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

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, a {$120.00} debt showed up in my credit report. It is called XXXX XXXX XXXX and the original creditor is XXXX XXXX. I am a XXXX XXXX customer, although I have never had any outstanding debt with them. I have never heard of this charge, have never received a bill for it, and I have no idea what it is for. I can log in to my XXXX XXXX account and it shows a {$0.00} balance, and the entire payment history comprises only my regular monthly bills and payments of {$43.00}. There is no record of any {$120.00} bill, nor does any combination of anything total {$120.00}. I called XXXX XXXX, and after a confusing conversation, they looked up some things in their computer and said that the charge was a mistake, and that they would credit it to my account. I did not receive any credit in my XXXX XXXX account, which is OK because there is no record of any debt to be credited, but the amount on my credit report dropped from {$120.00} to {$21.00}. On my credit report, it now appears that I paid the difference ( {$100.00} ), which I did not, because this debt never existed, and this apparent payment seems to legitimize this otherwise completely fabricated debt. I submitted a dispute for each amount but the debt was upheld each time. I still have never received a bill for either amount and have no idea what it is for. My only guess is that XXXX XXXX sold a fake debt to XXXX XXXX XXXX in bad faith as a nefarious means of generating revenue.
Product: Mortgage

My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX  informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.
Product: Mortgage

Truist Bank has yet to provide me with a 1098 mortgage interest statement ( it is now XX/XX/XXXX ). I have spent hours on hold with them, been disconnected multiple times, and went to visit a branch in person twice, and I still have not received this form. I am nut sure how to pay my taxes without this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX XXXX account report 4 missed payments in XXXX XXXX XXXX XXXX XXXX XXXX missed payment all inaccurate XXXX XXXXXXXX business showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance
Product: Checking or savings account

I recieved a fraudulent check that I didnt know it was a fraud I deposited the check and my bank decided to close my account I had 11 years with them with no problems I will like to reinstate my account
Product: Mortgage

In, I believe XX/XX/XXXXor XX/XX/XXXX, Ocwen was contacted by XXXX XXXX with the details of my new insurance policy with a request to pay from escrow. A month later, I get a call from XXXX XXXX telling me it's not being paid. I call Ocwen ( who has admitted having phone records with XXXX XXXX ) and I'm told that I have to request in writing. After explaining my health issues that made it nearly impossible to type or focus on my computer, the ( Ocwen ) agent said she could take care of it right away. Here we are in XX/XX/XXXX and I find that Ocwen has placed Lender Placed Insurance ( LPI ) without my permission OR any notice. This happened once before and I received certified mail with a reasonable time frame. I'm FED UP with this company REFUSING to cooperate. I received a letter ( now gone ) last time this happened that stated : If you can not afford insurance, Ocwen can pay insurance out of escrow. We can even reinstate your policy if cancelled. Ocwen is ripping me off with insurance over XXXX times what I was paying before THEY XXXX   XXXX. I NEED this rectified before next months mortgage payment or I won't be able to pay. I'm only asking Ocwen to follow through. Seems easy if they gave a XXXX!!! 

My name is not on this loan. It should be ONLY the Estate of XXXX XXXX  XXXX, for which I'm the sole responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Equifax Information Services LLC around XX/XX/2020 and XX/XX/2020. Equifax has failed to provide me with an updated credit rpeurt two times and has violated the Fair credit Reporting Act ( FCRA ) and also failed to investigate my dispute and respond within 30 days from XX/XX/2020 and XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX, XXXX XXXX. I attached a picture of the letter since the letter was not certified mail I took a picture. On the dispute dated XX/XX/2020, I told Equifax that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Equifax asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Each dispute raised is different and never been disputed they are in violation of the Fair Credit Reporting Act for not responding within 30 days and must delete the accounts the failure to knowing and willingly refuse to delete the accounts is cause for compensation for {$1000.00} per violation. Failure to delete these accounts is cause for a civil action if necessary and waives, null and voids any prior settlements, any and all prior negations, are agreements in this and all matters from prior to this date of XX/XX/2020 here in forward if these accounts are not deleted, within 30 days of this complaint.
Product: Vehicle loan or lease

I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and regional acceptance system. Its through regional acceptance corporation which is apart of BB & T
Product: Student loan

I cosigned on a Wells Fargo Student loan for my son back in XXXX of XXXX. It is now 12 years later and my husband and I ate " future '' planning for ourselves, our kids & grandkids. 

My being a cosigner is having an impact on those plans. I requested my son ask to have me released. 

We received a letter by the new servicing company, XXXX on XX/XX/XXXX stating we were denied our request all because he made " one '' alleged, late payment in XXXX of XXXX ; over 8 years ago! 

I spoke with both a representative, XXXX and his Supervisor, XXXX by calling XXXX, today XX/XX/XXXX. 

Apparently because that alleged, late payment fell " just '' inside the first 24 months of the loan repayment origination date ; it nullified ANY future release of cosigner request. 

I was told mine and my son 's only options were to ask that they ( XXXX XXXX ) file a complaint on our behalf. Which is an internal conplaint and I'm not able to receive a copy of the filed complaint nor is it likely I will receive a response let alone the complaint actually be reviewed. 

I believe this regulation of loans prior to XX/XX/XXXX is not only unfair. It is extremely stringent, penalizing of those who have shown good, responsible repayment history and their cosigner 's ( over the existing, life of the loan ), it is out of touch with current regulations and must be changed. 

*Even someone who files for bankruptcy is forgiven and can start fresh after 7 years in most financial circles. 

Sincerely,
Product: Debt collection

Collection Company for XXXX XXXX that I was not aware of debt. I was on a payment plan with XXXX that I was told completed, with no documentation that I owed more. now collection company has called twice, the first time when asked for details they didnt provide and I mentioned fair credit reporting act they hung up. second call I asked for a manager. I asked that the file be sent back to XXXX to complete payment plan rather than pay collection agency all at once. Again, I mentioned fair credit reporting act and the rep tried to get me off the phone and told me collections would continue until I paid and would be put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Product: Debt collection

Never received info from XXXX though they say it was sent usps  non certified in XXXX per XXXX XXXX This account last spoke w XXXX  was closed and no bill due as of XX/XX/XXXX after they misplaced equipment. After asking for phone conversation info ( XXXX  ) Friday then figured out they were incompetent and sent me an email stating this account was updated and credited. Called XXXX and XXXX to find out how a company can give fraudulent information that is so impactful without prudent checks in place. They both stated it is up to the consumer to find the accurate data and dispute the fraudulent data.these are not consumer agency as they get paid for data true or fraud.
Product: Credit card or prepaid card

My credit limit was {$4800.00}. I had not used the card in two years so it was closed, I caught this immediately and Citi opened the card for me with no changes to the credit limit. Then in XXXX Citi lowered all of my credit card limits by almost {$20000.00} on the cards that I actively used. At the time they refused to reinstate my limits and would not provide me with a valid reason or even with a copy of my credit report used to make this decision as the customer service representative told me I could only write in my complaints to see if they made an error and he could do nothing else. 

On XX/XX/2020 the credit limit on my card ending in XXXX was still {$4800.00}. I had not used it in a few months. So I used the card to purchase lights and ceiling fans for a home I am currently building, total charge about {$2000.00}. The charges went through but one item was backordered so they provided a refund until the item was in stock. The next day Citi lowered my credit limit to {$1000.00}. It was lowered to the point that if the refund did not go through I would have gone over my limit. Now that the refund did go through I can no longer use the card. As the company has this card on file and if they try to charge it it will be declined or I will go over my limit. 

Citi is using predatory practices to lower credit limits on credit cards as charges are pending. They are intentionally being deceptive about the amount of credit I have and then once I use the open credit they are drastically reducing it.
Product: Debt collection

I did contact Portfolio Recovery Associate to provide the court document stating that a Judgement was entered against my property or a contract that shows that i XXXX XXXX XXXX Entitlement Holder/Registered Owner of the XXXX XXXX XXXX have a signed contract or a debt obligation in its favor, they failed to do so. I did file a Claim in the Virginia Commercial registry after they defaulted to remove the Collection item from the credit bureaus. I did address the CEO of PORTFOLIO RECOVERY ASSOCIATES to produce proofs of claims and, he failed to do so, as a result a UCC lien was filed against PORTFOLIO RECOVERY ASSOCIATES and its CEO XXXX XXXX XXXX as it was the terms and conditions if proofs of claim could not be produced. I am the uncontested Registered Owner of XXXX XXXX XXXX with my Birth Certificate Authenticated at all Three Levels of Government and Registered with with the United States Department of Commerce with a {>= $1,000,000} CLAIM against anyone using it without my permission.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Again this is my request that I have been a victim of identity theft and that 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 items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX 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: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting TD Auto Finance Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccuracies on my credit report concerning the XXXX XXXX XXXX account ending in XXXX. This account is inaccurately reported and inconsistently represented across credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : TD Auto Finance Account Number : XXXX Issue : The account is inaccurately reported as charged off, with inconsistent balances, payment histories, and account statuses across credit bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. The discrepancies in reporting clearly fail to meet this standard.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, credit bureaus are required to conduct a reasonable investigation and correct inaccurate or inconsistent information.

