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

I currently have a collections account listed on my Equifax credit report without a furnisher listed. I have asked them on four separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to validate the debt and provide their method of verification. I have not received any response from Equifax, and subsequent checks of my credit report show that they have updated the date of last activity and date reported. No information appears in the last verified field. Whats more troubling is that there is no creditor/furnisher listed on the account. How is this account being verified then? Who is Equifax confirming this information with? Why am I not receiving any responses with answers to these questions? I am hoping that the Consumer Financial Protection Bureau can assist in amicably resolving this matter or I will have to file a lawsuit against Equifax.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$22000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$3700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2300.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 # ( XXXX ) 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

All my XXXX accounts were compromised and I had XXXX close them due to the excessive XXXX that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.
Product: Credit reporting or other personal consumer reports

U

pon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects. It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity. Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to
these statutory obligations not only erodes trust in the financial system but also expo

ses MACYS/CITIBANK, N.A. to significant legal and reputational repercussions. Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. MACYS/CITIBANK, N.A. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose MACYS/CITIBANK, N.A. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some some inaccuracies reporting from one of my accounts. This account was paid off in full but it's reporting as a charge off collection. This account is only reporting reporting on Experian. This inaccurate information is hurting my credit score. According to 15 U.S. Code 1601 and 15 U.S. Code1692c, this account has violated my consumer rights, and I need this account deleted expeditiously. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Debt collection

XXXX  XXXX  sent me to a collection account for a bill that was not mine, For mobile service, I have never had mobile service, They said someone was using my SS and name and birthdate. 
Today XX/XX/XXXX filed a police report waiting to receive a copy of police report so I can ID Theft information form back to XXXX XXXX. 

XXXX XXXX sent me to debt collector ERC.date of invoice shows XXXX. 
XX/XX/XXXX I think they started using mobile service in XX/XX/XXXX. 
XXXX  XXXX, reference # XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I noticed my credit score went down by XXXX points. When I opened my credit report, I discovered there was a credit card not opened by me, that had about a {$750.00} unpaid, overdue balance. I never opened this card and reached out to the company. They had a hard time finding my account and after multiple tries, they were able to find my account using my maiden name, which I have not used in over 6 years.
Product: Debt collection

In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 card or prepaid card

Im already Citibank credit card customer and applied for another one Advantage to get miles reward. The approval process went fine I was approved and received the card at my home. When I tried to activate the card I was transferred to an agent and he said I needed to send my social security card in order to activate my card. For security reasons I insisted they already had my data and I could confirm the last 4 digits but I could not send my social by mail due the risk my SSN lands in wrong hands.

They said could not do anything ... but I had my credit score hit and the account reported but I can not use the card. 
I called a second time and explained the reasons I have other Citi card and others from Other banks and never had to mail anything and worst is the form says I would aurhorize a third party to access my data and does the verification. 
As far as I know this should be before they send me the card and report the as open account in all bureaus. 
I refuse to send an information they already have and get the risk my data exposed.
Product: Debt collection

XXXX XXXX XXXX XXXX Creditor Company Sold Account Type Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid XXXX Monthly Payment Past Due Amount {$570.00} Original Balance {$510.00} Terms XXXX Month Responsibility Individual I have never been to this facility Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy are violated I didnt not agree to this collector to solicit my personal information to an third party collection agency My XXXX XXXX  rights have been violated as well This debt was then charged and written off taxes purposes by XXXX XXXX XXXX Systems Then XXXX sold to and paid by XXXX XXXX without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to privacy, fairness and accuracy of my consumer report. Experian has assumed a vital role in assembling and evaluating consumer credit and other information. I never gave permission to Experian to my display my non public personal information nor have an agreement with Experian. The banking system is dependent upon fair and accurate credit reporting. If my consumer report is inaccurate it could directly impair the efficiency and undermine the banking system. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to Fair Credit Reporting Act 15 U.S.C 1681b Permissible Purpose Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX ALL 12 ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX  My consumer report with Experian is inaccurate. The attached file is confirmation of inaccurate accounts removed from my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the sixth time Ive complained about this - it has been months since I was able to login to my Equifax and get my credit score a I get the same error on all different devices so the problem is with Equifax systems!! 

They lied in the last complaint # XXXX Fix it now!!!! 

I am going to sue you this is your last warning! 

Equifax lies all the time! Stop lying and fix the problem!!
Product: Vehicle loan or lease

I am writing to formally dispute the validity of the debt listed under Account # XXXX my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor associated with this account. 

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting detailed information regarding the alleged debt, including the amount owed and a breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of validating the accuracy of the debt amount, as mandated by law. 

Additionally, I assert my rights under the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1666b, 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 15 USC 1692 c, d, e ) to ensure that this account is reported accurately and fairly by all credit reporting agencies. 

Please note that this dispute letter serves as a formal request for validation and verification of the debt. Until such time as this information is provided to me in writing, I insist that you cease all collection activities on this account and refrain from reporting it to any credit reporting agencies. 

I expect a prompt response to this matter within XXXX  days as required by law. Failure to provide the requested information within this timeframe will result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 
The same account has already been removed from the other credit reporting agencies XXXX and XXXX and you still continue to report inaccurate information
Product: Debt collection

THE COMPANY AMSHER COMPASSIONATE COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Mortgage

Bank of America failed to do a valid XXXX appraisal in a value dispute. The original appraiser they used failed to do a conplete evaluation resulting in BOA rejection of my short sale offer. 
Appraiser appears bogus XXXX XXXX hired by XXXX XXXX XXXX ( none working number? ) State ID XXXX. His report ommited crucial repairs that would reduce value significantly ..
Product: Mortgage

On XX/XX/XXXX I applied with Chase Bank for a Texas cash-out refinance on my personal residence. After answering in-depth questions and supplying documentation, the XXXX XXXX XXXX whose NMLS ID ends in XXXX quote a loan produce and rate followed with disclosures of the same. Additional statements were made including but not limited to appraisal waiver applied, existing survey would be acceptable with final determination by title and that due to the very low loan to value ratio that only 6 months cash reserve would be required. The advisor then stated that I was required to pay {$500.00} at application, and that this {$500.00} would be credited at closing to the transaction. 

Subsequently, once the underwriting began, Chase demanded 18 months of cash reserves which I provided support for ; demanded reserves for specified cash balances in my XXXX account in reserve for a provision in my XXXX divorce decree that had previously been satisfied with my ex-wife ; demanded further cash reserves beyond 18 mos balances which were held in Chase accounts by requiring accounts at other banks ; and demanded I self-attest that I am XXXX  when in fact I am W2 employed with a XXXX XXXXXXXX XXXX  XXXX. 

Chase then demanded that an appraisal be ordered contrary to the original statements when I paid the {$500.00} ; and Chase demanded that 67 % of the cash-out proceeds be held in escrow to transfer at closing to my ex-wife as Chase was declaring this loan to now be a settlement of OWELTY lien. 

My complaint is three fold : 1 ) Chase changed the terms and created a situation where the loan product is not an allowable loan ; i.e., cash out or OWELTY rate & term refinance but not combined ; 2 ) Chase ordered an appraisal which is available to use by another lender who actually understand how to process and OWELTY refinance and refuses to allow for the appraisal to be released and thereby causing duplicate expense and further delay ; 3 ) Chase has claimed that new requirements for conventional loans have been published as a result of COVID-19 and now requires me to assert that I am self-employed - which I believe Chase is doing so that the rate Chase locked for this loan and the type of product can be changed to cover up their series of errors and charge more for the loan.

Lastly, Chase has collected all of the documentation requested and has edited the entries on the application and demanded that I sign these modified forms. I notice several errors and omissions on their part in how they recorded the data they demanded and to which I provided documents, yet they have not correct those same forms.

I believe Chase is acting in bad faith and is fabricating unreasonable demands to delay progress on the application because they know they can not proceed as a split cash-out/OWELTY rate & term loan as they have constructed. The Chase management has given excuses that they can not release the appraisal because they could be help liable ; stated that the COVID-19 rules requires XXXX attestations and will not confirm that Chase will refund the {$500.00} I paid at application.
Product: Credit reporting or other personal consumer reports

I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard back
Product: Credit card or prepaid card

My mother had a Citizens Bank credit card. 

On XX/XX/2019, she died. 

On XX/XX/2019, I called and reported her as deceased. They asked for a copy of the death certificate. I have tried to send it to them unsuccessfully. 

I have also tried to log on to her account to verify it was closed. About a month before her death, I created login information so I could pay her bill online. I keep getting an error message that state that their system will not allow me to log in at this time. I thought maybe I forgot the password, so I sent a password reset to my e-mail. I still get the message, so Citizens has rendered it so no one can even view the account. 

I want written verification that the account has been closed and I am sending a copy of the death certificate to your office to forward to Citizens.I want to be certain that it was completely closed out and that the account has not been used since her death.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX I.C SYSTEMS INCXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, I viewed my free credit report on Experian. It shows zero credit history and offers a 1 $ FICO score on a 7 day membership, then charges XXXX dollars a month if not cancelled within 7 days. I DID NOT SIGN UP OR GIVE MY DEBIT CARD INFO, but somehow still received an email with a membership ID and {$1.00} was charged to my bank account. 
Experian claims the only way too cancel a membership is by phone, but every number is automated, with zero option to speak to a human, and states that I am not a member.

This company is going to ruin my credit before I can even obtain credit to begin with, how is one of the three main credit bureaus allowed to be a complete scam?