23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW COMPLAINT NOT A DUPLICATE. 



I received this email regarding the closing of the listed complaint number. 
XXXX I previously sent communication regarding the complaint number below which was also close. 

I spoke with the representative approximately 1 to2 weeks ago regarding this complaint. One of the CBR 's contacted us regarding the issues. It appears the confusion was both my CBR ; s and spouse 's were uploaded together, We also told the representative we will would upload

the 1098 's to prove the fraud. So, now we see the pattern
of someone wanting our complaints closed. All CBR 's and 1098 's for myself and my spouse will be upload separately to prove there was and still is fraud! 


XXXX was the previous complaint which was sent by the XXXX XXXX  XXXX XXXX, We received 2 from the CFPB stating they did not know why the complaint was sent to the CFPB. Given the contact. We provided a detailed overview of why we thought it was sent to the the numerous fraud reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the RICO statue. In addition, to my wife 's previous bankruptcy which, striped us of everything we though we own, We never received loans for out real property and my wife 's commercial property which the sba funded for bother her ex business partner who appeared to have stolen the money and placed the money into hidden accounts unknownst to my wife It was very obvious the second caller from the CFPB was calling us is order to state we withdrew the complaint but, WE DID NOT! We are being slandered and accused of being un truthful regarding all of the reports we file to the federal authorities, How can you lie about reported illegal activity when you are hold the ORIGINAL EVIDENCE! WE NEED LEGAL ASSISTANCE and NO ATTORNEY IN GA will take our case because they are corrupt, the last retained attorney stole 10k from us and did nothing. It appears someone within this loop wanted this complaint shut down, The brc XXXX within the US BRC OF NORTHERN GA AS WELL, THIS COMPLAINT WAS PLACED BY SOMEONE UNDER A PAYDAY LOAN ISSUE WHEN IN FACT IT'S NOT. THIS IS A RICO CASE INVOLVING HUNDREDS IN INDIVIDUALS WHICH NEED TO BE INVESTIGATED ASAP BY THE US ATTORNEY GENERAL 'S OFFICE, IF WE NEED TO FLY TO DC TO MEET WITH PARTICULAR FEDERAL AUTHORITIES WE WILL. WE ARE VERY KNOWLEDGEABLE OF EACH DIVISION AND KNOW WHO THE KEY CONTACTS ARE. PERSONALS PERTAINING TO BE FEDERAL AGENTS HAVE ACTUALLY CONTACTED US JUST TO OBTAIN INFORMATION, WE WERE VERY AWARE THEY WERE IMPERSONATORS,
Product: Debt collection

Account was opened fraudulently. I was incarcerated in an Illinois XXXX XXXX XXXXXX/XX/XXXX thru XX/XX/XXXX XXXX number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while incarcerated I have no Knowledge on how. I'm Requesting these Accounts be removed. 

TD Bank usa/ target credi XX/XX/XXXX amount {$700.00}
Product: Mortgage

I recently tried to sell my property prior to foreclosure based on the payoff statements I received from SN Servicing. I based the cost of the property on the payoff letters I received from SN servicing on XX/XX/XXXX ( {$340000.00} ) and XXXX XXXX ( {$350000.00} ) The week the closing was to occur XX/XX/XXXX but I disputed a sheriffs commission charge of {$6900.00} that I successfully had removed. This should have bought the final payoff amount to appx. {$340000.00} but the next payoff amount after the commission was removed was {$360000.00}. 

I was told the amount went up because of post judgement interest that had never been included on any of the previous payoff amounts. 

Now the buyer may back out because SN servicing is trying to escalate the foreclosure process so the commission fees will be added again and the property will be auctioned off vs having the mortgage paid off. 

I tried to contact SN Serviciing on XX/XX/XXXX and they stated that the additional charges were for attorney fees and that the balance just needed to be paid. 

Can anyone explain why the previous payoff amounts never included post judgment interest charges and the per diam amounts were significantly less? 

I have copies of all payoff amounts if needed.
Product: Mortgage

Rushmore Loan Management transfered my mortgage on XX/XX/XXXX to " XXXX XXXX ''. Rushmore Loan Management was advised of an insurance claim on XX/XX/20. They transfered the mortgage in the middle of the repair process and has caused significant delays in the repair process. XXXX XXXX is requiring we send in all documentation that was already sent to Rushmore Loans in order to start sending payment for repairs. They estimate it will cause a delay of up to 30 days. It should be illegal to transfer a loan in the middle of an insurance claim.
Product: Debt collection

i am unemployed due to covid 19 with no income, i have told them snd they call 9-10 times a day every hr/half hr right at XXXX
Product: Debt collection

I moved out of the apartment due to issues that made it unsuitable for living in. The A/C unit or furnace kept breaking and leaking everywhere, and it even burned out a blower XXXX night. My wife woke me up, asking where all that smoke was coming from. It just took days for them to fix things, get the water up, and/or replace the carpet. So, we had to move for health reasons.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, submit this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax, XXXX, and XXXX for ongoing and egregious violations of federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit file across all three bureaus contains two fraudulent accounts ( XXXX Account # XXXX and XXXX  Account # XXXX ) and unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, which violate 15 U.S.C. 1681b ( c ) by failing to ensure permissible purposes for accessing my credit report. Despite my repeated efforts over more than 30 days, including requests for verification, contracts, and signatures, the bureaus have failed to remove these inaccuracies.

These bureaus have violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum accuracy, 15 U.S.C. 1681i ( a ) by failing to investigate or remove unverifiable information, and 15 U.S.C. 1681c-2 ( a ) by neglecting to block fraudulent accounts and inquiries within four business days of receiving proof of identity and a police/identity theft report. Additionally, furnishers of these accounts violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by knowingly reporting inaccurate information, and the bureaus failed to comply with 15 U.S.C. 1692g ( a ) by not providing proper debt validation notices within five days prior to reporting.

