23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received several emails from BB & T regarding an open account, which I did not have. I spoke with the fraud department and they told me it was taken care of. I stopped receiving emails. I then received in the regular mail personal checks from XXXX XXXX  with my information ( except maybe suspect 's cell number ) on them. I called the police who filed an identity fraud report. Today I received 2 notices from XXXX XXXX, debt collectors for 2 accounts, one from SunTrust and one from BB & T ( which have now combined to become Truist Bank ). I have tried calling the fraud department for Truist Bank and never spoke with anyone because everytime I am on hold for over 30 minutes. I ordered a XXXX XXXX  Report and saw Truist Bank on the report with my social security number from XX/XX/2021, which lines up to when I started seeing the emails from BB & T.
Product: Credit reporting or other personal consumer reports

I have contacted Experian to update my information but no one calls me back and my information has not been updated. I can't get anyone on the phone, and they have not called back
Product: Student loan

Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.
Product: Student loan

Hello, My private student loans with Navient originated in XXXX or XXXX. I have consistently made monthly payments from the year I graduated in XXXX. My initial balance was approximately {$29000.00} and after over 10 years of payments the balance is over {$35000.00}. Navient consistently offered forbearance without communication regarding how this would impact the life of the loan. 
In XXXX I was diagnosed with stage XXXX XXXX XXXX. As a result of my treatments I have been unable to work since the winter of XXXX  and am also a single mother of XXXX. Navient has refused to offer any deferment for unemployment despite a successful payment history. As a result I was forced to watch my credit score drop hundreds of points and have calls multiple times per day even late at night from Navient. After over 100 calls i was offered a lower payment of {$170.00} for 3 months, I can not afford this but was told they wouldn't offer me any lower payments. There practices are predatory and demeaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXXXXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX XXXX XXXX XXXX have failed to update it correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX : XXXX XXXX XXXX : [ not listed ] Experian : [ not listed XXXX XXXX : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, Transunion, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

A representative name XXXX contacted me at my employer he was rude and very disrespectful. I asked him not to call my work anymore. He continued to call my employer and speak to co workers about me, was rude and disrespectful to them to the point that they had to hang up on him. Then he started contacting my coworkers after hours. They and I have asked him not to call but he continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX R XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Mortgage

Based on the credit reports for XXXX XXXX XXXX from XX/XX/XXXX, the mortgage company GMFS has reported our FHA loan as two different entries creating the appearance of two past due mortgages and double negative impact on our credit scores and worthiness. 

Furthermore, monthly status reports made for each align with other questionable and possibly fraudulent events concerning non-compliance with HUD policies that we have taken several steps to address with this company including a complaint to the CFPB on XX/XX/XXXX and my latest report of disaster fraud to the National Center for Disaster Fraud on XX/XX/XXXX. 

All three of our credit reports show two mortgage accounts opening in XX/XX/XXXX, with one for GMFS , LLC ( Acct. no. XXXX ) and the other with some combination of XXXX XXXX XXXX ( XXXX ) and GMFS ( Acct. no. XXXX ) including " XXXX/GMFS '' ( XXXX  ), " XXXX/GMFS, LLC '' ( XXXX ), or " GMFS SVCD BY XXXX XXXX XXXX  '' ( XXXX  ). However, the payment history status on all three reports for Acct. XXXX covers XX/XX/XXXX to XX/XX/XXXX while Acct. XXXX only covers XX/XX/XXXX to the PFS pay-off in XX/XX/XXXX. 

All three reports also indicate Acct. XXXX was closed, transferred, or sold in XX/XX/XXXX. However, we were told XXXX just has a new sub-servicing company, XXXX, to replace its previous company, XXXX. As we do not believe a change in sub-servicing companies by a mortgage company requires reporting a new credit account to reporting agencies, we are concerned that such an error was yet another move in the attempt to cover up the non-compliance matters involved in improperly keeping funds to which the mortgage company is not legally entitled. 

In following the payment history as reported by GMFS and its sub-servicers, many items after XX/XX/XXXX do not align with the facts that : ( 1 ) we had a loss of income financial hardship beginning XX/XX/XXXX causing the first 30 day Past Due in XX/XX/XXXX ; ( 2 ) then had the flood disaster on XX/XX/XXXX after which we agreed to two different three-month disaster forbearances from XX/XX/XXXX to XX/XX/XXXX ; and ( 3 ) ultimately made our initial application for a homeowner assistance program to avoid foreclosure on XX/XX/XXXX. Given much of the confusion that was created for this application process by GMFS, XXXX, and XXXX, it is concerning to see that they reported no data for 10 months and 180 days Past Due for 5 months for the time between XX/XX/XXXX and XX/XX/XXXX during which we were told the application for the loss mitigation process had to be delayed or restarted. We also do not understand how XXXX begins servicing with 3 months of no data reported and then 180 days past due through the PFS in XX/XX/XXXX. 

As we have now learned how the servicing of FHA loans should have occurred, we also see how not reporting data and misrepresenting a change in sub-servicer on our credit report would allow the mortgage company more time to exploit our situation and muddle the HUD review process for compliance.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As per the law, I am entitled to have the accounts affected by the breach blocked and removed from my credit report.

The affected accounts and inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a request to Experian Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are attempting short sale for loan # XXXX. Ocwen has been uncooperative. I have been advised that the account is currently with XXXX XXXX and was provided a phone number of XXXX, ext. XXXX. This is not a working extension. I have attempted to use the dial by name directory and there is no one with the name XXXX XXXX in the directory. I contact Ocwen customer service ( XXXX ), twice I spoke with Representative ID # XXXX ( XXXX? ), the first time he transferred me to the short sale department, I hit " XXXX '' to speak with the operator and the call immediately disconnected. The second time ( both occurrences on XXXX/XXXX/16 ) I was placed on hold for 15 minutes, then transferred to a line that rang for 10 minutes, then disconnected. We will be contacting an attorney to assist further as this level of non-communication is completely unacceptable.
Product: Debt collection

XXXX XXXX XXXX Account XXXX COMMONWEALTH FINANCIAL Account XXXX I have no idea who these companies are or what this debt is for. I have no written documentation, billing information or any details of these. I have disputed with XXXX  to no avail.
Product: Debt collection

XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.
Product: Mortgage

I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance.
Product: Credit card

Navy Federal allowing purchases and overdrafting my checking account Navy Federal credit card charging too much interest on purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017, I HAVE HAD A FRAUDULENT ACCOUNT APPEAR ON MY CHEX SYSTEMS REPORT. XXXX  XXXX XXXX XXXX SHOULD NOT BE ON MY REPORT. IT IS FRAUDULENT.
Product: Money transfer, virtual currency, or money service

I have been a victim of a massive identity theft. Venmo allowed hackers to access my account and attach all my credit cards and debit cards and stole all my money along with creating other accounts in my name and has made no attempts to reemberse my money
Product: Credit reporting or other personal consumer reports

My information has been compromised due to the data breach I have had my credit reporting information on my report with many discrepancies and now sending this to cfpb to resolve these discrepancies I have the right to have accuracy on my report and this data breach has long given me problems for allowing these things to be reported
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/2020. Notified via email by XXXX XXXX that XXXX reported to XXXX credit agency that my auto account is closed and I only paid the balance down to {$660.00}. XXXX is still reporting inaccurate information to the all three credit agencies intentionally. I do not owe this Creditor anything, all my payments have been satisfied. The account should be reported as closed paid in full and in good standing. I have filed several complaints regarding the fraudulent activity that XXXX is reporting on my credit profile. My next step on tomorrow, Monday, XX/XX/XXXX, I plan to reach out for legal assistance regarding the ongoing harassment.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a pressing issue regarding identity theft, which has resulted in multiple fraudulent entries appearing on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Debt collection

I received a call from a collector named XXXX from XXXX. 

Stated was CS supervisor calling back to assist. 

This call is recorded, she simply harassed me when I was explaining my concern over figures from an bill XXXX-XXXX-2018 ; she began to say I was past due, which I am not. 

when I asked her to review the numbers she became argumentative- this is great fro a boiler room collector ; but, not to great when trying to resolve a problem with a number that the customer is confused with.
Product: Credit card

In XX/XX/2023, Rooms to Go and BrandsMart who bank is the same, Synchrony Bank closed my store credit card. Rooms to Go limit being XXXX and BrandsMart being XXXX. I have never been late. I have always paid more that the minimum payment and paid in full even before the promotional offer expires. The reason that they have provided of closing the account is unacceptable, which they say was due to randomly checking my credit, since I only granted them permission to check my credit one time and that was the time in providing me with the initial credit. Now these closed accounts sit in my credit profile and have decreased my score. There was no communication or warning that this was being done or about to happen. When I went to purchase an item that is how I was being made aware of the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second Complaint with Equifax first ID was XXXX since the first case was Closed by Equifax with the statement they were going to send me a Letter which they did telling me once again to Mail my Personal Info to their po box or FAX. I have been trying for nearly 2 yrs to get Equifax to allow me to access the Account I created with them in XXXX after trying to access the Account I created in XXXX that Equifax no longer recognizes or excepts the username/Pin/Password and they continue to refer me to their Customer Service number that when I can get thru to I'm told to send all my Identification including my SSN/Drivers license to a Fax or po box in XXXX GA which I did in XXXX and again a Month ago and still have never heard anything from them and still needing them to Unlock my online account and stop the Back and Forth between their Customer Service with the same Poor XXXX XXXX Representative asking Sensitive Questions that I can't even begin to understand and their Ridiculous Expectation to MAIL or FAX and as much as I'd like to Protect my Identity I really don't think Equifax should expect People to Trust them or anyone with all that Information on a FAX or po box somewhere in XXXX GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.