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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently reviewed my credit and noticed two accounts that were not mine at Synchrony Bank one at Walmart which was removed for Fraud by Synchrony Bank and another at Ashley Furniture not removed. I never signed or ordered any furniture from Ashley Furniture. I live in a fully furnished apartment in XXXX XXXX. I received a letter because, I had to go to the post office and have any mail at the XXXX XXXX address used forwarded to my address in XXXX XXXX, denying my claim of fraud from Synchrony Bank for Ashley Furniture, unbelievable as they honored the Walmart fraud complaint. I never made any payments, I never signed a contract and the furniture was delivered to an address that I am not affiliated with nor did I sign for any furniture. Who ever this person is used my information and a different address. I asked Synchrony Bank to verify signatures on the contract etc., They told me they did. That is a lie, they never asked me for my signature so how could they compare it to the contract? I am disputing this account as fraud. I was told on X/XX/2017 to go to the furniture store and was given the address to the store by a Synchrony Bank person to get a letter stating that it was not me. I went to Ashley Furniture on X/XX/2017 and the manager said they have nothing to do with it that it is the bank that handles it. Why would a rep. from Synchrony send me to the Furniture store? I am concerned that this has been handled inappropriately. I do not accept the way this was handled.
Product: Credit card

A card was opened using my information through chase bank in XXXX. I didnt not discover until XXXX. When I attempted to contact chase I was told an investigation would take place. I was never contacted regarding the investigation, I was never able to provide evidence it was not me who opened the account. Chase concluded I was liable for the charges despite never speaking to me during their investigation.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681, XXXX XXXX is not allowed to report any of my transactional history. XXXX XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$98.00} XXXX XXXX {$150.00} XXXX XXXX {$74.00} XXXX XXXX {$660.00}
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor? 
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received. 
7. I am also requesting the deficiency notice that you were suppose to send to me that I never received. 

8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Product: Prepaid card

I am writing to express my profound concern and distress regarding a series of events that have led to the unauthorized access and draining of my Chime account. 

On XX/XX/XXXX, I became the victim of a phishing scam, receiving a fraudulent text message impersonating Chime, which resulted in my phone being compromised and rendered inoperable. This unfortunate incident prevented me from receiving timely notifications about my account activities, including an early deposit of my paycheck on XX/XX/XXXX. 

In the subsequent period, from XX/XX/XXXX to XX/XX/XXXX, I was unable to access my Chime account due to two-factor authentication requirements linked to a phone number that was no longer accessible to me. After updating my contact information to my work number, I was finally able to speak with a representative. To my dismay, I was informed that my account had been completely drained. In a state of shock, I reported that all transactions post my paycheck deposit were unauthorized, as I had no online access to my account to verify these transactions myself. The representative filed a dispute on my behalf for all transactions during this period. 

Regrettably, I have been unable to log into my Chime account since then and have had to rely on phone calls to check my balance. No provisional credit has been issued to my account, which is particularly alarming given that this is not the first security breach I have encountered with Chime. 

Upon regaining access to my account, I was astounded to discover that my dispute was denied on the very day it was made, without what I believe to be a proper investigation or due consideration of the circumstances that led to the compromise of my account and the theft of my funds. Under Regulation E, I am entitled to dispute unauthorized transactions and request a thorough investigation into such matters. The supporting documents I have received do not adequately reflect the unauthorized access to my account nor do they provide a transparent account of the decision-making process that led to the denial of my dispute. 

I am urgently requesting a comprehensive review of my case and the return of the stolen funds. It is imperative that Chime adheres to its obligations under Regulation E to investigate and resolve such disputes promptly and fairly. I trust that Chime will take immediate action to rectify this situation and provide a detailed explanation of the actions taken to secure my account against future breaches. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it Equifax reported as pay as agreed .

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX recently went out of business and now claims the new servicing partner is a company called SST. SST is not an accredited business and it is asking me to make a new account at a higher interest rate. This is grossly negligent to the consumer.
Product: Credit reporting or other personal consumer reports

Do not look befuddled the information that is given to you. I am a victim of identity theft, my information has been stolen and used without any authorization from me.
Product: Debt collection

I rented an apartment. In my period there, it became unsafe to live in. The apartment caught fire, there were sparkling nosies coming from the electrical outlets. Door to balcony did not close and lock. Reported these issues to management. They came out to address the issues on the day of my walk through after I was allowed out of my lease due to these conditions. I have written proof of unsafe conditions and when the issues were addressed. I went to the apartments like I was asked to to do the final walk through. Management declined and said there was no need to complete the walk through. I gave the apartment back to Management cleaned and in the condition I took residence, only to find out that they had gone in the apartment the day of the scheduled walk through to address the unsafe living conditions. They then reported an astronomical amount to a debt collector and its affecting me and my survival.
Product: Mortgage

On XX/XX/XXXX, I closed on a HELOC with Citizens Bank, during that process, I was required to pay a XXXX loan off ( around {$25000.00} ) which wasn't a problem since I wanted to pay that off with the proceeds. At the time of closing, I was told that the bank would handle the disbursement check and overnight the check and payoff/termination letter on my behalf since it was a required payoff by underwriting. The disbursement date was XX/XX/XXXX and the check should have been received XX/XX/XXXX. My payment was due on XX/XX/XXXX which was a Saturday and I waited until Monday XX/XX/XXXX to call XXXX to see if they had received the payment which they still hadn't. I was advised by XXXX to obtain the check number and dollar amount as well as the address it was mailed to so they could check in their lockbox. I didn't have any of that information since it was a controlled payoff, I had to call Citizens to get it. When I called to get the information on XX/XX/XXXX, I was bounced around to a few different departments and then got someone who said she was going to order it and told to call back in a day or so. I called today on XX/XX/XXXX and was told that information isn't available because the backoffice didn't upload it. I asked for the payoff amount and was told that isn't in the loan file and also asked for the termination letter that I signed and was told that wasn't available either. The issue I have is this is deceptive practices since I was told that they would handle the payoff and now no one can tell me anything about the check but I'm paying interest on both loans. I have no proof the payment was sent or what address or account it will be credited to. I was also not given any copies of the payoff or paydown letters at the time closing to refer back to in the event this situation would arise. 

I asked for my request to be escalated so someone can " connect '' with the backoffice to get this information and again, was told that I had to call back in XXXX days once the images were available which is what I was told on XX/XX/XXXX but yet that this can't be located because it wasn't uploaded. There is no sense of urgency around trying to locate a $ XXXX check or tracking information and I was told on XX/XX/XXXX that I should wait 7 - 10 additional days before requesting a stop payment even though the check was overnighted.
Product: Checking or savings account

On XX/XX/XXXX, I closed both my checking and savings. However, citibank reopened my savings and took out XXXX to my other bank, XXXX. I sent it back so they could close it and yet they still won't close it. It's either that they close it for sometime and then it shows up as blocked account now. I can tell because when I call online and put in my Social security and my pin number, it shows a XXXX balance, meaning my savings account is still open. On XX/XX/XXXX, I went to a local branch and tried to get the teller to close my account and I signed a paper. Then, they didn't close it on XX/XX/XXXX, so now I went back on XX/XX/XXXX where they now showed my account as closed after I told them. however, today on XX/XX/XXXX, Citibank shows my account as now blocked but not closed.
Product: Debt collection

There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX  Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX  ( XXXX XXXX  ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX  in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.
Product: Mortgage

On XX/XX/2020 my bank, XXXX XXXX, sent a check for {$16000.00} to pay down our HELOC balance close to XXXX. Specialized Loan Servicing sat on the check, then returned it to me on XX/XX/XXXX, thinking that it was a loan payoff for a traditional mortgage. Two customer service representatives acknowledged the company 's mistake and agreed to a credit of {$150.00} in interest that I should not have paid due to the delay. 
I have spoken to customer service five times over the last six weeks ( several hours on the phone in total ) and each time they promise to refer my case to a supervisor and call me back. No one has every called me back, and the issue is still unresolved. On XX/XX/XXXX, the customer service representative told me that the HELOC department does not have a supervisor, so there isn't anyone to review the credit request. 
Please help.
Product: Mortgage

I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since the transition from XXXX XXXX to Goldman Sachs its been a nightmare for me. Last year XXXX I called to get my legal name on my billing statements because Im a " XXXX '' with a suffix and statements were being opened by my dad. After finally contacting someone by phone to make that clear my billing statements stopped for around 3 months. So I never received a statement. I was in agreement with XXXX XXXX for " hardship '' and my monthly payments were supposed to be {$40.00}. I have tried over a year to resolve this with every specialist saying " they will note my account and someone will reach out. '' Only one person has in over a year and I was on my way to work and told her to call me back the next day. She never did. I get harassing phone calls and inaccurate emails daily and weekly. It has created a balance, interest and credit reporting inaccuracies. I just responded to an inaccurate email today and spoke to another specialist and told her to note my account that I am now filling a complaint yet again with the CFPB seeing how nobody wants to help resolve this..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I contacted Equifax for more information on account XXXX XXXX XXXX XXXX ending in # XXXX, they responded back via mail with a letter stating my XXXX Date of Delinquency is reporting as XX/XX/XXXX. 

Today is XX/XX/XXXX I contacted Equifax again to get the account removed as it would have reached the 7 year statute of limitations law. I spoke to Representative XXXX and hes stating the XXXX Date of Delinquency has not changed it has always been XX/XX/XXXX. Which is incorrect and will be uploaded with my complaint. 

The date of the 1st date of delinquency would have made 7 years XX/XX/XXXX and is now changed just days before its supposed to fall off, which is a violation to the Fair Credit Reporting Act. 

Federal law prohibits collection agencies from changing the original delinquency date of the debt. I have documents showing the original date has been changed. 

Not to mention this account has already been removed from my XXXX and XXXX reports due to it has hit the 7 year mark. This account should no longer be listed on my Equifax credit report as well.
Product: Debt collection

I had my son onXX/XX/2019. I received a statement a statement for anesthesia services onXX/XX/2019 for $XXXX. I paid the balance of $XXXX in full on XX/XX/2019. Since this point in time the company has sent the balance to their collections agency and I have been contacted twice. Both times I let them know I paid the balance and sent a copy of the charge on my credit card statement, and was told that was not enough proof for the company. I then contacted my credit card company and had them do a three way call directly to the company and they were told the charge for the exact balance was paid. They again asked for something in writing and I faxed this over to them. Since I have had no response. I then logged in to their online portal and can see the balance still shows as owed. I emailed them in via contact us/inquiry portion in their portal with proof again and still no response.