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

On or around XX/XX/year>, I was rear ended by an white SUV in State of New York. A police report was filed stating the drive rear-ended the vehicle I was driving. XXXX XXXX notified Falsely reported to Lexis Nexis, XXXX report, that fault was undetermined, placing false, negative information on my report resulting in higher premiums based on this false report, even when the police report, pictures and other evidence was submitted as proof.

I am requesting, Removal of this false negative information from all credit reporting agencies, including Lexis Nexis, and compensation for loss due to higher premiums due to this false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN you continue to break FEDERAL LAW!! You are lying saying you verified something when you have not. I've verified with everybody who you can verify with, and I will not let this go on any longer. After this, I will no longer go back and forth with your negligence to comply with the laws you are breaking. I will file a FEDERAL COMPLAINT with the United States if this issue doesn't get resolved this time. Since XXXX I have been disputing with proof that bankruptcies you keep saying are verified without proof is not accurate. I demand as the Orginal Creditor/Natural person these accounts US BKPT CT AL XXXX XXXX and XXXX be removed immediately. I will seek remedy if this doesn't get taken care of this time because pursuant to 15 U.S.C 1681a ( 4 ) I have a right to privacy and you are breaking that law. According to 15 U.S.C 1681a ( 2 ) ( i ) report containing information solely as to experience is to be excluded from my consumer report, you are breaking the law. Pursuant to 15 U.S.C 1681a ( k ) this is also adverse to the interest of the consumer, you are breaking the law. 

THIS IS CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE. I will not go back and forth after this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This company is reporting without my consent and I have not done any business with this company. They are reporting as a leasing agency also and I have no rental debt.
Product: Credit reporting or other personal consumer reports

An account I had open with XXXX  was charged off as a debt, I paid it in a settlement agreement with the collection agency. XXXX has refused to report it correctly to Experian for over 90 days. And I have disputed it numerous times through Experian website and it has not been resolved.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Portfolio Recover Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Rec. several calls on my private cell. Talked with Co. 2-days ago. They do not believe me just want $ I did not spend. Do not know this co. Do not owe this debt. they will not leave or give me address to get ahold of them. Or a phone #. I have since found it. They will not talk to me, they just want $ I do not owe them.
Product: Mortgage

I am receiving letters from Wells Fargo stating that I am 5 months behind in my mortgage payments. This is not true. I've checked my account and I have faithfully been paying my mortgage every month. I pay using their mobile banking app and I double-checked and I have receipts for the mortgage. But, their app is not showing the correct balance. They are also still referencing my ex-husband 's bankruptcy in the letters as well. Wells Fargo told me that they would stop doing that, that they recognize in their records that I am the one making the payments. Please make this stop.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$870.00} XXXX XXXX XXXX XXXX Balance : {$6000.00XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$13000.00} XXXX XXXX XXXX XX/XX/year>
Product: Credit card

I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.
Product: Credit card or prepaid card

I have an American Express card. The card due date is usually very close to the XXXX of each month with a little variation for weekends and holidays. American Express has a " please pay by date '' that is not the real due date for the card. Recently they have started including a banner on their web page that explicitly states the account is overdue when the please pay by date has passed, but before the actual due date has passed. The account is NOT overdue but their message explicitly states that you are already past due when you are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fianc at the time bought the house in XXXX, MN together and we were both listed equally as borrowers for the loan, then we got married and in 2015 we had our divorce finalized. I let her keep the house and the very large amount of equity that went along with it. My plan the entire time was to live in it for 5 years or so then sell it for a significant profit. It is now worth well over {$100000.00} more than we paid, I paid the full mortgage myself and all the closing costs and escrow associated with the purchase. I made improvements and I paid the mortgage even after we split up and I moved out. 2 full years of monthly payments is about {$25000.00} plus another {$10000.00} of costs from the sale is over {$30000.00} of real money I put in that I lost from the divorce. The court was being completely female biased and I didnt do anything in the relationship to cause any unfair treatment but I sure got it. They awarded her the house outright as long as she takes over payments its 100 % hers but I dont get removed from the loan? Thats not right. I lost {$35000.00} of money I invested in the property AND the percentage of equity that I should be due that is about pay off and she got a free house. Literally everything paid for for her. Meanwhile Im stuck with almost {$200000.00} of debt on my credit report and I have been destroyed by that. I cant get a car loan or buy a new house because of that debt that is no longer associated with me at all. Its been 8 years since I lived there. She has since remarried and has 2 kids by another man and I cant help but wonder why they are not putting his name on and taking mine off. I dont know how people could look ar the situation and conclude that I should remain on the hook for the loan that I have lost 10s of thousands of dollars to and she has made climbing near to {$200000.00} in potential revenue from a sale. Theres only 2 fair outcomes for this situation. One removed my name from that loan and that loan amount from my credit report right away or she needs to sign paperwork for giving me a percentage of the profit when a sale happens because I have had no financial freedom because of this and have not been able to actually really start over again because of the amount of debt in my name. Im not trying to take money from her I just want this off my report so I can buy a house or car and finally have a chance. I have years of damages from this and it needs to be handled properly.
Product: Mortgage

I would like to make a complaint about SunTrust Mortgage ( now Truist ) On XX/XX/2021, I received notification that my mortgage with XXXX XXXX was being transferred to SunTrust Bank now Truist. ( Needless to say I did not request or wish this but it seems like as a consumer I have no say in who services my mortgage. ) The notification said to expect to hear form SunTrust about how to pay my loan. 

So I waited. Nothing in the mail. No welcome email ... in short, nothing at all from SunTrust now Truist ( can't they even settle on a name? ) Then today ( XX/XX/XXXX ) a curt email from SunTrust saying that oh, by the way, my payment was due on XX/XX/XXXX, and to pay by the XXXX " to avoid a late fee ''. This is despite the fact that according to XXXX, ( and from what I remember on previous times my loan has been sold ) that there is a 60-day period during which my payment can not be treated as late. 

I tried to set up my account online but I didn't know the new account number. I tried calling two numbers for SunTrust, including the one I got from XXXX Neither of them worked- I just got cut off. I tried texting from the web site. The conversation was ended XXXX by them ) as soon as it started. 

Finally, I called XXXX to get my SunTrust account number, set up an online account with SunTrust and made the payment without dealing with a person. ( Clearly, the aim of the website is to make it impossible to deal with a person. ) My anger is about how I ( and presumably others ) have been treated by SunTrust. This is an unacceptable way to treat new customers. At the very least I should have received a welcome letter either electronically or on paper. 

I also wish that it were possible for consumers to be consulted about who services their loans. I did not wish or request for my loan to be transferred in the first place.
Product: Checking or savings account

I OPENED A BUISNESS ACCOUNT WITH TRUIST BECAUSE I WANTED A LOCAL BANK TO BUILD RELATIONSHIP WITH. THIS WAS ON XXXX  NIGHT XX/XX/XXXX XXXX. I HAD A CUSTOMER WRITE A CHECK FOR DEPOSIT ON XXXXXXXX XXXX  XXXX. I WENT TO DEPOSIT AT TRUIST AND WAS TOLD IT WOULD BE XXXX DAY HOLD AS IT WAS DRAWN ON XXXX BANK SO I SAID ILL GO CASH AT MY CREDIT UNION AND BRING CASH BACK. MY CREDIT UNION WOULDNT CASH AS TRUIST HAD PRINTED ALL OVER BACK OF CHECK. I THEN TOLD CUSTOMER THAT HE HAD TO PAY ANOTHER WAY. OF THE {$3500.00} HE COULD ONLY PAY {$2500.00} ON CARD IGUES THAT MY CREDIT CARD PROCESSOR MAY HAVE A LIMIT? HE THEN SUGGESTED XXXX FOR THE OTHER {$1000.00} I HAD TO SWITCH MY XXXX TO TRUIST FROM MY OLD BANK. EVERYTHING WENT THROUGH AND LOOKED GOOD SO THE NEXT MORNING I WENT TO OFFICE TO ORDER BUISNES CHECKS AND CUSTOMERS PAINT BUT I COULDNT LOG IN TO MY TRUIST ACCOUNT ONLINE. I WENT TO BRANCH TO SEE WHY I COULDNT LOG IN AT WHICH POINT TELLER SAID THAT MY ACCOUNT WAS PENDING CLOSED FOR FRAUD!!! I MET WITH MANAGER THAT SAID " IT WAS CONFIRMED FRAUD FROM XXXX AND XXXX ''! I SAID " THIS GUY IS A XXXX  LIVING IN XXXX XXXX HES NOT FRAUDULENT '' MY CUSTOMER GAVE ME THE TRANSACTION NUMBERS FROM XXXX  TO XXXX AND XXXX TO CHASE HE SAID CALL TRUIST AND GIVE THESE NUMBERS TO THEM AND THEY WILL OPEN YOUR ACCOUNT BACK UP AS THESE TRANSACTION NUMBERS CONFIRM THER IS NO FRAUD. SO I DID WHAT CUSTOMER SAID AND THEY COULD CARE LESS I DONT KNOW THAT SHE EVEN WROTE THEM DOWN. TRUIST TOOK MY MONEY HAS REFUSED TO RMOVE FRAUD STANDING FROM MY NAME PREVENTING ME FROM OPENING ANOTHER ACCOUNT THEY SAID THAT THEY WOULD ISSUE A CHWCK FOR MY DEPOSIT XXXX WEEKS AGO, THEN SAID ANOTHER. DAY. I GOT CLOSING STATEMENT BUT NO {$1000.00} MY CUSTOMER IS THREATENING TO TAKE THIS $ {$11000.00} JOB SINCE I HVENT DONE ANY PAINT IN XXXX WEEKS BECUSE TRUIST HIS PAINT MONEY AND MY INTERNET AT SHOP IS NOW OFF BECAUSE I STILL HAVENT RECIEVED THIS. IF IT WAS FRAUD WHY WOULD THEY TAKE IT? WHY SAY XXXX FRAUDULENT OR MY CUSTOMER WHEN THERE 100 % PROOVED THER WAS NO FRAUD. I WAS BROWSING XXXX AND NOTICED UNDER XXXX ADD THAT THER WAS A FEW OTHER SIMILAR THINGS WERE DONE AS WELL. THE ONLY FRAUD IS SEE IS THEM HOLDING PEOPLKES MONEY THAT JUST MADE A DEPOSIT IN THEIR ACCOUNT BYCERTIFIED CHECK, XXXX ETC " GUARANTEED FUNDS '' BUT THE DAY AFTER DEPOSIT ACCOUNT IS CLOSED FOR FRAUD BUT TRUIST KEEPS THE MONEY? XXXX A SCAM IF IVE EVER SEEN ONE.
Product: Consumer Loan

Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete.

accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am re-submitting another CFPB complaint as follow up and an assurance that the EXPERIAN, XXXX and XXXX Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX BUREAU XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I called Experian to have them remove a debt that has been reported on my account since  XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor Experian could remove this item. Knowing the laws and my rights, I was very unsettled to hear that Experian does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General ' s Office of C olorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for Experian to stop reporting this debt ASAP according to  Federal law .  <P/> Account that is past this 7 year record retention is as follows :   XXXX   XXXX   XXXX   XXXX   Acct # :  XXXX  Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and   XXXX    with a s tart date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Product: Credit card or prepaid card

On approximately XX/XX/XXXX, I received my latest billing statement for my Capital One XXXX card. On XX/XX/XXXX, I logged into my online Capital One account to attempt to pay my pill and could not access the account. Instead, there was a statement that my card had been " permanently closed '' and " charged off. '' I have been a customer of the bank for many years. I have never missed a payment. I have never made a payment late. I have always paid my bill in full each month. I telephoned the bank on XX/XX/XXXX to determine what happened and how it would be fixed. The bank was unable to tell me what happened, why it happened, what steps were being taken to correct it, or what steps were being taken to prevent the issue from happening again. On that date, I was told that I needed to file a dispute with the bank and the bank had 30 days to respond. 
I have never met any of the credit card agreement 's justifications for the account to be in default. Those reasons are : ( 1 ) you do not make any payment when it is due - ( I have never missed a payment or made a late payment. I have always paid the bill in full every month ) ; ( 2 ) any payment you make is rejected, not paid or can not be processed - ( I have never made a payment that was rejected ) ; ( 3 ) you file or become the subject of a bankruptcy or insolvency proceeding ( I have never filed for bankruptcy ) ; ( 4 ) you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity ( I have never been unable or unwilling to repay my obligations ) ; ( 5 ) we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us - ( I have never made a false, incomplete, or misleading statement. ) ; ( 6 ) you do not comply with any term of this Agreement or any other agreement with us ( I have never failed to comply with any terms of the agreement ) ; or ( 7 ) you permanently reside outside the United States ( I reside permanently within the United States of America ).

The credit card agreement also states that Capital One " may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. '' I contend that Capital One had no reason permitted by law to close my account. 
As of today XXXX XX/XX/XXXX ), my account is still closed and the bank is still unable to tell me what happened, how it's being fixed, and when it will be fixed. To date, I have spoken with the following bank employees on the following dates : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX Wynta XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/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 ; XX/XX/XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, Experian and XXXX  are still reporting this inaccurate account with different information, which is in violation, delete per violation. Experian reporting high credit as zero, and XXXX  is reporting high credit as XXXX, this is different information, delete this account. In addition, Experian is reporting two-year payment history as unknown and yet XXXX  is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of my credit report.