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

I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for me?
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX Equifax for FCRA Violations To Whom It May Concern, This is a formal complaint against XXXX XXXX Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) in response to my recent disputes regarding inaccuracies on my credit report. I submitted a dispute concerning several discrepancies with the accounts associated with XXXX XXXX XXXX ( XXXX ), account numbers : XXXX. 

As of today, more than 30 days have passed, and XXXX XXXX Equifax has not provided corrections to the inaccuracies nor a satisfactory explanation regarding the results of their investigation. This failure is a violation of multiple provisions of the FCRA, including but not limited to : 1. Duty to Investigate ( 15 U.S.C. 1681i ) : XXXX & Equifax is required to conduct a reasonable investigation of disputes regarding the accuracy of information in a consumers file. 
2. Duty to Correct Inaccuracies ( 15 U.S.C. 1681e ( b ) ) : XXXX & Equifax must ensure the maximum possible accuracy of the information in a consumers credit file. 
3. Duty to Communicate Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : XXXX & Equifax is obligated to notify me of the results of their investigation within 30 days and provide an explanation if the information was deemed accurate. 

Equifax & Experians lack of action has not only failed to meet these statutory requirements but also caused significant harm to my credit profile and peace of mind. 



Sincerely, XXXX XXXX
Product: Mortgage

I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a reinvestigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reportings that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over 13 accounts from the same Creditor : Account Name : XXXX XXXX XXXX  Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under XXXX XXXX  name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( 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. 

I saw on the CFPB bulletin for XXXX XXXX that theres a requirement from the FCRA for XXXX to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX  continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and willfull violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 
15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- XXXX and Equifax are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. XXXX XXXX XXXX is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 2 ) states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institution XXXX XXXX XXXX and the consumer reporting agencies Equifax and XXXX do NOT have my consent to furnish any information in regards to the XXXX XXXX  account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to Equifax, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX XXXX never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. This account is an adverse item that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states " 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 ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Bank account or service

Problem Setting up Bill Pay via Chase Online - ThiS is similar to complaint but involves Chase Bank USA. Received an auto loan from XXXX XXXX XXXX XXXX. Got loan on XXXX XXXX, XXXX and the first payment is not till XXXX XXXX, XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XXXX XXXX. I called and they would not back up first payment date from XXXX XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this XXXX finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my Chase USA checking account o start an auto debit through the bill pay and Chase did not have them as a an available bill pay vendor and said they would have to send a paper check to XXXX. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX/XXXX/XXXX and lets see how long it takes to post to my account.. I am very upset with XXXX and Chase ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has reportedly tried to collect debts that I have never owed. In investigation into the company needs to happen. 

I have no idea how TRANSUNION allows this to happen
Product: Mortgage

I have contacted AMERIS BANK in multiple occasion regarding account # XXXX and account # XXXX to provide me with all the initializing paperwork with Copy of the REMIC ( Real estate mortgage investment conduit ) filings so I can transfer the property to a Trust. I also demand the ( WHFIT ) Widely Held Fixed Investment Trust records.

\\ It is very important for me to have those Documents ( REMIC filings ) for me to properly transfer the property to the Trust, my counsel said those documents are needed. XXXXAMERIS BANK refused to provide any of the above referenced documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously reported on my issue with Wells Fargo on another dispute in which they had replied with an attached document and I responded because much of their statement was full of inaccuracies or lies. You folks at CFPB had closed this dispute which should have been further investigated but I had pulled my full Credit report and just noticed some additional inaccuracies or erroneous reporting on behalf of Wells Fargo regarding the dates in which they are reporting when I made payments on this account. 

I am requesting verification of cashed checks or debit transactions from Wells Fargo on these dates in which they claim I made payments on the account in question. I only made a payment in XXXX of 2018 while this account was in dispute and not on any other date. This would prove my claim of Wells Fargo 's erroneous reporting or lies to manipulate clients credit files to solidify their case. There were no payments made from XX/XX/2018 until XX/XX/2018 in which one payment was made and no other payments were made on this account what so ever while in dispute before or after XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/year>, a collection agency named NCA have posted to my credit report and demanded me to pay the amount of {$380.00} to them.

HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. 

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.
Product: Debt collection

I once signed up for Auto Insurance with XXXX ( Policy Number XXXX XXXX ). The insurance was cancelled and I had already shopped for another insurance policy through another insurance company. XXXX later came to inform me that I still need to pay for days of coverage. However, they wrote me a letter that if I can show them a proof of another coverage before cancellation of their policy, they would waive the purported premium. 

I did send a copy of my new policy to XXXX and they stopped contacting me for collection. 

After a couple of months they still went ahead to farm out a 'NON EXISTENT ' debt to Adler Wallach ( AWA ). AWA without consultation with me put a derogatory remark on my consumer credit report.
Product: Checking or savings account

I had a refund from an XXXX XXXX and randomly Wells Fargo hit me with a reversal and took the rest of my money in my account right before my vacation and in between paydays. It was all I had and my account had been overdrawn from automatic payments because of it and they have charged me over and over fees
Product: Prepaid card

ON XX/XX/2017, my online password, PIN number and security question answers were changed and an unauthorized debit was made on my AMEX Serve account for {$410.00}. They told me it would be resolved in 7-10 business days. It was n't. Then they said it should be resolved in 30-45 calendar days to give them time complete the investigation. They said I will be contacted by phone or email if I was needed or once they resolved the matter. I have called more than 10 times on my own because their has been no resolution or contact on their part. Even though I changed all the info with their help, it happened again on XX/XX/2017. The info was changed again and another debit was made for {$100.00}. I placed another dispute with them and they said it would be placed with the initial dispute and escalated to be resolved and someone will contact me within 24-48 hours. No one did. The 45 days was up on XX/XX/2017. I called once again and they said they are still working on it but they have no info to update me with, I just have to wait and no supervisor can assist me.
Product: Mortgage

On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX. 
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, Equifax, & XXXX. 

XXXX, Equifax, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, XXXX, Equifax that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

Td bank has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.