Requested Resolution I request that XXXX : XXXX. Delete the TD Auto Finance account entirely from my credit report due to the lack of consistent and accurate information.

2. Provide written confirmation of the resolution and any changes made to my credit report.

Supporting Documentation 1. A copy of my credit report highlighting the TD Auto Finance account and discrepancies.

2. A copy of my government-issued ID and proof of address for verification.

Please investigate and resolve this dispute promptly, as required by FCRA. I expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

On XX/XX/21 I made 2 online purchases and about 10 mins into it after sending the money I found out that it was a scam so I immediately cancelled the transaction and notified my method of payment and explained to them wat happened and they told me that I would have to wait until it completed so I did and then they tell me to dispute the amount so I did and then they wrote me back and told me that they didn't see no error and denied my case not just once but 4 times one for XXXX and the other one is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX /experian 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I have gotten two letters from a LVNV Fundling llc. which I XXXX  the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I have never had an account with this company. I have never sign documents, a contract with this company ever. I was sent information about an account and calls were made. I insisted they have the wrong person. I asked them to cease and desist all communications unless in a valid mail process. I just recieve another form of a letter, stating this would go to collections. I am not a paying a debt that is not mine. Recently, I received communications again this time text about an account this not mine. LVNV Funding has no rights to collect any debt from any source in the state of TN. Their license was revoked in 2012 for BAD collections practices. I am going to make this very clear.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021, I received a XXXX friend request from a XXXX XXXX XXXX, which has turned out to be a fake profile. This person prompted me to switch to XXXX XXXX to send messages back and forth, saying he loved me and wanted to marry me. He eventually asked for my bank account information and ordered checks in my name/address from an account he claimed was his at XXXX XXXX. Recently, he asked me to fill out one of those checks payable to myself in the amount of {$20000.00} and deposit it into my personal account at XXXX XXXX XXXX XXXX. Then told me I needed to transfer {$5000.00} to an account at 1st Citizen 's Bank in the name of XXXX XXXX ( address XXXX XXXX XXXX ; XXXX, NC XXXX ) in order to pay off a lien on a property in Tennessee. 

On XX/XX/XXXX, I discovered that XXXX XXXX had returned the funds of the {$20000.00} check I wrote, because XXXX XXXX  discovered the fraud. This has left my account at XXXX XXXX XXXX XXXX in the negative by {$5100.00}. I believed this man to be who he said he was and trusted him, but have since discovered numerous fake profiles on social media sites using this identity of a high ranking XXXX official. I have contacted all 3 banks involved to report the fraudulent activity, but 1st Citizen 's Bank did not give any indication that they could get the transfer stopped and return the money to my XXXX XXXX Account.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX5 I attempted to deposit {$40.00} ( XXXX {$20.00} Bills ) into a local Bank of America ATM . The ATM just shut down and kept my money. It never got credited to my account. Monday morning I called the bank & explained my situation. The gentleman told me he sees exactly what had happened, the error the ATM sent out & my {$40.00} that was kept & not credited to my account. I was told I would receive a temporary credit in 1 to 2 business days. This never occurred. I call on numerous occasions throughout the week. Once being told it was escalated because of a HARDSHIP. I explained that the money was my copay to my doctor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAgain I was told the {$40.00} would get credited the same day, just to wait but it would get in my account the same day. This never happened. Fast forward to today XXXX XXXX XXXXXXXX. I called again. After in hold for XXXX minutes, a gentleman answer my call & had to transfer me to a specialest. After on hold approximately XXXX min more I did get a young lady. She seen nowhere where this was ever escalated or even a HARDSHIP entered as I was told on a prior day. She then said she was going to escalate my situation as well as my complaint. I basically was lied to. I was told at different times things that were to happen that I requested that never actually happened. I begged the associate to please credit my account today, I'm in dire straights. I was told there was nothing that could be done. That this credit could take up to XXXX business days. I still have not been credited my money. I also have DIRECT DEPOSIT XXXX BOA. THIS HAS BEEN NOTHING BUT A NIGHTMARE AND THEY COULD CARE LESS ABOUT ME AND MY SITUATION.
Product: Credit card

PLEASE I'M BEGGING YOU TO UPDATE MY ADDRESS ON YOUR SYSTEM I HAVE ATTACHED THE DOCUMENTS NEEDED. AND YOUR FAST RESOLUTION GREATLY APPRECIATED