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

On XX/XX/XXXX, I spoke with a representative of Equifax that submitted a dispute on my behalf regarding EQUIFAX MORTGAGE SOLUTIONS. The confirmation number that was provided is XXXX. As of XX/XX/XXXX, well past the 30 days allowed by the Fair Credit Reporting Act, I have not received a written response by physical mail or e-mail from them regarding the status of my dispute. 

On XX/XX/XXXX, I called Equifax, after reviewing my credit report, to have some additional inaccurate and/or outdated information removed from my file. I, first, spoke with XXXX. He assisted me with submitting a complaint to have incorrect addresses and employers from my file. He, also, assisted me with regaining access to my online account with their company and then we disconnected the call. After logging in, I went to review all of the disputes that I had opened. I noticed that they all had a resolution, some that I may not have agreed with ; however, one in particular didn't have a status update. I noticed that it was dated as submitted on XX/XX/XXXX. I'm instantly alarmed due to the fact that I'm sure they are aware of my rights as a consumer as the history of this company dates back to the 1800s. 

I called back to speak with someone about my new findings. I spoke with the representative, XXXX, around XXXX. After asking a few questions to ease my confusion, this representative began to argue with me in attempts to defend the reasoning of why this open dispute still reflects on my credit file 18 days after the allotted time that the FCRA provides credit reporting agencies. After about 5-7 minutes I asked for XXXX XXXX name and ID number for my own personal records. She gave me her name, but she questioned my reason for request of her ID number and declined to give it to me. I informed her that I would be submitting a complaint with the CFPB due to their negligence. She insisted on trying to provide me the phone number to contact Equifax 's dispute department. After my declining, XXXX decided to just silence her phone. I then placed her on hold to contact the Attorney General for additional assistance with this matter and she stayed on the line, in silence. I ended up ending the call with her at XXXX. According to XXXX XXXX argument, Equifax has more than 30 days to resolve disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
Product: Credit card

In XXXX, 2023 I received a letter from XXXX XXXX XXXX XXXX on behalf of CitiBank N.A. 

On XX/XX/2023, I sent a detailed letter requesting the following : XXXX. Certified copy of the XXXX contract or agreement between XXXX, CitiBank, and I ; XXXX. XXXX ' business license, showing that they have the authority to do business in the XXXX of Ohio ; XXXX. XXXX ' Debt Collector License in the XXXX of Ohio ; XXXX. Complete payment history between me and the alleged Original creditor XXXX. The Original Purchase Agreement that shows XXXX legally owns the alleged debt. Including all of the terms and that are included in the purchase agreement ; XXXX. The age of the alleged debt ; XXXX. A calculation of whether the Statute of limitations has expired for collecting the alleged debt ; and XXXX. The last action taken on the account for the alleged debt. 

I sent this letter Certified Mail - Return receipt requested. XXXX XXXX : XXXX. XXXX received the letter on XX/XX/2023 at XXXX am. I received the return receipt, Receipt No. XXXX. 

Today, XX/XX/2023, I received a letter from CitiBank, attempting to validate an alleged debt that they are having XXXX collect on their behalf. They only sent me a stack of credit card statements, and included that since they - CitiBank- is a national bank that they are not required to hold a debt collection license. 

" To the extent you asked about our authority to collect this debt : As a national bank, we are not required to hold a debt collection license. '' I never asked CitiBank to validate my alleged debt, nor were ANY of the demands in my letter addressed to CITIBANK, but to XXXX XXXX XXXX XXXX, a separate third party entity. 

CitiBank then claims to have provided everything to me that their third party debt collector is required to provide, when they clearly haven't and consider this alleged debt as valid.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My right to privacy, as outlined in 15 U.S.C. 1681 ( a ) ( 4 ), has been violated multiple times, and I want to clarify that I have never provided written authorization for the disclosure of certain transactions, as required by 15 U.S.C. 1681b ( 2 ). Additionally, my personal information, including my credit card and Social Security number, has been used without my explicit written consent, which violates 15 U.S.C. 1602. According to 15 U.S.C. 1681s, it is your responsibility to take immediate action to correct these errors. XXXX, XXXX, and Experian have also failed to ensure the accuracy of the data on my credit report, as required by 15 U.S.C. 1681i ( b ).