I demand the immediate removal and blocking of these fraudulent accounts and unauthorized inquiries across all three bureaus, without further delay, and written confirmation of these actions. The bureaus ' ongoing noncompliance leaves me no choice but to seek remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of federal law. CFPB enforcement is necessary to ensure that these actions are completed without further delay.
Product: Credit reporting or other personal consumer reports

company fails to remove fraudulent accounts failed and to notify me XXXX  days days prior to reinsertion of a fraudulent account and did the same again with a new fraudulent account. A card statement is not proof someone owes a debt and this is not by error.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX XXXX reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer FICO credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my 3 discosures pursuant FCRA Gramm leach Bliley ACT ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/year>, XXXX on XXXX XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX on XX/XX/year> and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are incorrectly reporting a bankruptcy on my credit report I don't have
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I summited a complaint to your office XX/XX/2021 complaint # XXXX To this date, my actual credit report with Transunion in reference to XXXX XXXX  XXXX XXXX XXXX continues to show a bad payment history. XXXXXXXX XXXX says they fixed the problem 7 months ago. But this is not true, as my XXXX Credit Report with a negative and orverdue payment history. My Transunion dispute # XXXX. Please Help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thank you.
Product: Checking or savings account

I had attempted to XXXX XXXX and was in the XXXX XXXX from XX/XX/year> until the night of XX/XX/year>. I got out of the hospital to several transactions I did not make and immediately reported them. It was over {$5400.00}. The representative was rude and seemed impatient with me. I told him I can provide hospital documentation of the visit as I am still on monitoring for XXXX XXXXXXXX XXXX He denied me the option to send it in, which now will result in a denial of my dispute. This is FRAUD. I am getting out of the XXXX XXXX  to NOTHING. All of my college refund money gone. I wish I wouldve stayed in the XXXX  XXXX  longer because this is taking a bigger toll on my XXXX XXXX. Now Im done with Wells Fargo and once my fraud claim is approved, I probably will never bank with them again. I cant eat, or even pay for my medicines now. Why would you guys let someone take so much from me!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Money transfer, virtual currency, or money service

I sent someone {$900.00} via Western Union on XX/XX/2020 from my XXXX prepaid card.Weeks later I was informed by XXXX that Wester Union reported recipient had not picked up the funds and I was due a refund of XXXX XXXX.I called Western Union for a refund on XXXX XXXX was told I would be sent a check for {$900.00} " within 7 to 14 days ''. Today isXX/XX/2020 and I still have not received my refund.They gave me a case number : XXXX.I have called Western Union numerous times and each time promised something would be done but nothing has been done.They confirmed my name and address numerous times.But have not sent my refund.They keep giving me a runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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: Credit reporting or other personal consumer reports

I have reached out to Upstart Network Inc multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : UPSTART NETWORK INC XXXX XXXX XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This company is an absolute mess. The information employees provide is not constistant with one another at all. I do not know if there is an internal communication problem with in your company or if your employees are not being train properly but it is unacceptable. On Saturday, XX/XX/19 I made a payment of {$180.00} that was withdrawn from my bank account on XX/XX/19. I called citi bank to ask why the funds were not applied to my available credit, the employee I spoke to informed me that they hadnt even requested the funds from my bank yet which I told her was incorrect. I insisted we call my bank to verify and so we did. My bank informed citi that the funds had indeed been taken out and sent to Citi. The employee I was speaking with said she had never seen anything like this. In her system it told her that citi hadnt requested the funds from my bank yet my bank stated the funds were requested and then withdrawn. I asked the employee to investigate this matter because clearly something is wrong with my account if thats whats happening. On XX/XX/19 I made an additional {$80.00} payment to Citi, which was withdrawn from my bank account on XX/XX/19, I called today, XX/XX/19 at XXXX XXXX EST and spoke with XXXX ( EMP ID : XXXX ) who informed me that in order to release my {$80.00} to my available balance we would have to call my bank, XXXX was very unkind and made me feel like she was purposely trying to take up more of my time, when she knew I was in a hurry. I informed her of my conversation with the Citi employee on Monday and XXXX flat out told me that employee was wrong, I asked her to release the available funds without calling my bank because other employees had done that in the past and she informed me that was not an appropriate course of action and those employees were wrong to do that and that she had to call my bank, even though I informed her I was running late for work because of this phone call. We called my bank which I fortunetly wasnt open so XXXX told me I had to call back later. I called citi again, the same day, XX/XX/19 at XXXX XXXX so that we could call my bank which was now open. The employee put me oh hold while she called my bank and then returned shortly after a few minutes. This employee told me that because my banks hold time looked to be longer and that this is a bank I tegurely make payments from we no longer need the banks verification and they would release the funds to my available credit immediately. I am awe stuck in the level of inconsistency within this company and disgusted by how it treats it clients. I verbally requested a complaint be filed against XXXX on the phone, and verbally requested a follow up from that complaint. I am now putting it in writing that I also file a complaint against XXXX and would like a follow up of Citis resolution with said client. Furthermore this bank need to take better actions to provide consistent information to its clients, and train employees to essentially not trash talk one another, like XXXX had done. The customer service provided by this company is beyond appalling and excruciatingly time consuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that XXXX XXXX is not A Lender XXXX XXXX is A insurance company this month I got A call from XXXX XXXX XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and XXXX  XXXX lowered my credit on purpose I want no more communication from this company or phone calls I have blocked XXXX XXXX from my phone and unsubscribed from all future emai
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; XXXX  reports XX/XX/XXXX ; but Equifax reportsXX/XX/XXXX, and XXXX reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX