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

To Whom It May Concern, On XX/XX/2018, I filed a request/dispute with Equifax, and XXXX   via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - Equifax, and XXXX  then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number xxxx within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX ) from their records, I feel Equifax is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the Equifax is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at Equifax, and XXXX
Product: Mortgage

To whom it may concern, I have tried relentlessly to resolve this issue with PHH Mortgage. My name is XXXX XXXX and my loan number is XXXX. PHH gave me a loan modification after my forbearance then closed it prematurely stating my modification agreement was not returned on time. They closed the modification workstation and they denied it. I mailed the agreement back on XX/XX/2022. I was due back by XX/XX/2022. PHH sent me a letter dated XX/XX/2022 stating I refused to send the modification agreement back on time. I filed a complaint PHH then sent me a letter apologizing stating they had made an error and instructed me to send in the expired agreement along with my XXXX and XXXX payments. I sent in the mod agreement and the XXXX payments certified check from my bank and a signature required upon the envelope being delivered. It was delivered on XX/XX/XXXX a PHH employee signed for it. PHH then told me they got the mod agreement but no checks and I would have to send in a new packet to reapply for a modification. Upon several occasions I contacted them persistent that I mailed it and someone signed therefore they ought to find it. I was then told after weeks of back and forth with them to send in the proof to the research team. I asked my XXXX daughter XXXX XXXX to use her email to send to the research team as I was locked out of my XXXX account. I was then told that they found they checks 2 months later and it was fine it will be applied to my account and the modification will be acceptable they just needed to get some documents from the loss mit team. Suddenly another letter appeared at my home stating my checks were no good and I need to send in a 3rd party authorization for the email that was sent to the research team. I XXXX XXXX has been communicating with the mortgage company myself. Every attempt to resolve this issue PHH dropped the ball keeping me delinquent. I am very sick, exhausted and fed up with PHH. I have lost XXXX lbs because of stress with this situation. They are not competent to even receive an agreement and XXXX checks to apply to the borrower loan without antagonizing and tormenting the borrower for months. I lost my husband during XXXX and I can not afford to lose my home. Can you please once again TRY to ensure PHH does their job correctly without frustrating a borrower as if they just want the house back. Ive have complied with every request from PHH but they are simply tormenting me. A situation that should have been resolved since I mailed my original modification agreement on time should have been resolved. PHH is stating that my investor is saying my loan can not be modified again. I havent had a chance to get use of this modification because first the closed it prematurely, then in my second attempt to resolve they lost my checks for 2 months. This is inhumane the wringer they are putting the borrower through. Thanks in advance for your help it is appreciated. If theres nothing you can do to help I will be forced to get an attorney to help resolve. Both times I followed directions provided by PHH they sabotaged me. 

Best Regards XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 TD Bank in XXXX XXXX fraudulently opened a checking account under my name ; as well as two savings account. The accounts have been closed but the corporation is lying trying to say I opened the accounts. I went into a TD to see how the savings accounts where opened and the teller tried to say I had to scan a XXXX check like you receive to deposit in the atm for a new account and I said she was not being honest and got my ids bank and left. There is also a fraudulent charge from XXXX for XXXX that should only be XXXX with a tip-off XXXX dollars added later. And on XX/XX/2021 there is a fraudulent charge of XXXX for checking the ATM at was a on XXXX XXXX XXXX in XXXX Pa but it was checked at the TD at XXXX XXXX and XXXX XXXX. This is like five different issues with this bank in the last week and it needs to be thoroughly investigated by the federal government by pulling their it accounts and security footages. The bank in XXXX  was near XXXX and XXXX.
Product: Debt collection

The company named has not provided any proof that I have a obligation with them or have done business with them. And have been reporting wrong info on my credit reports which i would like to have removed.
Product: Credit reporting or other personal consumer reports

I submitted COMPLAINT ID XXXX on XX/XX/year> that I have been trying to resolve an address problem on my credit report for more than a year and a half, with documentation. They responded by telling me to do the EXACT SAME THING I have done multiple times, spending countless hours uploading documents, reuploading documents, waiting on hold, being disconnected, never hearing back, hearing back only to find that NOTHING has been fixed. 

Since there is no way to actually contact them to have a conversation about this, I am submitting another complaint. 

In addition, I see they have XXXX  DAYS to look into my issue. Truly amazing. XXXX more days after nearing XXXX  years of nothing solved. It's insane. There error and disdain for fixing it, is impacting my credit, my ability to do business as a small business owner, and my ability to get the best rates on a mortgage. How is this not criminal in some fashion?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX   please i didnt apply for these Thank you
Product: Credit card or prepaid card

I received an alert on XXXX that a hard pull was done on my SSN. I checked my report and found Comenity Bank / Bread XXXX did a hard inquiry for a new credit card that I did not authorize. I called them on XXXX to resolve the issue. I was put on hold for about hour and was not able to speak to anyone about this issue. The message said their gents were busy while I have to work and cant wait on hold all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX Transunion To Whom It XXXX Concern : I received a copy of my credit report and to my surprise, you are reporting this account inaccurately. This collection is reporting not only as XXXX, but also shows past due balance of {$730.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

I received a copy of my credit report from Transunion file number XXXX and it showed this inaccurate information. I also noticed that XXXX of the names listed on my report is incorrect. It shows XXXX XXXX XXXX. I do not now, nor have I ever gone by XXXX XXXX XXXX. Anything reporting with that name is fraudulent and should be removed at once. I have asked this before and it has yet to be removed. This name is inaccurate and can be proven by my signature, birth certificate, government I.D . 's, utility bills, and any other means of identification.
Product: Credit reporting or other personal consumer reports

The record was supposed to been deleted per settlement however it still has XXXX been removed from credit Bureau
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$0.00} - Charge off XXXXXXXX XXXX XXXXXXXX **** Date Opened : XXXX Owed : {$5.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX/XXXX  A XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING : XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

XXXX : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

TRANSUNION : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2020 my Costco Citi credit card account has been closed, I come to know through my Citi mobile app. I called to customer service of Citic bank and they said my account has been closed and they do not know the reason but I should receive a letter explained the reason. 
I got a letter on XX/XX/2020, but it does not have the reason mention. I called the customer service again and they said me to send a request form to Citi bank location to ask for the reason of my account closed.
Product: Bank account or service

I have three promotional offer accounts with Syncrony Bank. All of these accounts provide a minimum monthly payment. I recently discovered that my hh gregg account through Syncrony Bank has been providing me with a monthly minimum amount which did not provide me with a monthly minimum amount to meet the promotional offering of zero percent interest and are now charging me 30 percent interest retroactively which is almost the amount of the original purchase amount. Since my other promotional accounts with Syncrony always provided a minimum monthly amount to avoid hefty interest charges, for some reason Syncrony provided me with a lower amount for this hh gregg account so that I would miss the promotional deadline so they could charge me an enormous amount of interest. I have tried to work this out with them but they refuse to acknowledge any responsibility of their part.
Product: Credit reporting or other personal consumer reports

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations associated with the above-referenced account. Your agencys incorrect reporting of this account violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage to my credit profile. Immediate correction is required to avoid further escalation. Violations Identified for the XXXX  XXXX  1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX  and XXXX XXXX. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts. 2. Discrepancies in Last Activity Dates o TransUnion lists the last activity as XXXX, while XXXX  reports it as XXXX, and XXXX  reflects XXXX. This inconsistency directly violates 611 of the FCRA, which mandates accurate and consistent reporting. 3. Failure to Align Payment History with Account Status o The payment history indicates multiple late marks even after the account is marked paid and closed, which creates an inaccurate reflection of the account's standing. 4. Dispute Status Not Updated o The account is incorrectly marked as "Account Not Disputed", despite previous efforts to correct the reporting. This non-compliance with 623 of the FCRA demonstrates a failure to properly handle disputes and ensure accurate updates. 5. Conflicting Remarks and Status o Remarks state, "Closed or paid account / zero balance, fixed rate," yet late payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been over 45 days and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Consumer Dispute Department : 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, defamed my character and caused me great 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, For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

My problem started on XX/XX/year> when XXXX XXXX XXXX XXXX XXXXXXXX submitted multiple applications for loans I did not authorize, I did not submit, did not activate and did not use. According to XXXX about 9 applications where submitted on that day to check my Credit Report, Synchrony Bank was one of those companies. Synchrony Bank approved two XXXX XXXX for {$50000.00} in my name and XXXX XXXX XXXX XXXXXXXX and another on my husband name and XXXX  Construction & design. I do not know that XXXX, I have never applied for a credit card or a loan with a third party. All my loans and credit cards are with my husband, I don't do it even for my children. Synchrony Bank put XXXX on the credit card and disborsed money to them, I already told them they should collect the money from XXXX. XXXX  company has not done any work for me or on my property. XXXX XXXX not only submitted a fraudulent application for XXXX credit cards with Synchrony Bank but sumitted XXXX other fraudulent payments request for windows work to XXXX XXXX and XXXX XXXX and another payment request to Mosaic for solar panels ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX submitted fraudulent claims for XXXX XXXXXXXX XXXX XXXX ) Synchrony Bank has collected money from me and is now harrasing me for a debt that is not mine. I paid bills because I did not want to make my credit worst ; lost over XXXX points with all the credit checks of XX/XX/year>.
Product: Credit card or prepaid card

After over a years worth of ontime payments, I had one transaction reverse due to non sufficient fund. The next day I fixed this issue and made an online payment to cover that payment and then some. 

Continental Finance reported this as delinquent to the credit bureaus, when in fact the account is in good standing. 

I tried to call them, but their automated system is not capable to handle this request, When I tried to get operator, the system told me no one was available and hung up on me.