23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I reached out to Lennar Mortgage and Lennar Title regarding a loan my wife is trying to close in her name only as we are in the process of getting a divorce. 

I asked Lennar Title to work with the lender to update the Mortgage so my name is not listed as a Borrower on the mortgage. 

Here 's the inital respose I recieved from Senior Escrow Closer/FL Licensed Title Agent, XXXX XXXX XXXX XXXX Please note, they are not showing you are borrower. They are showing your spouse as borrower and you are showing as joined by. 

Thank You! Have a wonderful day! 

Lennar Title XXXX XXXX Senior Escrow Closer/FL Licensed Title Agent XXXX Main Number : XXXX Direct Line : XXXX Fax : XXXX " This is a misrepresentation of the truth. I showed both of them a loan I had recently completed on a house I purchased in XXXX and the loan officer XXXX XXXX XXXX XXXX lied again when he said : " We saw this document yesterday and it was explained to me that the difference is how different states operate. The documents you are being asked to sign are what every non-borrowing spouse signs here. Ive been here for nearly 8 years and helped hundreds of people in your same situation and they have all gone smoothly. Get the verification you need from your attorney but this information is accurate. '' This is also a lie, because the lender I worked with with my loan used paperwork specifically for the state of Florida. 

This is unethical and unprofessional and is an example of how Lennar employs dishonest employees who will lie to customers in order to close loans before the end of the month. I have all emails and will attach them to this case. Please look into this matter so this does not happen to more unsuspecting customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Both accounts were charged off and they received a tax break and did not SEND ME MY FORM 1099-C they should have sent when they Filled the account as a canceled debt. I'm aware per the IRS rules that they are suppose to file that by XX/XX/XXXX. I have yet to receive a 1099-C on either account. The IRS also Clearly defines a charge-off as Gross or Ordinary income per Publication 4681, and INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income ( Publication 4681 ). The reporting of this account as a debt is inaccurate. Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency per the note you have attached to each account. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY on the organization. I requested original documents and procedures from XXXX XXXX, XXXX and Experian because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda. Also per North Carolina collection statue, creditors have 3 years from the date of the last payment to collect a debt.
Product: Debt collection

Tax ID # XXXX Credence Resource Management is using fake names with their off shore call center. They refuse to give ID # for the business as well as refusing to give address for call center so you can file an international complaint.
Product: Credit reporting or other personal consumer reports

Heres a formal letter template asserting your right to privacy under 15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/year> Subject : Assertion of Privacy Rights Under 15 U.S. Code 1681 Dear Sir/Madam, I am writing to formally assert my rights under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), which protects consumers privacy and ensures the accuracy, fairness, and security of personal data in credit reporting systems. 

Pursuant to my rights under this law, I respectfully request the following : 1. Disclosure of Personal Information Please provide a complete disclosure of all my personal information and records being maintained, as required under 15 U.S. Code 1681g. This includes but is not limited to consumer reports, inquiries, and any third parties that have accessed my information within the permissible purposes outlined by law. 
2. Accuracy of Information If any of the information in your records is found to be inaccurate, incomplete, or unverifiable, I demand it be corrected or deleted immediately in compliance with 15 U.S. Code 1681i.

3. Restriction of Data Sharing I request limitations on the sharing of my personal data with unauthorized entities, ensuring compliance with 15 U.S. Code 1681e, which mandates the implementation of procedures to protect consumer privacy and prevent unauthorized access. 
4. Secure Disposal of My Data If certain data retention is no longer necessary, I demand the secure disposal of all such information as per the requirements of 15 U.S. Code 1681w. 

Additionally, please confirm that my data is being safeguarded against unauthorized access, theft, or misuse. If any breaches of my personal data have occurred, I request prompt notification as required by applicable federal and state laws. 

I expect to receive a response to this letter within 30 days, as required under federal law. If my requests are not addressed satisfactorily, I reserve the right to escalate this matter through appropriate legal channels. 

Thank you for your attention to this matter. I trust that you will handle my personal data with the utmost care and respect for my privacy. 

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

Innovis refuses to remove fraudulent information. Innovis continues to deny my rights via fair credit reporting standards. The FTC will mount this complaint, alongside the Consumer Financial Protection Bureau and eventually fine Innovis for the violations against American Consumers it has committed. Innovis is also displaying two accounts as closed when the accounts are open. XXXX credit card and XXXX XXXX XXXX credit cards are both open. My XXXX account has disappeared from a credit report when my account is open with them as well. 

Innovis is reporting XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX   CREDIT as legitimate accounts, when in fact they are fraudulent accounts and need to be removed. 

PDF from identitytheft.gov is enclosed. 

***Identitytheft.gov - FTC official statement has been included in this complaint*** ***Innovis has not responded to any of my disputes or requests for changes to my credit report regardless of waiting 30 days for each dispute/challenge to be completed in their respective cycle. ''
Product: Checking or savings account

In early to mid XXXX ( approximately ), I ordered a debit card from Fidelity for my cash management account. I was supposed to receive the card which was issued by BNY Mellon in mid to late XXXX. However, I never received the debit card in late XXXX. 

On XX/XX/2024, a {$690.00} debit card purchase was posted on my Fidelity Cash Management account with the card I never received. The purchase was made at a store I had never heard of or have any business with. I also never received a notification of card activation either. I then called Fidelity customer service immediately. Fidelity told me that they would be investigating, and would have updates in the next couple weeks. 

I then contacted my apartment 's management office about my possible missing mails. My management office told me that a mail theft has been caught on camera breaking into the mailroom in the middle of the night, and that they had already reported the crime to USPS and called the police. I later also reported identity theft and mail theft to USPS. 

About 2 weeks later, someone claiming to be investigating the case called me. The investigator asked me how someone could use both my debit card and ID card to make the purchase. I was stunned because as a victim of the crime, I have no knowledge on how it was committed. The investigator then asked me if I had ever been to the shop the purchase was made. I told the investigator I have never been there. The Investigator told me that they might reach out if they needed any more information. 

On the following week, I received a letter from BNY Mellon claiming the purchase was valid, and my fraud claim was denied. The letter was dated on XX/XX/2024, so BNY Mellon denied my claim right after the investigator called me. They never reached out to me again for any evidence or documents. 

I then contacted Fidelity customer service again, and they told me that I had to contact BNY Mellon directly which I did. However, BNY Mellon never picked up my phone call. 

On XX/XX/2024, I went to police department to report the crime since both Fidelity and BNY Mellon were unable to resolve my issues. The police department told me that I would need a statement mailed to me from BNY Mellon to open a case, but again, BNY Mellon never picked up my phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company furnishing the information is XXXX XXXX XXXX to Experian, I have Disputed the validity of information on my file however, Experian claims that the information is coming back verified, when I look at all my credit report XXXX, XXXX, XXXX and Experian all of them have very different information so how is it that they are saying that this is verified. Reporting as followed : XXXX : Charge off amount {$0.00} No Late Payment Date Closed XX/XX/XXXX Date Charge-off XX/XX/XXXX Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX Date Charge-Off NO DATE Last Payment XX/XX/XXXX XXXX : No Late Payment Date Closed XX/XX/XXXX No Charge-Off Last Payment XX/XX/XXXX Experian Late Payment 180 Days XXXX Charge-off XX/XX/XXXX Date Closed XX/XX/XXXX Late Payment XX/XX/XXXX How can this be verified by Experian as accurate when all the CRA have different reporting, Also, how is it possible that in XXXX was 180 days late but charged-off years later on XX/XX/XXXX. I have contacted XXXX XXXX and they are claiming that they are no longer reporting this account but Experian keeps saying ints verified with XXXX. Would like this account removed from my credit file for inaccuracy as all CRA 's are reporting inaccurate.
Product: Credit card

I paid off my chase card balance if {$3000.00} in preparation got the XXXX holidays and when I paid the balance XXXX XXXXchase clised my account without my authorization. Now I cant take my family on a XXXX trip. Chase ruined my holidays for my family.
Product: Debt collection

XXXX XXXX XXXX  XXXX account # XXXX, originally a XXXX XXXX  account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give these companies permission to run my credit
Product: Debt collection

According to the FCRA account the account named, NATIONAL CREDIT SYSTEMS has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my Transunion Credit report in the amount of {$6000.00}. The collection has been reported as a past due am

ount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. This company does not have any contract with my signature. Despite this, Transunion has done nothing to fix this false, inaccurate information being reported. They refuse to properly investigate the full accuracy of the information being reported as the law requires them to. I want this false reporting removed and Transunion held accountable for allowing this bogus creditor to put this on my credit report while doing nothing about it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding accuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C5536 a one a BS highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against them for similar violations. Do I request that the CFPP take actions to ensure echo event complies with federal law, improvise consumers with necessary proof of investigation.
Product: Checking or savings account

I had a XXXX XXXX XXXX XXXX account which the bank closed in 2016. It is now reporting out on my credit reports, which I am attempting to clear off negative items. I called XXXX XXXX XXXX XXXX in an attempt to secure a " Pay for Deletion letter '' and pay off the outstanding balance. XXXX XXXX XXXX XXXX referred me to their collection firm : The Best Service Company. I called the Best Service Company to make the same request and offer and was told they can not have items removed from my credit report - I know this to not be true. In addition, the collection agency is saying I owe $ XXXX when the amount reporting on my credit report [ {$310.00} ] - although I do not agree with either amount, I am willing to pay off the account, contingent upon it being removed from my credit report with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains mixed information, showing accounts that are not mine and clearly belong to someone else. These inaccuracies are damaging my credit score, and despite my previous complaints, no corrective action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are TD Auto Fin, XXXX XXXX , & XXXX XXXX XXXX from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Product: Debt collection

XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear [ Name of credit reporting company : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : CAINE WEINER COMPA Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : [ Insert the name of the company, such as the bank, that provided the information to the credit reporting company. ] Type of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine.

I dont recognize the accounts in question.

The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Other [ Describe what is wrong with the report and include copies of any additional supporting documentation that you have. ] Dispute 2 [ Continue numbering for each disputed item on your report and include the same information. ] [ Include the following sentence if you are including a copy of your credit report or other supporting documentation. I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Opened a new " Accelerated Savings '' account with Citibank over the telephone and transferred over {$500000.00} from one of my other savings account at Citibank into the new account. On XX/XX/19 I noticed that I couldn't see my account online at all anymore and I emailed XXXX XXXX who I had opened other accounts with in the past in the XXXX office. I later learned that they closed my account on XX/XX/19 without telling me they were going to close the account and overnighted me a check for the balance of the account plus my interest earned over that month which amounted to {$500000.00}. I reopened the account right away and was able to redeposit the funds on XX/XX/19. Should the funds were to have stayed in the account the interest earned would have been {$220.00}. Citibank tells me that the account was closed because I did not send in a signature card, but that was never requested when I opened the account and there was one on file from my other accounts with the bank. Citibank can review that phone call to ensure that this was never mentioned. Additionally I never received a call, letter or message in the online message center saying my account needed more information. I tried resolving this issue with XXXX XXXX and he was unable to assist since the account was opened up over the telephone.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX