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

This CFPB complaint has been led 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX appearing on my consumer FICO 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 # ( private case number ) as proof from the US 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

My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.
Product: Debt collection

I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.
Product: Money transfers

I made a wire transfer on Saturday XX/XX/2017 for {$40000.00} through my account at Wells Fargo bank to an account owned by XXXX at XXXX for the purchase of XXXX cars. The transfer was done on Monday XX/XX/2017 because i initiated it on a weekend. After the wire transfer, i was suppose to get a shipping confirmation from XXXX, but to my surprise XXXX XXXX XXXX disappeared. Their phone were cut off, no email response nor text message response till date. After further investigation i found out they have done the same thing to so many people, a lot of people had lost so much money. I went to my bank at Wells Fargo on Tuesday XX/XX/2017 to file for a recall of my wire transfer and they should alert XXXX that XXXX are involved in wire fraud scheme as a note to my reason for my recall and i was giving a ref # XXXX and it will take 1-6 weeks to here from XXXX. I heard from Wells Fargo rep today XX/XX/2017 and said XXXX responded to my recall request saying they are waiting on XXXX to give them a YES before they can get the money out of their account. These people are fraud and they will never say YES. XXXX is dealing with a fraud company and are not acting appropriately to shut them down. My wife recently contacted XXXX acting like she was interested in a car and XXXX XXXX XXXX gave her the same XXXX account for her to wire transfer money for a car she shown interest on. XXXX are professional schemers and are really good in what they do. I really hope the bank can recover my money.
Product: Debt collection

Portfolio Recovery Associates has harassed me over me account that they purchased originally from some company I have never opened a credit card with and have no knowledge of the account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account ending in XXXX from XXXXXXXX XXXX 
I have told them I was a victim of identity theft and fraud and this account was a result of identity theft due to the XXXX  XXXX data breach and have provided them with ample evidence and proof in regards to the matter that I have suffered from identity theft. In which I am working with the XXXX XXXX XXXX provided by XXXX to help with this matter as well. I have disputed this matter several times with them and have even requested all the documents and evidence be provided to me under the Notice to Furnish with Portfolio Recovery never responding or providing me with any sort of documentation as I have requested. I disputed this matter and they claim to have never received any disputes however it shows on my credit report that I they have received the dispute. Yet they fail to provide me with any sort of documentation proving that it was my signatures or anything else in regards to this account. Im completely fed up with playing this game with this company and I see why theyve been sued so many times.
Product: Credit reporting or other personal consumer reports

According to 15usc1666b no transaction history should be reporting. Timing of payments is excluded.

5usc552a Privacy broken as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of the negative inquiries reporting on my credit report. 


TEAM XXXX XXXX via XXXX XXXX XXXX XX/XX/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
Product: Mortgage

in XXXX we feel behind by 2 months on our mortgage, and we offered to pay extra each week to catch it up over 3 months, Ocwen refused to allow us to do that, they said we had to pay the full 2 months at once or we could n't pay it. Now they are withholding {$400.00} of our escrow payments which was to cover our flood insurance, which for an unknown reason FEMA decided we are no longer in a flood plain, so they are refused to pay it. They keep lying and tell us they tried to call, we have caller ID and not 1 call came in, they continuously harass us if our payment is n't in by XXXX, even though I have called and said it would be paid by x date. They try to tell me yesterday ( XXXX ) that I was not authorized to discuss our loan, but I hung up and called back and was told that I am, this has happened on numerous occasions over the last few years. These are the ones that are fresh in my mind, but they never listen, always rude and never want to work with you if you do have an issue. They just want to undermine you so they can work to repose your home.
Product: Credit reporting or other personal consumer reports

I was part of marriage fraud by a undocumented person resulting in credit card fraud. 

Chase ruined my credit score and my life. I had to pay all the fraudulent charges in order to keep my credit score. I first reported the incident to Chase and told me not to pay the charges. It resulted in a lot of late fees and derogatory on my account. Collections started calling me I told them that the charges were not mine and they perpetrated by XXXX XXXX a undocumented person. Who got a hold of my credit card and used it in automated situations without my consent like Parking. I had over a XXXX credit score until this happened. Today I have not credit score even after I paid all the fraudulent charges off. 

I have contacted XXXX many times and they do not get back with me. To prove the marriage fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX  ) has continued reporting information on the consumer report. Information that is being reported is considered income. Notice was sent to company revoking any and all authorizations that the consumer may have given the company. XXXX XXXX XXXX XXXX file number XXXX, said company is securitizing securities given by consumers. The proper accounting and reporting shall be done to correct this issue by law. If this is not done by said company I will invoke arbitration with XXXX XXXX with evidence from financial forensic audit on behalf of the consumers account and contract agreement that details accounting on public and private side of such account. Also on the consumer behalf file form XXXX XXXX due to Company failure to properly report and give consumer proper documentation that such reporting was done per IRS publication XXXX, providing consumer with their copy of 1099 C that was filed for this charged off debt.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with XXXX, XXXX and transunion they have not block and remove all information associated with Identity Theft.i disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts
Product: Payday loan, title loan, personal loan, or advance loan

I applied for credit and wasnt approved for the amount I requested and attempted to reach out to their reconsideration department but wasnt able to reach them I had to leave a voicemail and was told Id receive a email
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to acces my credit report today, XX/XX/22 and I was unable to do so. I was given the code XXXX  to provide to customer care ( euphemism ). I tried several times to get through the robot and I was hung up on several times, by a robot. Once because I sighed when answering the secuity questions and another when I finally found the secret way to get to an agent. The reporting agencies have all made it impossible to access our credit reports so we can't dispute information. This needs to be fixed.
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) Portfolio Recovery Assoicates Equifax XXXX Account Number XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : 1. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
XXXX. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor.

