23daVinci/CFPB_Complaints huggingface dataset:
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 & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS ALLOWING XXXX AND XXXX TO REPORT THE SAME COLLECTION ACCOUNT WITHOUT THE PROPER VERIFICATION. EXPERIAN CAN NOT REPORT THAT THERE IS AN ACCOUNT WITH XXXX  FOR {$13000.00}. THEN THIS ACCOUNT WAS BOUGHT BY XXXX AND IS REPORTING IT FOR {$14000.00}. I DEMAND THE PROOF THAT MYSELF XXXX XXXX HAVE ANY CONTRACT WITH XXXX  AND XXXX FOR THESE AMOUNTS. THIS IS HARASSMENT TO REPORT THESE TYPE OF TRANSACTIONS WITHOUT THE PROPER DETAILS. HOW MUCH DID XXXX PAY FOR THE CONTRACT? I DEMAND THAT EXPERIAN PRODUCE THE WET INK CONTRACTS FOR AVANT AND XXXX ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ) or DELETE THESE TWO ACCOUNTS FOR HARASSMENT. EXPERIAN CAN NOT ATTACK MY CREDIT FILE WITHOUT PROPER LAWFUL PROOF!!!!!!!!
Product: Debt collection

I have been a victom of identity theft. I submitted formal letters to the bureaus XXXX XXXX, 2017. I included a police report, an FTC affidavit, a utility bill and my necessary drivers license and social. XXXX and XXXX removed this fraudulent item. XXXX also removed it. As of yesterday, XXXX XXXX, 2017, it has appeared back on my report for XXXX. I called and asked why it was back on there. I was told it was never taken off ...? I asked why it was on there and they other fraudulant charge from the same company, same acct number for just a different amount, was taken off but this one wasnt. I was told by XXXX that the lender confirmed it was my account. I asked if the lendor provided them proof it was mine. And if I was mailed proof it was mine? I was told no to both questions. I informed her it has been over your 30 day alotted legal amount of investigation time and you must remove this fraudulent item. I was told they would not and would submit it for reinvestigation. I replied, '' this is NOT the law '' I am trying to get a home loan and your errant posting of this item has hindered me. The law says that you must remove it after a 30 day investigation if you can not provide proof it is mine.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

Discover Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all 3 credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all 3 credit reports and preventing me from securing a home loan.

The balance on this account should show a XXXX XXXX XXXX XXXX  balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with Discover and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.
Product: Debt collection

XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocassionally I want to remove a security freeze on my equifax account but everytime I have tried to log into my equifax account I am not able to. I can not reset my password, no message ever reaches my inbox, and therefore I have to call. I have called 3 times this year already, and twice today, spending more than one hour. When I could not answer a question about a car loan I paid off years ago, I was told that my identity could not be verified and that so sorry, no one can help me. 
Security breaches happen all the time, meaning security is not that good, yet I am kept from accessing my own account.
Product: Debt collection

The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY
Product: Mortgage

My mother, in XX/XX/XXXX took out a 30 year loan with XXXX XXXX XXXX Bank for XXXX with a 6 % interest rate. In XXXX, 32 years later, when I sold the property, the payoff on the loan was XXXX ; not even half of the loan was paid off. Included in the payoff was an inferred interest of XXXX. This was the reason for the initial inquiry requesting the loan history transcript ( LHT ). As the administrator of the estate and successor of interest to the property I felt obligated to find out the reason for the remaining payoff and inferred interest. 
The loan originated with XXXX XXXX XXXX Bank in XX/XX/XXXX. In XXXX XXXX XXXX XXXX Bank merged with XXXX XXXX XXXX. In XXXX XXXX merged with Sterling National Bank. XXXX, Sterling National Bank is the custodian of records and should be able to provide the requested LHT and any other documents related to the loan. 
My first request for the LHT was in XX/XX/XXXX. Sterling National Bank acknowledged the receipt of my request and further stated that the inquiry was being referred to the appropriate area for review. Sale of the property was pending closure so I tendered the requested payoff amount not to hold up the sale of the property. My intent, was once I received the requested LHT, it would either prove up the accuracy or inaccuracy of the payoff balance as quoted by Sterling National Bank. Thru the following months, I made 8 different requests for the LHT. Each time, I was sent some sort of document : the satisfaction of the mortgage, the payoff statement, 2 years of the loan history transcript, the deed, etc. Never, was I sent the full LHT as requested. 
Frustrated, I asked my estate attorney for help. In response to my attorneys demand for the LHT, a written response was received from Sterling National Bank XXXX Department. The Escalation Analyst provided the LHT from XXXX thru the payoff date of XXXX. In addition, the response stated that Sterling National Bank does not have payment history copies prior to XXXX. Unfortunately, the LHT that was provided does not tell me what happened to this loan. It doesnt explain neither the large payoff amount nor the inferred interest. What it does tell me is that my mother paid her mortgage each month. It does not explain the discrepancy which was the impetus for my initial inquiry. 
I believe Sterling National Bank does indeed have the previous 15 years but chooses to withhold because there has been an egregious error. 
As previously stated, the loan originated with XXXX XXXX XXXX Bank. In XXXX, XXXX XXXX XXXX acquired XXXX XXXX XXXX Bank. In XXXX, Sterling National Bank acquired XXXX XXXX XXXX That said, Sterling National Bank is the custodian of records of the loan from its inception date of XXXX thru the payoff date of XXXX. According to Federal Regulation Z, Truth in Lending, Sterling National Bank should have all documents relating to the loan and should have the LHT for 36 months after the payoff.
Product: Credit reporting or other personal consumer reports

I noticed recently while reviewing my credit report that I've been a victim of identity theft and found multiple credit inquiries that I don't have any knowledge of. The inquiries that I found are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Please remove these fraudulent inquiries from my credit report. I am attaching a copy of my identity theft report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Formal Compliant Against Experian To whom it may Concern : I am writing a formal compliant against Experian. My Compliant is that they have failed to removed a negative reporting off my credit file. The initial Certified letter to Experian was sent on XXXX.XXXX.19,  disputing the inaccurate reporting, along with a correspondence letter from XXXX on XXXX.XXXX.19, which states there are no delinquencies reported in the credit history of the account in reference. After submitting this information to Experian they are still stating that discrepancies are still accurate, which does not line up to what the Original Creditor Verified in there previous letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, 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 1681c. ( a ) ( 5 ) Section States : 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.

