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

XXXX, TransUnion, and XXXX are reporting a credit account from XXXX XXXX  that does not belong to me. This account and balance do not belong to me, and I have sent documentation multiple times. It is fraud and identity theft, and they have not resolved this matter within the allowable 30 days. I have also sent all identity theft and fraud reports, along with a letter from XXXX XXXX  advising them to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

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

In XX/XX/year> I was doing a refinance on my home. XXXX and I got on a three way call contracted Citi Shop Your Way card services. Together we obtained payoff information and final balance XXXX. I closed the home loan received the cash sent Citi card the full amount and have substantial proof from the bank and transit information. Citi says they dont have the payment and have no transaction history on that account since and insist I owe them and they are unable and unwilling to accurately fix or discuss this situation and resolve and fix my credit reporting information and they Keep hanging up on me each time I call and have to keep repeating my situation without any resolution.
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 on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 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: Student loan

I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.
Product: Credit reporting

Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've corrected this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank concerning a series of issues that have left me in a challenging situation with my account. I set up a bank account with Truist Bank in late 2023 with the intention of receiving a check from a family member to fund my return to college after an extended break. 

On the third day after depositing the check, I received notifications via email and mobile indicating that my account had been locked due to alleged fraudulent activity. Upon visiting the branch, I was informed that the account lockout was linked to an issue involving an outstanding debt of no less than {$150.00} to a different bank, dating back almost ten years. I was provided with the number XXXX to submit a consumer report, which I promptly did. 

Several weeks later, I received the consumer report in the mail and brought it to the branch. Despite multiple visits and discussions with Truist Bank associates, the issue remains unresolved. I have been denied access to my account, which holds a significant sum of {$5000.00}, and I am unable to withdraw funds. The ongoing investigation has persisted for five months without a satisfactory resolution, putting me in a position where legal action may be the only recourse.

I kindly request your immediate assistance in addressing this matter and ensuring a swift resolution to the ongoing investigation. This situation has caused undue financial hardship and has hindered my ability to continue my education. Your prompt attention to this complaint is greatly appreciated. 


Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was informed over the phone on XX/XX/XXXX, while trying to log into my bank account and not being permitted, that my bank involuntarily closed my account. ( I later surmised this actually was initiated on XX/XX/XXXX, due to an email regarding my XXXX email was being removed bc the account is being closed ). I only received official notification by mail on XXXX XXXX 13 days after this business decision was made. ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have called my banks dept that handles this and continue to be told XXXX days I will receive a cashiers check with my funds. My account balance was over {$7000.00} at closure and its been NESRLY a month and the bank has not sent my money! I HAVE bills to pay IMMEDIATELY and I need MY MONEY to do this and its MY MONEY. WHAT IS THE ISSUE?!? SOMEONE HELP ME IMMEDIATELY BEFORE I LOSE MY HOUSE
Product: Mortgage

I have not as yet received my annual property tax check from BB & T dba Truist. 
Normally I receive the check in the third week of XXXX. This has been the case since XXXX. No check has been forthcoming for XXXX. My property taxes are due nlt XX/XX/XXXX. 
I called BB & T/Trusit just before Christmas XXXX and was told the check would be mailed that week. 
On XX/XX/XXXX no check had arrived so I called again. I was told that the check had been mailed but would be cancelled and a new check mailed. 
On XX/XX/XXXX no check had arrived and I again called BB & T/Trusit. I spoke to customer service agent XXXX and was informed that again the check would be cancelled and a new one mailed. 
On XX/XX/XXXX still no check had arrived and I called again. I spoke to customer service agent XXXX who informed me that a request to cancel the check had been placed in BB & T/Trusit 's system on XX/XX/XXXX, had been actioned on XX/XX/XXXX and that the check had been mailed directly to the local municipality. I informed XXXX that was not the usual process, that the check was normally mailed directly to my home address and then I would then pay the property taxes myself. I further explained that the check provided by BB & T/Truist rarely met the property tax bill and that I would pay the remainder out of pocket at that time. Sending the check directly to the municipality would probably not meet the bill and leave me in arrears. I asked to speak to BB & T/Truist 's tax department but was told that was not permitted. She placed me on hold while she escalated the matter to her supervisor. After being on hold for 17 minutes she advised me that her supervisor was not available and would call me later on XX/XX/XXXX. No call was received from any supervisor. 
On XX/XX/XXXX I again called BB & T/Truist and spoke to customer service agent XXXX. I went through the whole matter again with her. She placed me on hold while she escalated the matter to her supervisor. After being on hold for approx. 12 minutes she advised me that no supervisor was available as they were all in meetings. She offered to have her supervisor call me later this date. I requested that she do so but also explained that I was submitting this complaint to CFPB, HUD and any other government mortgage regulatory agency I could find. Having heard that XXXX asked me to repeat which bodies I intended to submit my complaint and I obliged her. 
I would respectfully request that this matter be investigated and that any results be shared with me. Thank you in advance for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Product: Credit card

XX/XX/XXXX I opened a Synchrony loan for a Laz-y-boy purchase worth {$5000.00}. I paid {$2500.00} cash - so the loan amount was for {$2500.00}. I had 3 years to pay it off at {$62.00} per month. On XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$1500.00}. The payments remained at {$62.00} per month until XXXX. I continued to make the payments, however, due to having more than one Synchrony account ( all closed except for XXXX, I became confused and paid into an account that was already paid off. I could not understand why Synchrony was saying I was late on a payment as they had received it, but placed it first into the wrong account and then switched the payment to the correct account. I called them to get the late fee removed as they had the money in full. I will be happy to send Synchrony statements showing the series of payments as well as bank statements. When they would not remove the late fees, I contacted XXXX XXXX. My attorney wrote many letters to Synchrony and eventually he received a letter back stating the late fees would be removed ( I have a copy of that letter as well ). The late fees were never removed and XXXX XXXX said that any further correspondence with Synchrony would have to be done through a lawsuit which I could not afford. 
In XX/XX/XXXX I paid off the entire amount minus the late fees which I do not see myself owing. They continue to this day to charge me for the late fees and making my credit score, which was very high, to continue to drop.

I have tried to call Synchrony many, many times and I end up talking to people in other countries who will tell me I have the wrong department and transfer me. Today, I hung up when it came to my 5th transfer and no resolution to my problem. 
I need help.I have many, many documents and statements. I didn't attach them as I don't know how much you can receive and if this federal agency is even going to see this. Please let me know and I will be happy to send the,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX Payment Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Worst Delinquency Charge Off/Other Derog Balance {$1300.00} Credit Limit XXXX PAYMENT HISTORY XXXX XXXX Experian Open Date XXXX, XXXX XXXX Activity Terms 39 Months Scheduled Payment High Balance {$1600.00} Loan Type Other Responsibility Individual Company Name XXXX XXXX Account XXXX XXXX Comments Account Previously In Dispute XXXX Now Resolved - Reported By Subscriber
Product: Mortgage

I am writing in regards to my account which was recently transferred to Huntington Mortgage Co. I was not notified prior to the transfer and my loan was on auto pay prior. Since I was unaware of the transfer I couldn't make sure to transfer the autopay. I was only made aware once my account went delinquent in XX/XX/2021. I made the payment immediately and set the autopay up so this does not happen in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am certifying and contesting that this letter has been sent with my free Will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$1400.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX - BALANCE {$1900.00} Unauthorized inquiries XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This. Milestone credit card is not mine. Never open this account and thay want me to pay it. And the destiny credit card is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}
Product: Debt collection

I took two XXXX classes with the University XXXX XXXX. I only took the two classes and only authorized a loan for the two classes in XX/XX/2009 ( XXXX and XXXX ). I advised them that due to my work schedule I would only be able to do the two and not able to continue with online classes due to the fact my work schedule was too demanding and I was struggling to complete the two classes I agreed to. Also I had found out that I was lied to by the University XXXX XXXX about graduation rates and successful job placement. Prompting my withdrawal from the school. When I looked at my credit report the amounts being charged to me where not as discussed by the advisor and I. I continued to try to resolve the problem with the University XXXX XXXX with no one being able to help with the issue and telling me to contact the loan company Navient. When I would contact Navient I would get rhe run around, different numbers to call, numerous people to speak to. Resulting in mostly answering machines and no response back. I recently had my income tax offset due to this, when i called Navient to demand a breakdown of the original loan, I was denied the information of the original loan. I am now being charged over {$5000.00} dollars for two online classes from the University XXXX XXXX and has been broken into two separate balances on my credit report.
Product: Debt collection

I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables XXXX XXXX XXXX XXXX XXXX sent XXXX claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX  - {$10000.00}
Product: Credit card or prepaid card

In XX/XX/2018, Chase Cardmember services closed my credit card account, which I've had for more than 5 years and have always been in good standing with with no delinquencies. The reason they gave verbally and in writing was " only merchandise credits have been used to satisfy the balance on your account for more than 2 months ''. 

In this day and age of e-commerce where you may need to purchase a lot of items to keep one ( and then need to return the rest ), I believe this is an unfair practice. I also question whether it is legal to deny me / rescind credit for solely reason. I also believe that my credit score may be negatively impacted as well ( ratio of outstanding balance to available credit ).