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

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Product: Checking or savings account

I opened an account at Citibank on approximately XX/XX/XXXX. It was a new account. My sister sent me a XXXX dollar XXXX XXXX XXXX XXXX cashiers check which I deposited on the XXXX of XXXX. Citibank said it would clear in XXXX to XXXX days. Instead, they closed the account suddenly and they are withholding my money. I have returned to the branch approximately XXXX times to find out where my money is. My sister has talked to XXXX XXXX about the check and they told her the check was deposited and cleared by the end of XXXX. I forget the exact date. 

The bank has repeatedly brushed me off and is still withholding my funds, and the account is frozen. I have no access. The branch has been less than helpful, they put me on the phone with the fraud department who always give me the runaround and never do anything. They told me I have to wait XXXX days. I'm not doing that. I want my money back. 

I also have letters from citibank about this process but I can't upload them right now because I am not tech savvy and someone is helping me file this complaint.
Product: Credit reporting or other personal consumer reports

Agreed to a settlement offer from XXXX XXXX XXXX who collects on behalf of XXXX. I made a payment on XX/XX/year> and also XX/XX/year>. I have a settlement letter from both XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX have both zeroed my balance for XXXX back in XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX Accounts : XXXX XXXX XXXX Inaccurate addresses : XXXXXXXX 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 Unauthorized inquiries : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 Experian credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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 the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX, XXXX, PA, XXXX, BANK XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$56.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

XX/XX/XXXX I was involved in a total loss accident that was not my fault. I called the next day and set everything up through XXXX and XXXX XXXX XXXX department. My 1 and only key fob was lost during the tow and trip to the collision department. Somehow the vehicle locked after we retrieved my belongings. During the weeks to follow I was instructed by my lawyers not to speak to XXXX. I did communicate with collision department, and my loan company. I told Flagship credit acceptance shortly after the accident that I couldnt make that last payment. They told me I needed to pay but it should be paid off soon due to the total loss. In XXXX still nothing was resolved and flagship repossessed my vehicle due to XXXX XXXX charging impound fees and XXXX not responding or totaling out my obviously totaled vehicle. In XXXX of XXXX my vehicle was finally paid in full and flagship credit acceptance refused to remove the repo even though they posted the paid in full day to XX/XX/XXXX I kept in constant contact with flagship. They were awful and rude after the fact of being paid off, XXXX the supervisor told me they had no idea I had insurance, even though I had called months prior and another supervisor promised it would be removed after they were paid in full. Please note the car was repossessed before I owed any missed payment so I stopped paying on the vehicle due to losing my job, and this repo hurting my credit. XXXX has completely miss handled my entire claim. I am still waiting for my lawyers and XXXX to finalize my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - 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 XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Credit Bureau XXXX I recently XXXX XXXX copy of my credit report and noticed multiple hard inquiries that I do not recognize nor authorize. As I have not applied for credit or consented to these inquiries, I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : 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 XXXXXXXX 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 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 Reported on XX/XX/XXXX I do not recall initiating any credit applications or transactions that would justify these inquiries. Please remove these unauthorized inquiries from my credit report as soon as possible. 

Under the FCRA ( XXXX XXXX. XXXX ), a hard inquiry can only be listed on a credit report if it was initiated by the consumers request for credit. I am formally disputing these inquiries and demand that they be removed immediately. 

Thank you for your prompt attention to this matter. Please send me confirmation once the investigation and removal are complete. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Applied for a home mortgage thru Quicken Loans ( Rocket Mortgage ) in early XXXX this year. I was contacted by XXXX XXXX and I explained what I was trying to accomplish. I needed a conventional 15 year loan with 20 % down ( {$150000.00} home value and me putting down $ XXXX ). My son and his family were to be my " renters. '' XXXX told me no problem, that my loan was approved and to proceed in finding the house. We used their real estate agent and followed all the rules and procedures asked of us. It wasn't until XXXX was off that XXXX XXXX contacted me with an email telling me that an offer I had submitted on a house was accepted and it was during this process I found out that Quicken Loans now wanted 25 % down to get my loan. They baited me and then moved the goal posts at the last minute. I wasted 6 weeks and now I have to go thru another mortgage company and start from scratch. My wife and I have credit scores above 800 and own our home. I'm confused as to why they are allowed to do these types of practices. I'm out {$150.00} for a contractual obligation to the owner of the house who took his home off market.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I have been in good standing with my student loans since I graduated with my XXXX in 2001. I have been paying student loans with interest for over 20 years. I had XXXX and XXXX loans. 

