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

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX  was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is Equifax. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from Equifax. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Product: Debt collection

I want to let you know what happened with the XXXX XXXX XXXX in the city of XXXX Florida, in the month of XXXX of the year XXXX a person present herself with some outdated data from my information and this institution provided her with services doctors endorsing me the charges incurred by it this person basically presented herself with my name and an address corresponding to my address of 6 years ago ( address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX ) without social number, without insurance card and without physical identification where the institution could corroborate her identity and she was treated as if it were me, Immediately afterwards, this hospital charged me a debt of XXXX dollars, which were sent to the address reported by this person and when I did not respond because it was not my current address it was passed to a collection company that alleges until the date that I still owe that money. I already made the respective report with that medical institution and the police department of the city of XXXX with the report number XXXX XXXX, this situation has led to a mortgage loan application if it is denied to me, therefore I need your company to make the respective correction and investigation of this situation that occurred in my credit to be able to delete it from my history since I was not the person who opened this fraudulent account with this medical center.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!
Product: Credit reporting or other personal consumer reports

XXXX  Account # : XXXX Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/year> The account passed the statute of limitation and I am requesting it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

As per my last complaint, Starting in XXXX, I took out a little over {$32000.00} in private loans for XXXX XXXX XXXX ( my school was actually in XXXX, XX/XX/XXXX but that was not an available option ) through Sallie Mae ( now Navient ). To date, I have paid over {$100000.00} on my loans ( since XXXX ) and still owe just over {$16000.00}. As the federal government has determined that XXXX XXXX XXXX is a fraudulent for-profit institution and Sallie Mae ( now Navient ) had an illegal relationship with XXXX, I would like my private loans dissolved/canceled and fully refunded as per the FTC XXXX Rule. 

On XX/XX/XXXX, I received notice that my Navient XXXX Misconduct Discharge was approved, yet only received a refund of XXXX months student loan payments. I was informed that this was to refund the time since I had personally informed Navient of the misconduct. As a consumer, I should not be personally responsible for showing Navient that XXXX XXXX XXXX when the federal government itself proved that years ago. Additionally, In my original application, I sent emails proving that I had been working with our PA XXXX XXXX ( who would have contacted Navient on my behalf ) specifically on ITTs misconduct since XX/XX/XXXX, making their XXXX month notice claim irrelevant. 

I would like a full refund of all monies paid towards my XXXX private College Advantage Loans as per the FTC XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX I noticed a hold on my account for {$1800.00} I contacted XXXX SUNTRUST asking why was this taken out of my account. I was informed it was due to a returned check on my daughters account. I informed them that she was not on my account why are you debiting my account for her debt on a different account. I informed them that account was opened SIX years ago when she was a minor. She is now XXXX and they should contact her to collect the amount owed as they always had done. Fast forward to XX/XX/XXXX. My account was again debited this time for {$1700.00} I contacted XXXX SUNTRUST again asking why was there a hold on my account again. I was told it was for my daughters closed account. I informed them I would be filing a formal complaint because you are taking money I don't even owe you this is not my debt. They then placed another hold on my account for another {$1700.00} on XX/XX/XXXX. XX/XX/XXXX I went to the SUNTRUST branch bank located at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and spoke to the bank manger Mr. XX/XX/XXXX. He contacted the Recovery Team they released the third hold just to turn around an place another hold on my account today for {$470.00}. At this point my account has had been debited {$5900.00} for an account and a check I had absolutely NOTHING to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Names, Address and Phone number are being reported by the credit bureau XXXX which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..
Product: Money transfer, virtual currency, or money service

I found a house listed on XXXX that was for rent. I got a hold of them and went and took a tour and started getting everything ready to move in on the XXXX of XXXX. The house was listed for XXXX and the utilities was XXXX. He wanted me to pay through Zelle and XXXX. I had to also pay for an application fee and first month rent. I thought all of this was normal. About a week after the XXXX, the real rennet shows up telling us to leave. We go inside and I get a hold of the person Ive been talking to and tell them whats going on and then send me some pictures of his ID and himself. While this was going on more and more people kept showing up so we called the police as they kept circling the house and trying to find a way in. When the police arrived they informed us that the person we wererenting from was not the true owner. Someone had stole his information and was trying to rent out his property and some others that Im unsure of if they are his.
Product: Debt collection

XXXX Mail letter to ARS Account Resolution Services asking for Original Documents baring my signature to release personal information. Company can't verify inaccurate information, but still reported to all three credit XXXX, XXXX XXXX, XXXX. XXXX has it on my credit report without Original documents baring my signature to release person information to ARS Account Resolution Services. This braking HIPPA LAW
Product: Mortgage

LAKEVIEW LOAN SERVICING , LLC has used XXXX XXXX XXXX XXXX SSN illegally without authorization or consent per SSA 89 form. This company has committed identity theft, bank fraud, and operating a racketeering organization. The request for the promissory note has been denied. The company has denied giving up their bonding information so that a claim can be made. Trademark infringement has been committed. This complaint will be forwarded to the appropriate department for investigation. An audit will be conducted by the IRS.
Product: Bank account or service

I applied for a XXXX checking account provided by Citibank with a promotional bonus of XXXX Thankyou Points after meeting specific requirements. At account opening and ffter I finished the requirements I double checked with Citibank 's customer service agent and they all confirmed that I am eligible for receiving the bonus and it would be posted to my account 90 days after I finish all the requirements. However, it did n't post automatically and when I inquired through that system I got a response saying that they wo n't honor my bonus since I was n't targeted for the promotion. If that is true, they should n't have let me open the account, and should n't have confirmed my of the eligibility of receiving that bonus. This is a typical 'bait and switch ' activity.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX time to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) XXXX  Times regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as mandated by laws. EXPERIAN on XX/XX/year>,, I noticed that XXXX Bank Account # XXXX was reinserted into my credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinserting previously deleted information : ( i ) Certification of accuracy of information : The FCRA mandates that any information deleted from a consumer 's file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX Bank regarding the accuracy of the reinserted information. ( i ) Notice to consumer : Furthermore, the FCRA stipulates that if any information deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion XXXX Bank account number XXXX my credit report. In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within XXXX business days of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me by EXPERIAN. It is evident that EXPERIAN has failed to comply with the FCRA Section 611 ( B ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile. Therefore I kindly request that EXPERIAN promptly rectifies this violation by removing the reinserted from my credit report and ensuring strict adherence to the FCRA guidelines in the future. Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to a timely resolution. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered this account that needed to be deleted.
Product: Student loan

Navient Never told me that the interest rate on my loans were accruing. I went from XXXX to XXXX I need my principle lowered.
Product: Credit reporting or other personal consumer reports

I have attached copies of my credit report showing the disputed accounts that the credit bureaus are simply NOT EVEN investigating as usual. I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I am the XXXX XXXXt for a home that is being financed by Quicken Loans and appraised by XXXX XXXX XXXX out of XXXX TX. The lender had an appraisal done on the property and the appraiser bypassed several comparable properties that were recently sold and very similar in every aspect and used comparable properties that were almost a year old as well as devaluing the property based on incorrect assumptions about upgrades and modifications done to the subject property. This caused the property to come in {$6000.00} under the contract price. This same property had 6 or 7 offers that were above the contract price. I reached out to Quicken loans to help contest the appraisers findings and they submitted some of my the information that I submitted the first attempt. When the appraiser responded and I attempted to send additional information Quicken loans refused to send the additional information. 
This is causing an unnecessary financial loss to me and my client.