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

I have requested an investigation into this account twice, and both times I was informed that the report was accurate. However, my credit report is still not accurate. The account numbers differ across the bureaus : Equifax shows XXXX, while XXXX and XXXX XXXX XXXX. Additionally, Equifax lists the account as a XXXX XXXX account, but just last month it was labeled as an XXXX XXXX XXXX account. How is that possible if all reporting agencies get their information from the same source? There is no way this is accurate. I will attach screenshots as proof XXXX credit reports and a 3 bureau report. 

You have failed to properly investigate this account twice, which is hindering my ability to obtain credit. 

15 U.S. Code 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

I demand that you delete this account immediately. 
XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

Hello! 

I applied for an assumption with Loan Care on XX/XX/XXXX via their assumption app they sent me in XXXX. I submitted the application to their email XXXX. I got a response indicating that they received the package, however three weeks later i still hadnt heard anything on the next steps or how to navigate the process. I called and a rep told me that they didnt see i sent anything in, and she would have to submit a assumption request and then in 30 days someone would mail me out a assumption package. I told her i already sent the package in that was sent to me last year, she said she has no record i sent anything in and this is their process. I asked her to have a supervisor call me back.

The next day a supervisor called me back and told me to email them again to the assumptions email box, even though the inbox states it is not for status updates only document submissions. she said this was the best advice she could offer me, and so i sent another email stating i was following up. 

I have still not heard back, and am in urgent need of this assumption package to start its review.
Product: Credit card or prepaid card

1. I logged into the Citibank app to make my payment on XX/XX/XXXX ( my due date ). The app showed that the minimum payment due was zero and balance on the statement generated on XX/XX/XXXX was also XXXX. Screenshot attached. So I didnt make any payments. 
2. I tried using my card out of the country and also after returning back to the US ( on XXXX, XX/XX/XXXX ) and several other occasions. The card was being declined. 
3. I got a debt collection call from Citibank mid XXXX ( maybe XX/XX/XXXX or so ). I was furious that my account was marked delinquent for no fault of mine. I was asked to make a payment immediately and I refused as I was not due until XX/XX/XXXX for the next payment. I also asked for a complaint to be raised. 
4. Till date no action has been taken on my complaint and no one has reached out to me. 
5. I called again and an agent offered to waive my late fee and interest charges for XXXX. 
6. I faced the same problem earlier in the year where I was showed a zero balance but was charged a fee. I talked to an agent for a long time and that was resolved by refunding my account. This is a repeat occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal, this should serve as a written notice that I XXXX XXXX last 4 digits of my account number XXXX, have witnessed inaccurate an incomplete information on my consumer report please investigate the following accounts so they are 100 % complete accurate so my consumer report is fair an equitable to me, and send me a notice of election form. XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 2021
Product: Checking or savings account

My account was closed by Chase Bank Account number XXXX, on the letter Chase stated the funds I will receive 7-10 bussiness days it has been over three months I am waiting. I called in XXXX was told they will reissue a check but still didnt receive it. Today on XXXX2019 I called in and was informed my funds are being held it has been over three months I am waiting for my Money. 

I had two other business account with Chase which I already received my fund in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Product: Credit reporting or other personal consumer reports

Ive had credit card fraud with XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX , Balance owed {$1100.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.
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 mu 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, 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 an 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 the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a Home Equity Loan with Regions Bank on XX/XX/XXXX XXXX 
The application process was absolutely brutal including not only submitting multiple years of tax returns and W-2 's and the expected application and financial disclosure forms but also federal tax information release forms, paystubs, bank account statements, rental agreements, property insurance forms, flood insurance forms, etc I also needed to go through two appraisal processes when the first appraisal estimated the square footage of my home at XXXX less than actual. 

After months of submitting information two weeks ago only a final form was needed which was the Flood Insurance certificate with my name on it. But while the insurance company was working on this the entire loan application was cancelled (! ) that's right, CANCELLED without a word of warning because apparently an application is cancelled once it is three months old (?! ) Now I am being asked to start completely over submitting the EXACT same documents that took months for me to submit and for Regions to review. To say that this process is 'not fair ' to consumers is an understatement.. this is literally consumer ABUSE. Please do not bail out this bank the next time they are bordering on bankruptcy.. they don't deserve the help and consumers don't deserve the abuse.
Product: Mortgage

With response to my claim # XXXX, I have made payments on the due date, and now they have increased my payment. I am not even making minimum wage and they wo n't help me. They told you that I needed to re submit the forms, but I have done this 3 times now but no reply. I stated this to you to dispute their last response, but I have n't heard any reply from you. I ca n't even buiy food for my XXXX sons because I do n't work XXXX hrs nor do I make minimum wage. Someone please help me!!! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Nelnet is the servicing company for my federal loans. Nelnet is reporting a duplicate account with an open date of XX/XX/scrub>XXXX XXXX XXXX
Product: Vehicle loan or lease

the other XXXX XXXX XXXX called about a fraud attempt to obtain financing tob uy or lease or mortgage car at XXXX or else where, and on my creditr report I see ther was also an inquiry to capital one auto finance on XX/XX/23 also and I have no capital one auto inquiries and this is a fraud. Capital one I called twice and they seeemed unable to help me and kept me on hold for 15 minutes and did nothing. 

SO I am forced to file this complaint to make sure they recognize the fraud and identify theft and shut it down. shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXXl has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Debt collection

I am a victim of ID Theft and have already notified my local police department and have a fraud alert setup on all 3 credit bureaus ( XXXX, XXXX and XXXX ). I monitor my credit daily and have all supporting documents supporting my ID Theft. XX/XX/2018 I received a collection letter from XXXX  stating I had an outstanding debt with XXXX XXXX XXXX XXXX XXXX for {$100.00}. I immediately in writing notified XXXX via certified, return receipt mail of my ID Theft and sent over Police report, FTC ID Theft report and request for Validation of this said account. I have never opened an account nor have I given anyone permission to open any accounts with XXXX XXXX XXXX. I received proof back that XXXX received my request but never received anything else from them showing they could even validate this account. Fast Forward to todayXX/XX/XXXX I received an alert from my XXXX credit report that a collection account was added by Diversified Consultant. So here 's where the problem lies. Number 1 I'm going to assume that Diversified Consultant purchased a fraudulent debt account from XXXX and or XXXX XXXX XXXX who knew this account was due to ID Theft and who never responded to my request for Validation. Number 2 Diversified Consultant has not one time contacted me in regards to this XXXX XXXX XXXX  account via mail or phone because if they had, then they would've been notified in writing via certified mail that this XXXX XXXX XXXX account is due to ID Theft and to send me all Validation pertaining to this account. That never happened and I was never notified by anyone from Diversified Consultant. Diversified Consultant has seriously violated FCRA rules by throwing this inaccurate, fraudulent account on my credit report without contacting me first and giving me written notice that they had bought this fraudulent debt and allowing me 30 days to dispute said debt due to ID Theft. Then I would've been allowed another 30 days to received whatever Validation they had and then go from there. So with that being said I have already filed a complaint against Diversified Consultant with Consumer Finance Protection Bureau, now with XXXX and next the Illinois State Attorney General. Diversified Consultant never sent me any written notice of said debt nor allowed me time to dispute it. This account needs to be removed off my credit immediately or I will be seeking legal action against Diversified Consultant and will sue them to the full extent of the law.
Product: Mortgage

Bank sent a letter about increased monthly payment due to escrow adjustment. Letter wasn't delivered. So the difference from old payment to new payment was {$58.00} more and that amount was 9 days late. For this lateness they charged {$45.00} or 77 % of the late amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file Macys has been reporting an account as charged off with a {$470.00} balance. When I called trying to fix my debt I was told my account was NO LONGER with Macys and was sold to collection agency. The agency was XXXX XXXX. Any payments would be owed to the collection agency NOT Macys. 

I received a letter in the mail from XXXX XXXX to resolve my debt so I called the agency spoke with a representative. XX/XX/2020 I made a payment and resolved my debt. I was told I was my balance was now {$0.00} and I am no longer responsible for my debt. The charge off would be removed once Macys is informed. I received my confirmation letter on XX/XX/2020 XX/XX/2020 I noticed that Macys updated my credit file reflecting a new amount owed as if I paid them instead of the collection agency. It continued to be listed as a charge off write off as bad debt instead removed
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX Balance : {$6900.00}
Product: Credit reporting

A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being removed.
Product: Credit reporting or other personal consumer reports

I sent ample letters in to prove that the information that's reporting is inaccurate, I pointed out all the errors and incorrect information and haven't back. As my understanding of they are obligations under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely resolution of this matter but they have failed to do so
Product: Credit reporting or other personal consumer reports

According to the Fair credit reporting Act, I have the right to a completely accurate report, and the bureaus are required to remove any information that is not true, verifiable and inaccurate. My letters were sent 120 days ago and to date they have not deleted the unverifiable information. 

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX failed to provide a debt validation letter. Therefore, I have no knowledge of this debt or have any relationship with this business. Per FCRA 605B, it is illegal to report information on my credit report without my permission. Further, this account is reporting this collection with an " open '' status. This is inaccurate and therefore this must be removed from my report immediately. 

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to XXXX as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against XXXX for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. XXXX has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.