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

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/XXXX, I mailed a dispute letter to Equifax via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. Subsequently, I sent another dispute letter to Equifax dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, EXPERIAN and XXXX asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, EXPERIAN and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following items : Please remove Addresses listed below XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Documents will be provided to prove a valid address. 
The presence of these inaccuracies has adversely affected my creditworthiness and could potentially have serious consequences on my financial standing. As per FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to have these errors promptly corrected.

Enclosed with this letter are copies of relevant documents supporting my claim. These documents include [ list the supporting documents, such as billing statements, identity verification documents, etc..

I request that you investigate these disputed items and promptly remove any inaccurate information from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ). Additionally, I would appreciate receiving a written explanation of the actions taken regarding this dispute within the time frame stipulated by FCRA.
Product: Debt collection

I opened an XXXX  account to double check my credit report. There was an acct for a Jefferson Capital. I disputed it. XXXX IMMEDIATELY said they validated the account.

I then launched a full on dispute with all 3 credit companies. I can not produce anything BECAUSE I DONT OWE THEM ANYTHING. I HAVE ZERO IDEA WHERE THIS ORIGINATES FROM OR WHAT. Apparently, XXXX sold an old XXXX acct ( which I did not do not owe ) to this company. 

I want copies of anything and everything that proves I owe this bill. I want this matter closed out from my credit report immediately and I want XXXX to produce whatever documents they used to verify this account. 

Otherwise, Im prepared to sue them both over this! I've been doing what I'm supposed to be doing to clean and clear and for them to immediately say " oh, yeah, you owe this ... '' is absolute XXXX  XXXX. 

Thank you. Again, please ask that I get copies of all of the information someone has at their disposal to resolve this matter. 

Thank you. 

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

XX/XX/XXXX Sterling Talent Solutions Did employment background screening. 
It was reported on a XXXX report a XXXX XXXX that took place back in XXXX 
The Fair Credit reporting act states the report must show the date the crime was committed not the date the case was resolved. 

After Explaining this to Sterling an agent -- -- -- -- " said it no longer matters conviction happened employer doesn't want a conviction. '' It is an SEC-regulated company if anyone should be reporting fair and honesty and abiding by what the law stated it should be companies such as these. 

Sterling Talent Solutions said they went to the courthouse to get information and I was wrong. 

I contacted the courthouse they stated they do not offer this information to 3rd parties. 
I have a paper showing my case was a XXXX 


Also They created a virtual list of incidents that had to happen but on the side, they wrote clear. Its a form of a virtual background check because the people that work there know The incident happened but since it says " clear '' they feel They are following the law of The Fair Credit Reporting Act. 


I am a resident of California.  And the XXXX was in Oregon. 

I want to know what data furnisher provided this information to Sterling Talent Solutions it is my right because it is inaccurate. 

It cost me a job That I really wanted. 
I feel I have been seriously affected by this temporarily. 
The XXXX offer was for {$200000.00} I feel that was a major setback due to inaccuracy Sterling has not worked with me. 

I asked where they got this information They said they went to the courthouse. 
I contacted the courthouse. They did not get it there.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXDOFED accounts opened XXXX/XXXX/2016
Product: Debt collection

I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I see that XXXX XXXX  XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

my wallet was stolen on XX/XX/year>. Since then I have various hard credit inquiries that I did not initiate on XXXX Credit report.. XX/XX/year> from XXXX XXXX and XX/XX/year> from Target. I would like these fraud inquiries removed from my credit.
Product: Credit card

Made a purchase XX/XX/year> in the amount of {$24.00}, made a payment on XX/XX/year> in the amount of {$24.00}, however payment was returned due to incorrect bank account numbers. Multiple fees were charged XX/XX/year> $ XXXX fee, $ XXXX-interest, {$24.00} returned check charge, XX/XX/year> {$40.00} payment with a live person who stated all fee would be waived except {$15.00} plus original purchase amount of {$24.00} totaling {$40.00} which I paid and requested the account be closed. Today XX/XX/year> received a bill totaling {$33.00} with {$15.00} late fee and {$3.00} interest and {$15.00} pervious balance. This is unfair as I paid what I was told to pay in order to close the account with a live representative.
Product: Credit card

We were a merchant offering EasyPay Financing to our customers, but EasyPay closed our account without warning, severely impacting our business. We've called three times and received different answers each time. Each time, they promised my account manager would call me back, but that never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted :
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate
Product: Checking or savings account

I have applied for a checking account and was denied two times I havent had a checking account in about 7 years I need all my negative items removed I cant even start a business
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute late payments that have been inaccurately reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1666b, ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) it is my right to request an investigation into these discrepancies and to have any errors corrected promptly. 

The bellow accounts are reporting incorrect info on all XXXX credit reports. 

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 I have carefully reviewed my credit report and found that the late payments listed above are incorrect. According to my records, all payments to the aforementioned account were made on time. This discrepancy has adversely affected my creditworthiness and overall credit score. 

I am a victim of Idenity theft and I have filed a police report and a report with the FTC. 

Furthermore, I request that you notify me in writing of the results of your investigation and provide an updated copy of my credit report once these inaccuracies have been corrected.
Product: Checking or savings account

I have an online bank account with Chime and an unauthorized fraudulent external bank account was linked XXXX months ago without my knowledge. Unauthorized Transfers were made on : XX/XX/XXXX {$540.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$640.00} XX/XX/XXXX {$460.00} Total {$1900.00} I provided bank letter directly from XXXX XXXX XXXX XXXXXXXX and police report information # XXXX regarding my claim. As I have exclaimed I DO NOT own XXXX XXXX XXXX XXXXXXXX and dont know how this was fraudulently linked to my chime account. 

Chime bank has denied my case twice.
Product: Mortgage

Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.
Product: Credit reporting or other personal consumer reports

Those XXXX accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. CAPITAL ONE- Closed XXXX. XXXX BANK - XXXX XXXX. XXXX XXXX XXXX - Closed Balance {$4500.00} Updated on XX/XX/year> 2024
Product: Mortgage

I have been trying to get help from my mortgage company but they continue to deny our request for homeowner assistance. My interest rate is very high and yet they say they can't create an affordable payment. 

There is a pandemic going around and I have a sale date around the corner which they won't suspend. I have proven my hardship default which we lost our XXXX income and had to start over. 

Everyone else is getting help during COVID and yet here we are with no assistance options and about to lose our home!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dba CEO of Citi Bank obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX   and XXXX XXXX dba CEO of XXXX Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts added to my credit report are as a result of identify theft fraud Accounts XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to TransUnion stating identity theft via USPS XXXX Mail ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received an updated credit report dated XX/XX/XXXX stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section XXXX of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XX/XX/XXXX - Certified Mail Tracking Confirmation ( received ) - Dispute result from TransUnion Report ( dated XX/XX/XXXX )
Product: Debt collection

National credit systems has placed a negative on my credit reports, all XXXX and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is XXXX, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it.