In line with 15 U.S.C. 1681c-2 ( e ), Im requesting that these inaccurate accounts be removed from my credit report within 4 days of filing my identity theft report, instead of the usual 30-day period. Id also like to stress that the unauthorized use of my credit card, as defined by 15 U.S.C. 1602, has provided no benefit to me as a consumer, as outlined in 15 U.S.C. 1681s.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back. 

When I disputed this with XXXX, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX  with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '. 
Repeated attempts to engage them on their website have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the last credit report I got from Experian it states that an account that I allegedly had with XXXX  XXXX XXXX went into a charged off status in XXXX XXXX and this is false.
Product: Checking or savings account

On Friday, XX/XX/2021 someone was able to " append '' themselves to my wife and I checking account on Chase. This person pulled from our ( wife and I ) checking account {$18000.00} and from my step-sons account {$1300.00}. As soon as we found out we reported the incident to Chase as a potential identity theft case where my wife was the victim because it seems that they used her information to access our funds. What CHASE did was to open an Identity Theft claim case and supposedly sent us some paper work to fill in. 
Today XXXX, XXXX almost a week after we filed the complaint ( on Saturday the XXXX since that's when we found out about the issue ) with them we have not received the documents. Our claim is not being worked on, {$19000.00} were transferred to a scammer without a single notification to us as the owners of the account. Not a single phone text, email, nothing, in total silence. Because we did not know about this, we also made purchases and ended up getting overdraft and charged a {$34.00} fee by CHASE. 
The transactions appear as " Phone Transfer ''. We have never made this sort of transactions before. In addition, I noticed that in their mobile app you can now open an account with your phone. I wonder if this new software update allowed a scammer to create accounts with an information stolen without having to go to a branch. 
CHASE has been absolutely shady about this with us. Nobody seems to understand what's going on. We have the routing number and the account number of this scammer since my wife was able to see this new account from her login. Look how poor security CHASE have. 
Please, we need help. We called the police and the police can not file a report because they do not have the bank paperwork that is supposed to arrive before they can file a report. Too much bureaucracy and this family needs the money which is being held by CHASE. 
I thought that belonging to a big bank was going to add a protection but after being a customer for 10 years and having also my business account with them, Chase has not shown any appreciation for me and my family. 
I can submit more evidence if requested. I have screenshots of my wife 's login and the ability to see the account that stole the money from us and how the owner of this account split the money across multiple other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXXXXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful examination of my credit report from both XXXX and Equifax, I noticed several inaccuracies and notified XXXX and Equifax. My original request to challenge the accuracy of information report on my credit report was mailed to XXXX XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts, inquiries, addresses on my credit report that has nothing to do with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are all fraudulent accounts. Some accounts are not even reporting to all credit bureaus.
Product: Mortgage

I relocated to Tennessee this year and started construction on a new home which was and is my first home. After applying for FHA loans through a few lenders I decided to accept a mortgage with Highlands Mortgage. I was in constant communication with their staff via e-mail and phone. E-mail was the primary. Throughout the process we discussed rates and expectations. We settled on a closing date of Friday, XXXX XXXX and i requested that the final closing be given to me at least 3 business days before close as per the CFPB website. I was given various draft closing disclosures prior to the close that were inaccurate and was told not to worry as they were not final. The lender advised me constantly that these were preliminary and not final. I requested the final closing disclosure numerous times in writing before Friday, XXXX XXXX. On Thursday, XXXX XXXX I had extensive e-mail communications with the lender where i demanded the final figures and was told that they were still working on it. I had a real estate attorney prepared to review the disclosure to make sure that all was in order. The lender sent me the final closing disclosure at XXXX XXXX on Thursday, XXXX XXXX when the closing was at XXXX XXXX the next day. I had less than 12 hours with no sleep from packing to review and could not get them to a professional to review. My apartment was packed and I had to proceed after using the tools on the CFPB website to make sure that all was in order which it was not as after the close the lender and the closing agent called and e-mailed me to amend the documents a few weeks after the close. When i advised them that I needed time to review then changes they were proposing they threatened to pull back the loan on the house if I did not move quickly to execute the updated closing documents. I have all these communications and exchanges in writing since i would not take phone calls anymore due to the threats. Lastly my wife signed documents with me at the close although i 'm the only XXXX on the note. She was supposed to be quick claimed to the deed so that we are both on the deed. I have called the town twice to get a copy of the deed and I am the only XXXX on the deed. i have followed up with the lender and closing agent in writing three times and they will not respond nor take action to correct the deed as agreed upon
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Collection Account I am writing to formally request the removal of a collection account listed under my name. The account in question is as follows : Creditor Name : XXXX XXXX  Account Number:3XXXX Amount : {$850.00} Creditor Name : XXXX  Account Number : XXXX Amount : {$4600.00} This account is either inaccurate, unverifiable, or was reported in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have not received proper validation of the debt from the collection agency, and as per federal law, the item must be removed if it can not be fully verified within a reasonable timeframe. 

This is my third attempt to get these fraudulent accounts removed that are inaccurately reporting on my credit report, I am now escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. 

Please provide written confirmation of your actions and the steps taken to correct this matter. I expect a response no later than XX/XX/year>. Because this is the third time contacting you on this matter. You have disregarded my disputes both times with no changes to my report. Causing distress to me and my family. If this continues I will be forced to pursue legal action. 

Failure to comply with this request will result in me exercising my full rights under the FCRA, including legal action if necessary. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear Experian Dispute Department, This letter is to formally dispute the fraudulent account appearing on my Experian credit report, attributed to XXXX  XXXX XXXX account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that Experian conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my Experian credit report. 

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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my balance with synchrony Bank last month I called them multiple time for them to resolve the matter with a letter explaining that my balance is {$0.00} still didn't receive a letter and the problem still not resolve. My credit score report drop significantly and showing serious delinquency because of this matter I need it to remove ASAP because I do not owe that bank anything and it impacted my credit score severely.
Product: Credit reporting or other personal consumer reports

There is an unauthorized and inquiry without permissible purpose from listed on XXXX, from ONEMAIN ; category " Personal Loan Companies '' and XX/XX/2024. Please have this removed from my report as any inquiry outside of my authorization is a means of fraud and XXXX, XXXX and XXXX have to maintain Consumer 's Report 's with accuracy and maintain the Consumer 's rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, XXXX, XXXX and Equifax I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to XXXX, XXXX and Equifax send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : XXXX XXXX XXXX  XX/XX/XXXX needs to be removed not authorized by me XXXX  XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me Equifax US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Equifax is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been fraudulent inquiries reported on my credit report that do not belong to me. These inquiries were not authorized by me nor done by me and i want them removed as soon as possible. 
Inquires : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recents CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax continue to report a bankruptcy that is not valid. XXXX states they have deleted this information due to it being incorrect so how was it that the credit bureaus verified this information? I would like the credit bureaus to provide the evidence they have used to validate these bankruptcies.
Product: Mortgage

A few years ago, I was advised to prevent foreclosure, I had to accept a loan modification. I was advised there were no other options available. 
I have recently discovered that the modification added a {$50000.00} balloon payment to my loan. 
I was never made aware of this additional balloon payment. 
I filed chapter XXXX and completed the repayment program as designed During the bankruptcy, my loan was transferred to a different company. 
When I asked about the additional {$50000.00} added to my loan, I was informed that all they had was one page signed by me for the modification. 
I asked them to review that and please remove it as I was never informed or was I behind {$50000.00} in my mortgage. That was denied as they only took my loan from the previous company and will not review it. 
I am also not being provided any information that my bankruptcy payments were applied correctly. 
I feel that I was deceived by the mortgage company and was not made aware of these predatory lending practices I also feel I was taken advantage of and mislead because I am a single female.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX