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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to XXXX XXXX until a year or so after because I was never notified, and then the repayments were paused because of XXXX. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the XXXX XXXX decision to forgive these fraudulent loans. 
I have requested that XXXX XXXX remove these lates, but they are no longer in business suddenly, they merged with XXXX, and XXXX says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the XXXX XXXX account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for XXXX XXXX are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, i had rightfully disputed this Target account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

TD BANK USA /TARGETCREDIT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX This violates FDCPA Section 805 ( a ) ( 1 ) Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

Have been trying to remove this account since XX/XX/year>. Fraudulent account due to ID theft, please assist me in removing it.
Product: Checking or savings account

On XX/XX/XXXX I attempted to close my checking account with TD Bank that was opened approximately 2 weeks ago. I attempted to transfer the balance myself the night of XX/XX/XXXX and was locked out of my account and received a message stating that. 

I called on the phone and to either close my account or fix my account to be in a position to transfer the money to a functioning account I must enter into a branch which I am 10hrs away from the closest one and was given only that option. 

Obviously I cant do that and do not have the means to drive 10hrs to close my account and have the funds dispersed to which they said they cant do over the phone either along with being very stubborn. 

I just need my account closed and the remaining balance of {$120.00} sent in the form of a check to my residence which is different from which is on the account.
Product: Checking or savings account

I received a promo code from Chase that I can get a {$900.00} bonus if I open a savings and checking account in Chase and meet the criteria. The term was : opening a checking account and having a direct deposit within 90 days to get {$300.00}, opening a savings account, and keeping a minimum of {$15000.00} balance for XXXX months to get XXXX, once these XXXX are met, I will receive another {$400.00}. 
I was able to receive a bonus of {$200.00} from the savings account. However, for the checking account, I double-checked with the person who helped me open the accounts, and he confirmed that an IRS direct deposit can be counted as a direct deposit. Besides that, I called Chase customer service right after I opened the account, right before the 90 days, and a few days after the 90 days. All I got from customer service was that my direct deposit from the IRS should work. However, when I called the third time, the bonus information disappeared from my checking account. Then I went to the branch where I opened the accounts. I was told IRS direct deposit might not count, and they need to escalate the issue. Later, after a few calls, I was told IRS direct deposit would not be considered as a direct deposit for the bonus. Because of the wrong information Chase employee and customer service gave, I lost {$700.00}.
Product: Mortgage

XXXX XXXX Sheriff Dept delivered foreclosure proceeding for a lost note on XXXX/XXXX/XXXX. The law office handling the case also sent a notice to all tenants on XXXX/XXXX/XXXX pertaining to foreclosure actions which is another case. No resolution or settlement was met pertaining to actions to take place at any time after XXXX XXXX, XXXX pertaining to alleged lost note affidavit filed in Circuit Court as recorded on XXXX XXXX, XXXX. The reverse mortgage originated in the amount of {$300000.00} is a credit line that was not advanced and/or any portion thereof at any time between XXXX and XXXX as alleged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$5600.00}
Product: Mortgage

I have applied for the XXXX XXXX Mortgage modification which is a lower interest rate than the current rate. Mr. Cooper keeps ignoring my requests and will not put this through the waterfall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint via this system in the summer. Transunion was supposed to be looking into the issue ( their previous reply is attached to the complaint from XXXX ). The inquires are still there. There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX  on XX/XX/year> with the dispute reference # XXXX and it was verified it didnt belong to me. Account is still reflecting on my credit report.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX  XXXX XXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I am formally requesting the removal of this erroneous account from my credit report. I did not authorize its creation or usage. Enclosed are the necessary documents to support my claim.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Equifax Information Services LLC for failing to investigate my disputes regarding inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Details of the Complaint : XXXX. Dispute Information : - Account ( XXXX ) in Question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite my repeated submissions regarding these inaccuracies, Equifax has consistently responded within XXXX hours asserting that the accounts are accurate. However, they have not provided me with any evidence or details regarding the nature of their investigation, which I believe is insufficient and violates the requirements outlined in the FCRA ( 15 U.S.C. 1681i ). 

XXXX. Legal Basis for Complaint : - The FCRA mandates that consumer reporting agencies conduct a reasonable investigation into disputes. Equifaxs failure to do so not only undermines my rights as a consumer but also suggests noncompliance with the law.

- Furthermore, Equifaxs actions may violate the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) ), as highlighted in the CFPB 's recent administrative proceedings that emphasize the obligations of credit reporting agencies to ensure accuracy and transparency in their reporting practices. 

XXXX. Requested Action : I request that the CFPB investigate my complaint against Equifax for these alleged violations and take appropriate action to ensure compliance with federal laws. I also seek assistance in rectifying the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I have contacted Nationstar mortgage repeatedly regarding getting rid of my PMI, seeing as how the property meets the criteria. They informed me that I had two 30 day lates in the last year which I did not. I had one which was not late. I paid the mortgage on time but apparently there was a change with the escrow account that I did not receive any notice for. I am trying to contest that, but they refuse to call me back. I spoke to a supervisor named XXXX XXXX initially, and have left 3 messages for him to discuss taking off that late payment due to escrow discrepancy and going forward with my PMI removal. my first phone call regarding this matter was XXXX XXXX, XXXX no one ever contacted me about initial PMI request, which is why I asked for a supervisor and got XXXX XXXX XXXX XXXX who now refuses to return my calls regarding this matter. And even if they do n't remove the one late payment, that should n't have anything to do with removing my PMI. this is just a means to get more money by continuing to make me pay PMI when the property meets the qualifications for removal. Very poor customer service by not returning my phone calls.
Product: Credit reporting or other personal consumer reports

I sent a letter out to XXXX, Transunion, and XXXX. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/23. I even have some hard credit checks that I didnt approve that was done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Mortgage

I closed on my house XX/XX/XXXX, XXXX  payment was due until XX/XX/XXXX XXXXOriginal loan servicer was Guaranteed rate, we were instructed to make the payment to them. At the same time we received a welcome letter from Fifth third bank dated XX/XX/XXXX, that our loan had been transfer to them on XX/XX/XXXX. They sent a billing statement for a XXXX payment as well as guaranteed rate sent XXXX. Per Guaranteed rate transfer date to fifth third bank was effective until XX/XX/XXXX hence the payment was done towards guaranteed rate. 

First payment was submitted to Guaranteed rate on XX/XX/XXXX. We received an email from Guaranteed rate telling us that the transfer was official starting XX/XX/XXXX. Meanwhile fifth third was calling and showing on their account that I hadn't sent a payment for XXXX. I called to explained several times and no resolution was given. 

Starting XXXX all my payments have been made toward fifth third bank. On Monday XX/XX/XXXX, I get a call from fifth third asking if I was planning on submitting a payment for that overdue amount, at that point again I explained the situation to what they suggested contacting guaranteed rate because on fifth third side they hadn't received the money and that i had XXXX  days before they impose late fees and report to credit bureau. 
My loan officer and me got on a call with both banks separately and again no resolution was given. 
Guaranteed rate mentioned they had sent the money under a suspense account and that everything was transfer correctly yet fifth third claimed they haven't seen the money and that they will proceed with late fees and report to credit.Both companies mentioned they have started an investigation to see what they could find. i have provided evidence to fifth third that payments were done. 

Both companies have a discrepancy on their loan transfer date. I have the evidence that all payments have been made. No late fees or reporting should be done under federal law, but fifth third have mentioned that if by end of week they do not have payment they will move forward to impose the late fee and report me. Fifth third has mentioned that if the research they are conducting shows where the money is so they can process it that they will retract the late fees and the credit report. this will still hurt my credit history. 

No company has taken ownership on this situation and I have been under a lot of stress because I have not done anything incorrectly and yet I will be punish on this.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I deposited an extensive check on XX/XX/XXXX, and Citibank froze my account the next day. I have called every day since then, explaining the reason for the check and providing Citibank with the name and telephone number of the person who wrote the check. I also visited the branch with all of my documents, but Citibank still has my account frozen. This is an emotional and financial burden for me and my family. Throughout the holiday I have had no access to my other funds along with the money from the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY