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

I was on XXXX looking into my credit and applied for a loan I was referred to Lexington Law I declined the service but I had entered my account number and routing number when I was on the loan site but never was on Lexington Law site they called me several times I declined the service they texted me several times I replied stop as the text said if you wanted to not be texted again and about a week or two later they took {$26.00} out my account they never did any service for me and I never had even talked to anyone from there company I called them to get my money returned the lady was very rude and told me I owe them money and hung up on me when I told her I was reporting them for ripping people off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXXr account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.
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. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Reference Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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.

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 inaccurate.
Product: Checking or savings account

I opened a new Truist checking account in XXXX online as required to qualify for a new account {$400.00} promotion the TRUIST site timing out after several attempts to open and I called the Truist XXXX customer service line and was instructed to go into the branch and open the account as I did and banking agent was aware of what had transpired and gave promotion code XXXX to representative at the bank was aware After sometime had passed I had not received the promotion in my account so on XX/XX/year> I called the call center and spoke with a representative XXXX explaining situation again with promotion code reference no XXXX he noted my account to resolve this problem by advising a banking rep would be reaching out, he noted all of this with an explanation and call back request complaint I filed with him.I have followed up continuing to monitor my account and calling back often. 
Called the branch today and she saw that they said I was not qualified for this promotion which even she agreed I was and she told me she was going to file a complaint with the upper Truist Bank management to resolve this as I now have 5 accounts with substantial balances and in this bank that Im closing over this and go somewhere else because they are not honoring promotions they are scamming for new customers money.I have filed numerous complaints with the call center with the branch and with the promotion supervisors they refuse to rectify this situation. I guess they wan na lose a good new customer and relationship over {$400.00} I dont want to see any others fall victim to TRUIST BANK NEW ACCOUNT PROMOTIOM scam like I did. I am fully qualified for this promotion and did all requirements that were requiredincluded two direct deposits each month so many transactions as required so many transfers and all the different things that were necessary for them to honor this promotion. 

Please call me for more details XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.
Product: Credit reporting or other personal consumer reports

After looking over my credit report, I noticed multiple accounts that are either misreported or not mine.
Product: Credit card

I scheduled a payment from my XXXX XXXX XXXX XXXX account for XX/XX/XXXX to my XXXX Credit Card administered by Goldman Sachs in order to satisfy a payment due date of XX/XX/XXXX. That payment was initiated on XX/XX/XXXX and confirmed received by Goldman Sachs on XX/XX/XXXX as documented by XXXX  XXXX XXXX and acknowledged by Goldman Sachs. The payment was then posted to my account on XX/XX/XXXX which was after the payment due date and considered a late payment. Goldman Sachs applied interest charges as a result of the posting date of XX/XX/XXXX which I would not have incurred had the payment been posted when received. 
The explanation from the Goldman Sachs customer representative was that the XXXX XXXX XXXX caused the received payment to be posted to my credit account on XX/XX/XXXX, XXXX days after receipt, which was after the due date causing interest and late fees.
Product: Debt collection

I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the ERC Collections account. This is not my accounts. 

I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. 

However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Product: Debt collection

The bureaus still havent removed the fraudulent collection account from my reports, despite it being the result of identity theft. Ive provided all necessary information to resolve this issue, and its unacceptable that it remains on my credit reports. I need this account removed immediately from all bureaus.
Product: Debt collection

This company claims I owe them nearly XXXX dollars and its hurting my credit score. Ive tried to dispute it as I do not owe this company anything. I asked for them to please send paperwork stating why I owe the said amount and to please verify that their information is correct and I explained how Id like proof. No proof was sent over. As a matter of fact the company was unable to pull up any information on their end. 
Please delete this account from my credit reports, all three bureaus please. 
I am tired of being ignored. I am tired of my disputes being ignored. I want proper verification and they refuse to provide or delete from my credit profiles
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax and XXXX  credit reports it shows a bankruptcy from 2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither Equifax, nor XXXX  will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen
Product: Mortgage

XXXX Mortgage servicer : XXXX, XXXX I requested to be mailed a paper statement each month since their website does not allow me to see any information regarding my account. They also do not report my mortgage to any of the three major credit bureaus. I made the request for the above two items. They stated because I had filed for bankruptcy in XXXX ( XXXX XXXX ) and the home was never included in bankruptcy, that they will not mail me a paper statement or report my mortgage to the credit bureaus. They told me to send a letter to their correspondence Dept which I will do. They will not talk to me however, but only through mail. And it will take 30 days to respond to me. I do not understand why they cant do these two requests since I have had other mortgage service companies prior and our bankruptcy never prevented my ability to obtain a monthly statement or for them to report to the credit bureaus. Please advise what recourse I have. I deserve to be able to receive a paper statement from XXXX and for my payments and payment history to be reported to the credit bureaus. 

Their correspondence department address : XXXX XXXX Correspondence Dept XXXX XXXX XXXX XXXX, CT XXXX Thank you.
Product: Payday loan, title loan, or personal loan

In XXXX an account was opened fraudulently for {$12000.00}. 
I have completed a fraud packet, with a notarized affidavit. As soon as I could get a full police report, I provided that as well. 

SoFi has reported my account delinquent even though it is still in fraud review. 

I have been trying to speak with someone in the fraud department, but I am not getting return calls for the messages that I leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan that was paid off is reported incorrectly by XXXX of XXXX credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today XXXX  XXXX XXXX  XXXX  XXXX, for a XXXX  XXXX XXXX shows the following : XXXX- XXXX XXXX- XXXX  Experian- Paid Please remove this incorrectly reported closed account from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Product: Credit card or prepaid card

I asked to close account back in XXXX. AMEX did not. Now they charged me {$75.00} in XXXX. Please remove the charges and remove me from collections!! 
Follow up with me by letter!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On or about the end of XX/XX/2019, I received a line of credit at Tennessee Quick Cash. My limit is about {$3000.00}. The problem is that I'm making almost {$800.00} per month payments and less than {$100.00} is going to principle. This is usury and I'll never pay this off. 

They are taking on HIGH daily interest as well as a " customary fee '' which is 90 % of my loan payment. I don't even know what this is or means. It's not categorized as interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I called Fifth Third Bank and asked that they verify a balance they say I owe but they said this balance was sold to a third party collector regarding a collection balance of {$2900.00} I contacted XXXX XXXX XXXX at XXXX but a representative confirmed that there is no debt in their system with my social security number nor address. I am requesting that you help me confirm that this debt is not mine and so that I can get the credit bureaus to remove this debt.
Product: Credit reporting or other personal consumer reports

Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Remarks ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Details Payment Status Pay Status >Account Paid in Full ; was a Collection< Date Closed XX/XX/XXXX Last Payment Date XX/XX/XXXX INFORMATION UPDATED : In response to your request, a change was made to this item ( XXXX ).
Product: Credit card or prepaid card

In XXXX XXXX XXXX  I made a payment with Self Financial Inc / LEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XXXX ) XXXX I wasn't aware the payment didn't go through because the payments always go through. The company never let me know and instead of letting me know just marked my account as past due. My account is listed as current but has this late payment in XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 Portfolio Recovery Associates illegally put on my credit report a debt that I do not owe them nor the original creditor. I was never notified that they brought a debt that was already deleted years ago.
Product: Debt collection

Rausch Sturm is attempting to collect an alleged debt on behalf of XXXX XXXX but has failed to provide proof that they have the legal right to collect. They continue to engage in harassment, deception, and violations of federal law under the Fair Debt Collection Practices Act ( FDCPA ).

They misrepresented their role. Under 15 USC 1692e ( 3 ), it is illegal for a debt collector to falsely imply that an attorney is involved. Rausch Sturm presents itself as a law firm, but they have not initiated any legal action. If they are not actively litigating, they are simply a debt collector pretending to be attorneyswhich is deceptive and illegal. 

They violated my cease-and-desist request. I previously filed CFPB complaint XXXX, demanding that Rausch Sturm stop contacting me directly. They ignored that request and called me again on XX/XX/year> at XXXXXXXX XXXX  disrupting my work. This is a clear violation of 15 USC 1692c ( c ) the law states that once I ask them to stop calling, they must stop. They didnt. They broke the law. 

They failed to provide proper validation of the debt. Before Rausch Sturm attempted to collect, I disputed this debt with XXXX XXXX XXXXXXXX stated that they would send my request to XXXX XXXX for validation. However, I never received any validation from XXXX before Rausch Sturm started contacting me. 

Now, Rausch Sturm claims they sent an Initial Validation Notice on XX/XX/year>, but my first contact from them was a phone call on XX/XX/year>. Under 15 USC 1692g ( a ), they were required to send written notice within five days of that first contact ( by XX/XX/year> ). 

Since this debt was already in dispute before being placed with Rausch Sturm, I need : A copy of the Initial Validation Notice Rausch Sturm claims to have sent, along with proof of mailing. 
Proof that XXXX properly validated this debt before placing it with Rausch Sturm.

A full chain of assignment showing how and when this debt was transferred. 
If XXXX never validated the debt while it was with XXXX, then Rausch Sturm has no legal right to collect it.

They refuse to disclose how they obtained my personal information. I have asked for proof of how and when my data was transferred, but they refuse to provide an answer. Who else has had access to my private financial information? If they can not prove a legitimate transfer of my data, they are violating federal consumer protection laws.
Product: Checking or savings account

I paid off my accounts with USAA bank since XX/XX/2019. They have updated all bureaus still show charge off and but that is incorrect. They had agreed to change the status to " Paid and Satisfied ''. 

I need this resolved to proceed with my federal government security clearance. 

Thanks In Advance XXXX XXXX