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

Subject : Equifax Reinserted a Previously Deleted Charge-Off Without Notice Original Complaint Reference ( if applicable ) : [ Insert Prior Case # if available ] Complaint Details : I am filing a complaint against Equifax for XXXX reinserting a charge-off account from XXXX ( Account XXXX XXXX XXXXXXXX ) that was previously removed from my credit report. 

This charge-off was deleted but was wrongfully reinserted without : Proper written notice within XXXX business days ( FCRA Section 611 ( a ) ( 5 ) ( B ) violation ) New valid documentation from the furnisher proving the debt is legitimate Adherence to federal reinsertion rules that require Equifax to confirm the accuracy of the data before adding it back Key Issues : Since this account was previously removed, it should not have been added back without formal notification and proof from XXXX 
Equifax has failed to comply with FCRA reinsertion rules, making this action both improper and potentially illegal. 
I Demand the Following Actions : Equifax must immediately delete this charge-off and confirm its removal in writing. 
XXXX XXXX XXXX reporting this account unless they provide verifiable proof of its legitimacy. 
Equifax and XXXX XXXX XXXX with the FCRA, or I will explore legal action. 

Failure to correct this issue may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for violations of my consumer rights.
Product: Debt collection

Received collection notice regarding unverified unsubstantiated debt, asked agency to remove debt from my credit report, no action taken
Product: Debt collection

this debt was dismissed in court in XXXX of XXXX. I began receiving calls from Sequium Asset Solutions in XXXX of XXXX. 2 letter were drafted, one by myself and one by my attorney for this company to stop all actions and communications as this case was won in my favor. I also asked over the phone XX/XX/XXXX as i recieved another call to which i was treated so harshly as if I were lying and brushed off. After being called AGAIN on XX/XX/XXXX i was transferred to XXXX XXXX where he stated he received the communications and would process the cease and desist but my credit would be effected because i owed them which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) Chrysler capital- Account was opened with my name fraudulently in XXXX XXXX XXXX XXXX XXXX with a balance of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was opened with my name fraudulently in XXXX on XX/XX/XXXX with a balance of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$630.00}. Ive also tried disputing before, XXXX XXXXXXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$1000.00}. Ive also tried disputing before, XXXXXXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with so & so. They have not provided me with SSA Form 3288. I have not signed a contract with so & so, they did not provide the original contract as I requested.
Product: Checking or savings account

Bank of America closed my account for no reason, have high balances. And now cant withdrawal my money
Product: Credit card or prepaid card

According to a XXXX XXXX, 2023 blog post from the Consumer Financial Protection Bureau, a settlement with Wells Fargo was reached after the bureau found that more than XXXX XXXX Wells Fargo accounts were subject to the bank 's " illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges. '' Wellsfargo closed my account for {$960.00} without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S2 ( 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 INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3200.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Product: Credit reporting or other personal consumer reports

Absurd that as usual experian notified me again of XXXX disputes are ready and as usual once you click on it it says call because they are not available so as usual I call and get a none English speaking person who wants my whole social security number and then they say there is nothing they CAN do or ALLOWED to do
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 I have attempted over 6 times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a XXXX. FTC Identity Theft Report XXXX. Identification XXXX. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I began my relationship with Citibank, and was approved for a Premier Mastercard. On XX/XX/XXXX, I expanded this relationship by opening a AAdvantage Platinum Select Mastercard. On XX/XX/XXXX I opened a Citibusiness Aadvantage Platinum Select Mastercard as well. 

On XX/XX/XXXX, while calling regarding a declined transaction at a grocery store on my Citi Premier, instead of unblocking the fraud lock on my card, Citibank closed both my AAdvantage Mastercard  and my Premier Mastercard in real time while on the phone. I was told that the decision is final and they can not be reopened. 

I feel that this decision is unfair. I used the card responsibly and always paid my bill on time, well before the due date. Furthermore, if their was something that they didn't like, why didn't they just warn me? Instead of taking the impulsive decision to close my credit cards. I've attached my credit karma report, showing the details of both accounts.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved. 

XXXX The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.
Product: Debt collection

On XX/XX/XXXX, my XXXX y/o mother suffered a XXXX. She was bed-ridden at that time and has/will be under constant professional medical care for the rest of her life. A few months later, I started receiving phone calls from the XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I informed them about my mother 's condition, and that I was in no way responsible for her actions or for any signing of any contract. ( SHE had purchased the 2 memberships in hopes of helping me & my husband ) These calls came repeatedly, and repeatedly, I informed them of the circumstances. 
Last week I received a Debt Collection Letter from : First Credit Services , Inc. ( FCS ) ( XXXX XXXX XXXX. XXXX, XXXX NJ XXXX XXXX ) demanding {$400.00} for a " GOLD 's GYM PHASE 2 '' creditor. Account nr. XXXX. 
How can an well established business conduct such erroneous behavior? ( retorical ). Is there anything you can do to XXXX XXXX XXXX in XXXX XXXX, Tx.? I will be sending a, " dispute of validity, '' to FCS tomorrow and do not expect any further repercussions since there is no signed contract. However, if there are problems, are there other avenues you or I could pursue? 
Thank you in advance for any/all help you can help me with in this matter. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You
Product: Mortgage

In XXXX a friend and I bought a house in Maine with XXXX XXXX using an FHA loan. We were easily approved. The mortgage was then sold to another bank, US Bank. US Bank is the company I am having a problem with. 

The co-owner who bought the house with me in XXXX has since moved to another state and in XXXX I bought out his share of the equity so I could keep the house. We filed a quit claim deed and the property is now fully in my name. 

The mortgage, however, still has his name on it, so his credit is still tied up in the house. So I applied for an FHA loan Assumption with US Bank back in XXXX of XXXX to get his name off the mortgage. The application fee was {$900.00}. I was very thorough with my application, and they quickly pre-approved me because my income, credit etc were all well above the threshold required by FHA. 

But since this pre-approval they have dragged their feet again and again. They will not contact me or reply to call or emails for weeks, and then they randomly ask for more and more information - some of it seemly irrelevant or unnecessarily intrusive, i.e. asking about a XXXX purchase and money I donated to a XXXX for a friend whose son was in a terrible XXXX XXXX Those most recent queries were on XX/XX/XXXX by loan officer XXXX XXXX. Or asking to see my phone bills even though I have good credit and lots of money in my bank accounts. And, when I answer these sorts of questions, it takes weeks for them to respond, and then they say the underwriters need more bank statements, more documents, another profit/loss statement, more explanations. More diversionary nonsense. I would guess the email thread between myself and the loan officer is approaching triple digits. And I've made numerous calls to their office and am never able to talk to anyone who matters. 

US Bank keeps moving the goalposts. At this point they have 8 months of bank statements and 3 years of tax returns, and they're asking for more. What I've given them should be more than sufficient to prove i have the income and credit to assume this mortgage. 

I believe they are acting in bad faith and are hoping I simply quit bothering them so they can keep my money and not have to process the assumption. A lot of folks online are saying they're having similar problems ; interest rates are high right now, and banks don't make money off these assumptions so they try to stonewall their own customers in hopes they'll quit or try to refinance at a much higher interest rate. 

What they're doing is unethical, if not outright fraudulent, as they agreed to FHA rules when generating or purchasing the loan. I would bet anything that they rarely approve these assumptions no matter how easily someone qualifies. Or perhaps they saw two men on a mortgage together and take issue with it? Either way they are acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " Hard Inquiry, is : XXXX XXXX, From XX/XX/2018. XXXX Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX and XXXX. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act XXXX  XXXX Account # 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.

15 U.S.C 1681s-2 ( 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 inaccurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is XXXX. 


NISSAN MOTOR ACCEPTANC XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made a XXXX transfer from another account to my Truist Account, I received an email notification that money had been sent. On Tuesday, XXXX the money had not hit account. I contacted Truist they said it was received and would got to my account the next day. Per Truist deposit information XXXX payments are immediate buy they held my money for 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Wells Fargo and XXXX XXXX were sent letters of validation via certified mail. The return receipts show Wells Fargo 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. Wells Fargo sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by Wells Fargo they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full with Sezzle, INC. on XX/XX/XXXX and closed it. Since then, this company is continuing to report a balance owed. I have called them numerous times and sent XXXX certified letters asking them to correct this issue. They sent me an email on XX/XX/10, stating the issue has been resolved, yet theyre still reporting on my credit.
Product: Checking or savings account

So since Chime responded and finally proved that there were error found and they sent me back the funds that were taken but then it happened again account got hacked email and phone number were changed and those funds were spent the hacker linked unauthorized accounts and transferred my money into those accounts Chime was not able to verify account because of these changes now there is still happening to my account