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

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have an existing HELOC with Truist. From the beginning of opening the HELOC I elected at the branch to have my interest only minimum payment be automatically deducted from my checking account also with Truist. Apparently this was never entered into my account and right from the start Truist showed late payments which I disputed multiple times on multiple calls totally well over a few hours on the phone. Please keep in mind EVERY time you call it literally take 3 - 4 transfers before actually getting to talk with someone. It really seems to me this is a tactic they employ to discourage trying to call them and resolve anything. I don't have hours on end at work to deal with this issue day after day. 

On our about XX/XX/year>, my income deposit just missed Truist trying to pull my minimum payment. The funds were deposited the following day. Instead of notifying me, Truist did nothing and I was never notified that they had a running 30 day late for months! It wasn't until I deposited {$50000.00} toward my HELOC that a couple months later when I went to transfer funds from my HELOC to my checking account that my HELOC was frozen. 

Once again I called Truist multiple times TRYING to figure out why my account was frozen and NO ONE could tell me, NOR did they inform me that they are showing I missed a payment months ago! After spending 2 - 3 hours on the phone with everything from their mortgage department to XXXX. I was told I would have to go into a branch for further help because they could not figure it out over the phone. 

I took more time off of work to go into my local XXXX, FL branch only to be told by XXXX XXXX ( Branch Manager ) that my HELOC was frozen due to a missed payment. When I voiced my frustration to XXXX XXXX, she said she could file " an appeal '' to have the freeze lifted. After multiple times trying to get back in touch with XXXX XXXX ( most of the time she is at another branch ) I was informed that I would have to re-apply, provide all the same documents I did for my Initial application. I explained to XXXX XXXX that was unacceptable especially since Truist bears some responsibility for not letting me know after countless conversations and never told my payment was 1 day late and never applied to the correct missed payment. 

XXXX XXXX said she can escalate my complaint to her supervisor ( XXXX XXXX ) who would reach out to me in 24 - 48 hours. That was several weeks ago and still nothing from XXXX XXXX or her supervisor that I called, text and emailed. NO response and my HELOC remain frozen! 

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

This company is reporting on my XXXX and XXXX. This is not my account and i would like for it to be removed
Product: Student loan

I am filing a complaint in regard to the consolidated loan that I share with my ex-husband who has not provided a payment to this company in months and months. I have consistently paid my half payment which is documented. New legislation was passed in regard to separation of this type of loan " joint consolidation ''. The XXXX XXXX XXXX has not provided the direction yet to this company in regard to how to separate. I continuously answer the calls from Nelnet and repeat the situation. The loan continues to have late fees and charges imposed due to my ex-husband failing to pay. He is now unemployed. I have requested an Administrative Forbearance on each call which I have been denied. Recently, I was told that this could be applied once Nelnet receives communication from the Ombudsman. I have been in this process to try to receive assistance as the " co-borrower ''. I am fearful of my credit being ruined by my ex-husband due to his failure to comply with the terms. I have applied for loan forgiveness due to my employment with a governmental agency for 20 years. The paperwork was submitted for the forgiveness. I am suffering and being penalized still for this decision to consolidate when we were married. I am asking for Nelnet to figure out how to handle the situation as I have consistently paid my monthly half payment. I have communicated for years my struggle and how I continue to be negatively impacted. I am filing a complaint for documentation purposes that I continue to advocate for myself to have the company recognize my need for help so that the loan does not go into default or damage my credit report because of the negligence of the primary borrower. I want an Administrative Forbearance!
Product: Debt collection

This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX XXXX XXXX ) with increased health problems ( XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.
Product: Mortgage

I am making all my payments on time even before they are due. My nest due is XX/XX/2024 and I got a letter saying that I am past due for XXXX payments. This is the third time they have done this to me making me do Modifications. 
The company is PHH Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX COLLBURFTWB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling, disputing online and because its showing no CC account I wasnt able to dispute. 
Ive written to Equifax over the years and recently requested to report my XXXX XXXX XXXX payment history/cc usage/credit age XXXX XXXX. And the removal of a hard inquiry that was supposed to be a soft inquiry also on XX/XX/2023. But instead Equifax took XXXX points from me for my two ( 2 ) ) hard inquiry being removed XXXX XXXX. Ive written a second dispute letter on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address ongoing inaccuracies in my credit report. Despite multiple attempts to rectify these issues through dispute letters, I am dismayed to find that my credit report continues to contain errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is imperative that all information on my credit report is 100 % accurate. However, after reviewing the relevant sections of the FCRA, specifically 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that several accounts are not reporting information accurately. 

Attached, you will find copies of all dispute letters previously sent for your reference. This serves as my final warning before considering further action to address these inaccuracies. 

I urge you to take immediate steps to rectify these errors and ensure that my credit report reflects accurate information in compliance with federal law.
Product: Debt collection

I received a XXXX XXXX XXXX Saying, " I'm calling in regards of a complaint scheduled to be filed out of XXXX XXXX ( MN ... never lived there ). If you have any questions or concern will be available to receive signed documents to your residence on XXXX XXXX XXXX ( again this is a client of mine XXXX XXXX XXXX XXXX located in MN ) you need to contact office immediately at tel # XXXX with case number XXXX. Speak with you today or they may move forward and make decision without your participation or consent you have been notified '' I spent over XXXX hours on the phone first with XXXX that called getting no real info & them telling me they only had limited info. told me it was a debt from XXXX with Citibank for {$1400.00}. I explained I never did biz with Citibank and they were ignorant saying if I wanted info I had to get served and go to court for info. The said they were with attorney XXXX XXXX XXXX in XXXX XXXX. I called there they were unaware of anything. I called Citibank ( XXXX the long tome on phone ) and they had no record of me. 

I'm concerned because the original collector has my SS # and my address and I am afraid of some type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

According to 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX  XXXX, PA XXXX XXXX a victim of my personal information being breach with these credit bureaus. Theres inaccurate information in my credit report and need this information to be removed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NAVIENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

Equifax has reported negative information on my credit report that is not mine. I do not owe XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CR XXXX # XXXX 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 or other personal consumer reports

I been disputed this accounts for years and it is always sent back on my credit I have a repossession from XXXX and Im XXXX years now I need it gone and a collection for XXXX $ .i need taken off I need help please
Product: Credit reporting

All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as 1 inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
Product: Credit reporting

Experian credit reporting company has re-inserted an account ( XXXX ) with incorrect information on my credit report. This credit account was showing as paid as agreed but listed in accounts that are potentially negative. ( which is incorrect ) this account should be showing as accounts that are in good standing. Today I checked my credit report as I monitor it very frequently and noticed that they re-inserted a 30 late payment in XXXX/XXXX/2016. This account was never paid late. This information is Incorrect and is affecting my credit score in a negative way. I am submitting this complaint because I have been waiting patiently as told for them to update my credit reports. Now I see this information is being reported. This account ( XXXX and XXXX ) which are both held by XXXX should be showing in accounts that are satisfactory and in good standing. They are reporting paid as agreed but listed under potentially negative account. This is ridicilious and I am very close to seeking legal advise in pursant to sueing the credit reporting agency 's along with the credit card companies who are reporting this incorrect information.
Product: Credit card or prepaid card

US BANK RELIACARD HAS PLACED A HOLD MY GOVERNMENT ISSUED DEBIT CARD ( PUA BENEFITS. ) DUE TO A ADDRESS CHANGE. MY CLAIM WAS PROCESSED IN XXXX AND I HAVE BEEN TRYING TO VERIFY MY CORRECT ADDRESS TO HAVE A REPLACEMENT CARD ISSUED. I HAVE FAXED ALL THE REQUIRED DOCUMENTS OVER 5 TIMES AND EVEN VERIFIED MY IDENTITY ON THEIR WEBSITE. BUT CONSTANTLY TOLD MY DOCUMENTS ARE DENIED. IT HAS BEEN 6 MONTHS AND I HAVE NO ACCESS TO MY BENEFITS. I HAVE CALLED, EMAILED FOR OVER 4 MONTHS AND RECEIVE NO ASSISTANCE JUST THE RUN AROUND. I AM UNEMPLOYED DUE TO THE PANDEMIC AND HAVE NO INCOME AND REALLY NEED MY BENEFITS THAT THEY ARE REFUSING TO RELEASE. THEY KEEP ASKING FOR MORE DOCUMENTATION THEY EVEN REQUESTED MY SS CARD AND TAX DOCUMENTS FOR AN ADDRESS CHANGE WHEN I HAVE PROVIDED MY STATE ISSUED IDENTIFICATION CARD ON SEVERAL DIFFERENT OCCASIONS. PLEASE HELP I HAVE EXHAUSTED ALL MY OPTIONS WITH NO RESOLVE.
Product: Debt collection

CKS Prime Investments also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

. DIVERSIFIED ADJUSTMENT ( Original Creditor : T MOBILE ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.