4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction.

Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( Equifax, XXXX, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary.

This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my TransUnion credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, TransUnion has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, TransUnion has CHOSEN to continue reporting this information on my file. My confusion is how is TransUnion in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX XXXX who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, TransUnion has chosen to continue reporting this inaccurate information further damaging my credit worthiness.
Product: Debt collection

Received a letter threading me with being called over and over and over again.
Product: Debt collection

While I was in the dentist chair, I needed more insurance to finish the work being done. 
The receptionist offer me CARECREDIT. Account # XXXX. They never explained to me I had to pay all the money back in 2 years. It is barely 2 years and they are charging me a $ 1000 % interest own the loan, I am willing to pay the balance owed on the account, not double that amount XXXX XXXX
Product: Debt collection

I was on the phone with Chase Freedom General Correspondence Card Service updating my credit card account, personal information, and payment history. I was never late paying my Chase credit card bill. Chase Freedom General Correspondence Card Service was reading my personal information and credit card account to me on the phone, updating my address, area code, phone number, social security number, date of birth, and age, I responded yes on the record line. I did n't realize it was a third party call, after releasing my personal information to them, which it was repeated back to me. When I realize it was a third party phone call, I immediately told Chase Freedom to cancel the call, I realize my personal information was release to a third party, from XXXX XXXX XXXX. When I immediately found out what Chase Credit Card did, I immediately paid them in full and close my Chase Freedom Credit Card, I now have a XXXX balance with them. XXXX XXXX XXXX and XXXX XXXX from Department XXXX, contact number ( XXXX ) XXXX, Consumer Employer # XXXX Dept. Card Member Services confirmation number XXXX were on the third line. I phoned my sister XXXX XXXX about the fraudulent situation, she told me that she was going to pay XXXX XXXX XXXX   XXXX  in full because they were going to use my Social Security number and personal information against me, although I did n't sign or agree to making payment to XXXX XXXX XXXX, it was agreed on the record line that XXXX XXXX XXXX was going to pay XXXX XXXX XXXX  in full following by a confirmation number XXXX. XXXX XXXX XXXX and XXXX XXXX agreed for a full payment of {$14.00}, XXXX confirmed by both XXXX XXXX and XXXX XXXX in the month of XX/XX/XXXX, with a written agreement from XXXX XXXX XXXX, but later I start receiving bills in the mail from purchases that they made totaling {$14000.00}. I never use a XXXX credit card nor receive one in the mail. The agreed confirmation was read to XXXX XXXX XXXX on a record third party phone call, after she agreed to pay the full amount, she has later XXXX, the only proof I have is the confirmation number, and credit card bill. I did not receive a credit card, but instead I received a bill.
Product: Debt collection

Someone had stole my checks and used them. This was reported and the person arrested.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my XXXX XXXX which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my XXXX XXXX and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Debt collection

I never received written notice of debt collection by collections agency before they reported it to the credit bureaus. Now, it has damaged my credit
Product: Mortgage

XXXX is the month I got behind trying to get current, monthly payment are XXXX so I filed a HAF application and it came back denied saying I didn't turn in all the document but I did, my mortgager is Newrez and I'm in communicating with loss mitigations. Not in the 90 day window yet for foreclosure been making half payments. My employer reduced my wages is the reason I'm behind just need some help bringing me current!!
Product: Mortgage

My mortgage company is Guaranteed rate. I've been on a forbearance plan due to COVID 19 from Spring XXXX until XX/XX/XXXX, when I let the company know that I can resume my payments and started my monthly payments. I've asked for a deferral of the unpaid balance to the end of the mortgage the same time. And since then I can't get an answer when the deferral will be approved or what the status is. it's been in review and there is no other information I can get. Keep calling them every week, with the same results. Asked to escalate - and again, with no results. They are keep telling me that it's under review, and no additional information. 

I understand that there is a very high volume of such requests probably, however it's been 7 months already. Per the information from the loss mitigation department the regular timeline is 60-90 days and it's been 7 months. 

I'm not sure what else to do here. I've completed a renovation on my house, it's had doubled in value, which has been confirmed by a valuation specialist from guaranteed rate. However I'm unable to get rid of PMI or refinance my mortgage because it's still in forbearance.
Product: Checking or savings account

Claim # XXXX This Complaint is against Wells Fargo Bank for denial of my claim for {$340.00}. Wells Fargo stated that these transactions were made using my Card and PIN #. How stupid is this???? Of course this is true, because I have been experiencing Identity theft, and dealing with W. Fargo for 17 months after I had all accounts deactivated and disabled to prevent this. This is the fault ONLY of W. Fargo.. And I need my money returned.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$250.00} ; XXXX  XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$380.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/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: Mortgage

Fay servicing is my mortgage servicer and fay servicing was holding my payments in a suspended account now i have a late payment on my mortgage credit and fay servicing will not remove the late charge