Since the Income Based Repayment plans were announced, Ive been on that plan and its saved me because I dont make much money ( Im presently a XXXX XXXX XXXX ). 

However, since Biden has announced relief and this PSLF waiver which I completed, my service provider - American Education Services- recently stated to send me emails which report I wont qualify for earned loan forgiveness due to my loan status unless I consolidate my loans further m. But, if I do that, my provider tells me I wont be allowed to stay on the Income Based repayment and my payments shoot up to more than my mortgage. 

I also already DID consolidate my loans through my service provider American Education Services and presently only have one monthly payment. 

American Education Services did not provide information about the student loan relief until recently, it didnt say why my loans were excluded from COVID relief until recently and now it tells me I have to get off my IBR plan before XX/XX/XXXX or I wont receive loan forgiveness. 

Despite my working at non-profits my whole life and paying my loans for over 20 years and yet now owing XXXX of XXXX more than I did before, it seems there is no way Ill ever pay these loans off. I should have been an investment banker, I guess.
Product: Credit card or prepaid card

On XX/XX/18, I opened a Sears card and charged XXXX to it. I never received my card or any statements. I went to my local Sears the end of XXXX to pay my card off, and there was no account under my social security number. Then in XXXX, I got a notice from a collection agency stating I owed {$2600.00}. I called them right away and told them I never got my card and I believe somebody was using it since I didn't charge that much. The collection agency launched an investigation. Again, I went up to Sears to pay and they had no account under my social security number. I called the collection agency back to pay and they no longer had my account as they launched the investigation. Finally the end of XX/XX/2018, I was able to pay my debt in full ( {$2100.00} ) but now I discovered that my credit score took a major hit for this. If Sears would have sent me a statement or let me pay at the store, it would have been paid sooner. But since they went through a collection agency, they ruined my credit even though I paid in full right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep on saying that the item displayed on my credit report are correct!! The account is not a charge off, it's a government funded loan.. I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXXXXXX XXXX XXXX****
Product: Mortgage

Hello, I am writing to you today in hopes that you can assist me in this very stressful time in my life. I have been working with PHH in regards to the sale or my property located at Property Address : XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I have been applying for a short sale review on my property. I was behind on the mortgage due to a very difficult divorce and tenants being in the property that were not paying rent. For years I tried to sell the home and I was unable to because my ex wife was not cooperating. I have asked for assistance help from PHH but they do not want to offer me any loss mitigation options except to foreclose or for me to pay all the money that is owed and bring the account current. This is something unobtainable as I do not have that kind of money. They have been bulling me for months, A lot of their employees are located in XXXX and cant even understand New York laws they keep saying we cant help you because of a new law. I have spoken to several friends and family who were also affected during covid and they have also said they live in new York and their bank have been more helpful. 

I do not understand why I can not be offered the same consideration as others in my state there were some foreclosure sale dates, I had to hire an attorney to stop on my behalf. They are not working in good faith they are looking to foreclose on as many homeowners as possible although we have buyers and have followed the guidelines. Even when my realtor and negotiator was reaching out to them they respond and don't even include any loan number any reference what files are being address so the consumer is not aware of what is being spoken about is very generics the people they have working for them. 


I really don't want a foreclosure to tarnish my credit yes, I am aware I did not pay the mortgage but it was based on circumstances out of my hands the buyer is giving an offer at their appraisal value and they refuse to even consider it. I tried going through their foreclosure attorney and they just keep giving me the same run around. I am looking for some help please this is very stressful and covid was a very difficult time for us all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXX instantly. 
As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Express 's FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XX/XX/XXXX, the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasn't been equal consideration.
Product: Debt collection

On and above date, ( XX/XX/year>. 
I received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. 
The original creditor : Springleaf Financial Services , Inc. In the account summary report, starts, the original date with original creditor was : XXXXIn this matter, Virginia 's statute of limitations, has run out.