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

Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Product: Mortgage

I am writing to bring to your attention a matter regarding my account, which was transferred from XXXX XXXX  XXXX Truist Bank without my knowledge or consent. As a result of this transfer, I encountered a situation where my account payment was delayed, leading to a late payment on my Truist account. 

I trust that XXXX XXXX  and Truist Bank value their customers and take pride in providing exceptional service. I have always been a responsible account holder and strive to maintain a good credit history. It is disheartening to experience such a disruption in my financial affairs due to circumstances beyond my control. 


XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, 2017 I obtain a copy of my transunion report and i notice i had inaccurate and incorrect information on my report which caused my score to lowers. 
It is my understanding I would like to receive everything in writing that shows if debts are validated her set with a did.
Product: Debt collection

VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then VAnce and Huffman has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX # XXXX Balance {$120.00} Open XX/XX/year> I dont recognize this lender and account. 

Under the Doctrine of ESTOPPEL V GRAVENS ( MO ) 281SW 715, 719, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS Please remove this inaccurate information from my credit report.
Product: Checking or savings account

I can not believe this is happening to me. Im a Wells Fargo customer and on XX/XX/year>, my funds were sent to the wrong account. I have filed a complaint with Wells Fargo. They promised they would look into it. It is now XX/XX/year> and they still have not fixed the problem.
Product: Vehicle loan or lease

My lease with GM ended XX/XX/XXXX. The lease contract call for the total base payments of {$10000.00} plus a lease termination charge of {$390.00}. I made payments totaling {$11000.00}. When I turned in the vehicle I took care of all items while pointing out the deficient pre-inspection report I had yet GM sent me an invoice stating I owed an additional amount of {$640.00}. I wrote to GM on XX/XX/XXXX pointing out that their inspection report was inaccurate and included all relevant proof to support my position. GM did not respond until XX/XX/XXXX stating I still owed {$420.00} for the {$390.00} termination fee plus fees and taxes while ignoring my request to have my payment overage applied to the fee, if not waived. Instead, GM falsely and fraudulently reported to the credit agencies that I " MISSED A PAYMENT '' to the detriment of my and my spouse 's credit history when in fact we did not miss any payments at all. Again on XX/XX/XXXX I wrote to GM requesting that it retract it's false and fraudulent report yet to date GM has refused to be reasonable and ignored my request.
Product: Debt collection

I have been contacted constantly by the credit card company genesis card services I was told prior as of last month that they would stop calling. I however have received nothing but repetitive calls and excuses. This goes against the Fair debt collection protection act. This is harassment I don't care if you put me on the do not call list the damage is already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at an auto dealer and the dealer was interested in my credit reports. I unlocked my XXXX and XXXX reports ( as requested ). Instead of using these reports which showed my credit score in the XXXX 's, they requested funding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bank got a credit report from a company called XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The score given by XXXX XXXX was XXXX. The reasons given for this ( low ) SCORE were the following ; Limited history for consumer at this phone. I have had this phone number since XXXX. 
Length of residence short. I have lived here witha mortgage since XXXX. 
Too few active accounts, actually more accounts ( all in good standing ) than I have space for here. 
Limited credit history. I'm XXXX y/o. started paying into SS at age XXXX. My question : How can this company ( now associated with XXXX ) Give an important credit score without doing their homework? Basically they are lying to XXXXXXXX XXXX by misrepresenting my credit history. Did they check with XXXX of the XXXX XXXX?
Product: Credit card

Synchrony Financial 's website ( https : //www.synchrony.com ) won't let me log in to make payments to my XXXX 's XXXX XXXX account. This has been going on for 2 weeks now. I have a new appliance that I purchased that I need to set up payment plans for because it is interest free for the first 12 months if the payments are made on time. I believe XXXX is not allowing me to access my account so that I won't make the payment on time and they can charge me interest. There are several complaints from other customers about the same thing in their reviews and their BBB profile. This company is intentionally trying to defraud customers by not allowing them to access their accounts online so that they can charge them interest. The interest is something ridiculous like 29 %. Synchrony Financial are a bunch of crooks.
Product: Mortgage

I have a mortgage with Mr. Cooper that is escrowed. My hazard insurance renewal was scheduled for XX/XX/XXXX ( shown on the system with the correct insurance company and policy number ). I received a letter in the mail ( dated XXXX, received XX/XX/XXXX ) that insurance had lapsed for non-payment and that Mr. Cooper would be force-placing insurance if I did not provide proof of new insurance. Mr. Cooper blamed previous insurance company ( XXXX  ) not providing billing information, but I find it unacceptable that the servicer simply didn't pay the insurance premium and did not notify the consumer ( me ) until it was time to 'force place ' insurance. I went without coverage ( unknowingly ) for over a month due to the inaction of the servicer.
Product: Debt collection

PRA did not adhere to the fair credit reporting act and the fdcpa. t pra did not stop collections when i disputed the account within 30 days of communication. They also placed the account on my credit shortly after. I asked for a complete history of the account. They only provided 3 months, this was incorrect so i asked for the complete payment history because they are collecting on the entire account not 3 months of it. This company is a fraud to the consumers. they pay pennies on the dollar and use slippery practices to bypass the law. They are a disgrace. this should have not been on my credit report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
AMEX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one hard inquiry on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been the NUMEROUS request that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 602 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 XXXX XXXX -- -- -UNAUTHORIZED ACCOUNTS XXXX XXXX BE DELETED FROM MY CREDIT REPORT-XXXX XXXXACCOUNT XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXACCOUNT XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXXACCOUNT # XXXX, XXXX XXXXACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX, XXXX # XXXXXXXX XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint against Homebridge financial ( previous complaint # XXXX XXXX. 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

Homebridge said they would remove the negative credit reporting. My credit history still reflects negative reporting from homebridge. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsHomebridge told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my XXXX I paid Homebridge what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX  in the XXXX  ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and homebridge is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with HomebridgeXXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but Homebridge is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from homebridge, and transcribed copies of the recording/conversations.
Product: Checking or savings account

We have a business account with Wells Fargo. Today after speaking to 4 representatives and spending 1hr and 30 minutes on phone, nothing has been resolved. We last spoke to a respresentative who put us on hold and never came back. The problem is when logging onto online banking on computer it asks for us to update phone and email address. When we click update it tells us to call an number for Wells Fargo. Well we told 4 different representatives this and kept getting transferred to someone else. Nothing has changed with our phone or email so nothing needs to be updated just this message needs to be cleared. This is UNACCEPTABLE to be treated this way.
Product: Debt collection

I'm disputing items on my credit report from companies I never dealt with, causing problems XXXX XXXX XXXX. I urgently seek their removal or information for legal action. See attached.
Product: Debt collection

I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX