WA to a major bank that does Internaional money transfers so I can purchase a home here. Everything is on hold until this matter is settled and I have the needed funds which XXXX has held XXXX now for the past 3+ weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX can not produce my loan information they refer me to XXXX  who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reviewed a recent credit report and someone has been illegally using my information to try to gain credit as they have illegally obtained my personal information because Of this I have several un authorized inquires reporting to my Transunion credit report not done by me, these inquiries are putting me in a financial hardship as they are negatively affecting my credit report, The following 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
Product: Debt collection

Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to formally dispute and request verification of an account that your agency, Waypoint Resource Group , is currently handling. The account in question is inaccurately appearing on my credit profile and is significantly outdated. I urge your agency to cease any further collection activities until the accuracy and validity of this account have been verified. 

The details of the disputed account are as follows : Account Holder : XXXX XXXX Original Creditor : XXXX Upon reviewing my credit report, I was surprised to find this account listed, as it is far too old to still be impacting my creditworthiness. I wish to clarify that I have returned all equipment to XXXX, the original creditor, and settled any outstanding debts with them. 

In order to resolve this matter expeditiously, I request that your agency provide me with the original documentation stating the date this account was opened. It is imperative for me to confirm the accuracy of this information and understand why it is still being reported on my credit profile despite its outdated status. 

I am fully committed to resolving any legitimate financial obligations, but it is crucial that I am provided with accurate and verifiable information regarding this account. Therefore, I expect a prompt response and a thorough investigation into this matter. 

Please consider this letter as a formal complaint and a request for immediate action. I anticipate a response within [ specify a reasonable timeframe, e.g., 30 days ] from the date of this letter. 

Should you require any additional information or documentation from my end to facilitate your investigation, please do not hesitate to contact me at [ Your XXXX via email at XXXX Thank you for your attention to this matter. I trust that your agency will address this issue promptly and provide me with a satisfactory resolution. 

Sincerely, XXXX XXXX