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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Debt collection

I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. This collection did not appear on my credit report pulled XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year, I have been trying to get two XXXX XXXX accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

XXXX XXXX has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

Experian has been provided copies of the written correspondence sent to XXXX XXXX  instructing them to remove me from those two accounts. To this day XXXXXXXX XXXX  has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Mortgage

I went on Covid forbearance due to loss of income for 18 months. I then reached out to Truist to see how I could begin making payments. I was told different things every time I called. One person said that I would received a packet, but all I received was letters requesting repayment to avoid foreclosure, others were requesting income and tax information. I then went to a branch on XX/XX/23 and had a manager facilitate a call with Truist. The call center, XXXX, advised me that I needed to bring my outstanding payments under 18 months to request a deferral. I made two payments over the phone to do so and it covered the following months payment to cover me while I waited to get approved for deferral. I did not received anything regarding a deferral nor did I receive any calls during this time. I then reached out in XXXX to see if my deferral was approved. They said that I had passed the deadline of XXXX XXXX and that I needed to participate in a trial payment plan and loan modification because I no longer qualified for Covid forbearance related deferral. I had requested this in XXXX and I had continued making mortgage payments while I waited to hear from them. I believe that I have exhausted all requirements and should be afforded a deferral without an increase in my term. I feel that my case was mismanaged by Truist from the start and their own incompetence has led to my situation. 

Please advise.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$11000.00} XXXX  XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$84.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX. - XXXX - XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$670.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXX Fin, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX U, Exeter XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. Validation of the XXXX ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; XXXX Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; XXXX will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I XXXX take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved
Product: Debt collection

On XX/XX/2018, I had a procedure done at XXXX XXXX Hospital in XXXX, MS . I was advised that they will bill my insurance and then send a bill for the balance. I received a bill at the end of XXXX for a payment to be made XX/XX/2018. I paid a total of {$40.00} for this month and then began paying {$5.00} per month thereafter. I have been paying each month and XXXX  turned the account over to XXXX. XXXX then started stating the collection is due in full or would be turned over to credit reporting agencies. I responded stating that I could not afford to pay the full balance and that I am paying what I can afford. I have continued to submit these payments each month, but now they have started reporting this as a collection on my credit. I do not feel that this is acceptable when they are accepting and cashing my payment each month and should not be reported on my credit.
Product: Debt collection

I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that amount. She cut me off and did not want to hear anything I had to say. She kept telling me that I was not calling costumer service that this was a debt collection agency and I was turned over for non-payment. That I could either pay it or tell her that I was n't going to pay it and she would not the account that I was n't paying and they would take action from there. I told her that since she was not going to listen to me. That was fine and that our conversation was over. She was extremely rude and aggressive during the entire call.
Product: Checking or savings account

I reported over {$11000.00} fraud to Bank of America FRAUD DEPARTMENT in XX/XX/2023. My money has still not been replaced, and they tried to deny my claim based on factors irrelevant to consumer protection law. None of the consumer protection and FDIC requirements can be met by the merchants, as they have fictitious websites and do not exist.
Product: Consumer Loan

In 2009 I bought a new Scion XD from a Toyota dealership in XXXX, CA. I ended up paying cash for this vehicle, but the dealership never remove the financing options from my contract. Thus, when the title was created it was sent to Toyota Motor Credit Corporation. When Toyota Motor Credit Corp. realized they did not have a lean against my car and received my title by mistake, they mailed it back to the same dealership I purchased the car from without notifying me of the mistake or making any corrections with the DMV. In the seven years I owned the car, I never received any letters in the mail or a phone call or e-mails about needing to make any corrections either. Recently my car was involved in a XXXX. I was XXXX. My vehicle was totaled and while trying to settle with XXXX I was informed that I still had a lean against my car by Toyota Motor Credit Corp. I was then told that I would need to correct this issue first before I could receive any money for my totaled car. I am a struggling XXXX who works almost six days a week with XXXX and correcting this mistake took me over four days of driving to the dealership, a visit to the DMV, waiting for a loan release form to come in the mail, and paying shipping XXXX fees which the dealership did not want to pay ( even though this was totally their mistake. ) The dealership is now saying my original contract has disappeared since it has been so long, providing no real proof that I did or did not pay cash in the first place. Yet the Toyota XXXX dealership did call Toyota Motor Credit Corp and confirmed there was no lean on the car. The Toyota dealer/Toyota Motor Credit Corp. had no remorse of any kind for the inconvenience, hassle, and possible damage to my credit over all these years. In fact, I was told at the Toyota XXXX dealership that this happens all the time! I do n't think this is fair and/or right considering all I did was give them over XXXX and be a loyal customer. 
Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I filed a Police Report for identity theft due to several accounts that were reporting on all three of the major consumer reporting agencies. In addition, I've sent Equifax several letters, correspondence, and copy of my police report supporting my claim, with all the accounts in question listed on the police report. Since all accounts with the exception of one which is listed under XXXX XXXX still remains on my Equifax Credit Report. I sent a follow up letter to Equifax regarding this issue but have yet to receive a response. This account was previously removed and blocked from my XXXX and XXXX Credit report. Equifax continues to violate the Fair Credit Reporting Act by reporting this account which was established without my knowledge or consent to my credit file.
Product: Debt collection

I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD. 

I HAVE XXXX XXXX  XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE  CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY REPORTS.
Product: Credit reporting or other personal consumer reports

The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.
Product: Debt collection

This is a debt that was settled and my mortgage on my home is clear of this debt - the lien is clear as in the attachment you will see all has been cleared. I owe this creditor nothing. There are continued XXXX shipments and letters sent to my home. I have sent them the lien release documentation many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}
Product: Student loan

Recently, I have begun tracking the history of my student loan in depth and I have noticed a few discrepancies. 

First, as of XXXX/XXXX/XXXX Navient took over 10 late payments off of my credit report and my report went up 55 points. I have been living for 3 years, unable to get a car or a mortgage, because of my credit score. I had filed complaints with their Office of the Customer Advocate and with XXXX via the XXXX XXXX dispute feature. 

Second, there is documented occurrences of mishandling of my payments, most recently being the payment on XXXX/XXXX/XXXX with {$0.00} going toward principal. They have been misallocating my money for years. Causing deeper problems than I can quickly fix. They mislead my mom and I for years and werent clear on some terms/due dates around XXXX XXXX. They have caused irreparable damage to me and my family. My mom XXXX in XXXX and my loan went up {$300.00} after they sold the debt to another company. I cant afford to input into society like a normal American because of their exorbitant XXXX XXXX/month and no ability to change it. My balance continues to rise on the student loans. 

Third, and lastly, revisiting the issue of misallocating my payments, I am still dumbfounded as to why my 3 oldest loans are my 3 most expensive loans still. This is due to misallocation from my automatic payments that have been set up. There is no reason these loans should be -17 % of the original balance 10 years later.
Product: Credit reporting or other personal consumer reports

Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.
Product: Credit reporting or other personal consumer reports

I have disputed with equifax XXXX and XXXX and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my credit score even though its been over 10 years
Product: Credit card

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ). 
I kindly request that