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. 

Due to the inaccurate information im not able to extend credit to purchase a home and or vehicles.
Product: Credit reporting or other personal consumer reports

I am distressed that I have included the information below in my credit profile and that the credit union have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I sent the first letter to verify the information on XX/XX/2023. and I still haven't received any information on the accounts on my report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX  Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXX, XXXX Account XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.
Product: Debt collection

I was trying to apply for a mortgage loan, and this account has been under my collection and never let my score go up. Initially, many years back someone used my name credit card to make the purchase at Macys. I knew about it later, but they told me that I do not have to pay If I didn't make those purchases. My score went very bad because of this account. I called macys asking for the information to send the payment, and they sent me a letter saying I do not have to pay. Now I want that account be removed from my collection account so I can work on making my credit score better.
Product: Checking or savings account

When I had a Wells Fargo account I often had difficulty using my card as they froze it several times without reason. They also double charged me over draft fees and service fees. I tried to resolve it directly with Wells Fargo. I closed my account because they did not resolve the issues.
Product: Credit reporting or other personal consumer reports

Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, Reference : XXXX XXXX XXXX XXXX I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account with XXXX XXXX XXXX  that appears on my credit report now as a collection account with XXXX XXXX XXXX. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

Under the Fair Credit Reporting Act ( FCRA ) section 611 I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. 
Verification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation. 
Account Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. 
Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. 
I would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. 

Please consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. 

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

Experian continues to report incorrect information on my consumer report. There are several names, address, and phone numbers listed that do not belong to me. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. Any information listed other than what I just stated is not correct and should be removed immediately.
Product: Payday loan, title loan, or personal loan

I hope this is the right place to file this complaint. A fraudulent line of credit was opened in my name with Citizens One. I have contacted them and submitted a fraud packet. I've been trying to get a hold of their fraud department for over a week and no one is responding. The message says to leave a name and number and they will respond within 1 business day. I've tried the original number I contacted but they said once the packet is submitted, it needs to go through the fraud department and they don't have any other number than what was provided. 

It's been a month since this all started and took almost 3 weeks for Citizens to send me an email with a packet to fill out an send in. Now they don't answer calls. I'm at a loss for where to go next to get them to take action as I seem to be in a void of no one being able to help and no one responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Product: Mortgage

It is inconceivable that Washington Federal ( XXXX XXXX ) had not disclosed the true costs of the loan, as the closing costs changed by more than 500 % within days of our expected loan closing date. 


We came to Washington Federal ( XXXX XXXX ) a construction loan to build a log cabin. One of these questions was whether we could use the appraised value of our land, which has not been in our possession for more than a year, rather than the purchase price. As our purchase price was in our opinion, and confirmed by Washington Federal, quite low, this was of critical importance to us in establishing the equity of our land. Washington Federal mentioned that Washington Federal believed our circumstance would allow us to use the appraisal price and Washington Federal would confirm with the underwriter. As a customer of the bank, we have no direct communication with the underwriter, and this issue was not brought up again by Washington Federal as a concern. We continued down the process of working towards the loan closing, paid for the appraisal, and provided documentation of 15 conditions set forth by the underwriter for the pre-approval process. These conditions required extensive work by us and we worked to complete these in a timely manner to ensure a smooth loan approval process. Within a week of our expected closing, for Washington Federal to inform us that the appraisal of our land could not be used was unprofessional and unethical. 

One of the loan requirements was to have a building permit. This required several thousand dollars of investment, so the project could be approved. We met this condition and submitted a copy of the permit to the bank, and then the terms of the loan changed, including the required loan to value ratio. 

On multiple occasions, we requested documentation of terms that were either verbally told to us or were documented differently than what was told to us. A loan professional, should not have waited for our request, but rather have documented any verbal representations immediately. For the majority of these requests, the documentation updates did not occur, and we were verbally assured by Washington Federal that it would be included at closing. For example, one item included a reduction in interest rate. As interest rate impacts our payments for a construction loan and subsequent 30-year mortgage, this item should have been documented and was not. 

Washington Federal charged us {$1100.00} for the land appraisal, over charged us {$200.00} did not send us a refund until we asked for a refund. If more documentation is needed for the complaint we will file at the time.
Product: Credit card or prepaid card

I applied for a bloomingdales card in order to purchase a gift. I purchased an item at the store using a credit card authorization provided on site. 

I never received the card or any bills until after the payment date had passed already. Prior to this I used the automated phone service to pay off the amount. A few weeks later I received a call that the payment was not made. I immediately paid it in full and asked that late fees and interest charges be reversed. And, the agent on the phone assured me that all fees and interest would be reversed. 

Now a month later I received a bill for {$110.00} in interest charges despite their assurances. I called a few times and each time was placed on a forever hold. 

They also purposefully play static and horrible hold music to discourage people from fighting fraudulent interest charges.