23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reported this to them and they keep denying me saying I need a list of signatures and documents showing an address which I dont have! My mother when I was still in high school went behind my back and fill out student loans in my name and information and I been already told her I dont want to go to college she knew and still went behind my back and file all that out and I dont even have access to no school login my mother has that! She has admitted to it and I let the loan people know and they asking for all this information that I dont have how would I have signatures for XXXX and I didnt even have a bank account to my name and never filled out paperwork to have a signature! even the police I talk to said they believe she did it and she admitted to it! This is 100 % identity theft and she had my social security number and birth certificate! My mother did the promise not ( XXXX  ) and lied all of it saying she live somewhere when she lived with me! She had a hidden po box I never had in XXXX Va that I never had access to but her! I have told the school about the fraud and she does fraud all and identity theft on other people like her own family and she did it to my wife! Im trying to get this loan off my credit because I NEVER WENT TO SCHOOL I DONT HAVE A LOGIN OF A SCHOOL I DONT HAVE NO CERTIFICATE I HAVE NO COLLEGE DEGREE AND NEVER FILLED OUT ON PIECE OF PAPERWORK ONLINE OR IN PERSON! this is ridiculous I have to come and tell yall that this student loans provider is not trying to take my identity theft serious I have fill out 20+ paper of the same story and they still not approving my loan to be discharge because of identity theft! I have gave them so much proof! she use a hidden email that isnt mine she used a phone number that wasnt mine and po box that wasnt mine and has admitted to doing it and withdrawing me from school that I never did or saw anything from that school or filled out any information!! This is ridiculous that this student loan people dont believe me at all when I said my mother XXXX XXXX XXXX IS THE ONE THAT FRUAD UNDER MY NAME! She even did my taxes for this school to get a refund I never have went to or filled out information or been any class or anything!! IM TELLING YALL that she is someone you need to catch because she has done this to everyone in her family!! Something need to be done because Im tired of filling out same paperwork and Im not paying student loans provider for XXXX that I never went to college or never filled out any paperwork for student loans and never wanted to go to college!! I just found out all this information in XX/XX/XXXX! This need to be looked at at serious because Im going to attach the information of proof!!! I need someone to take action because it will be terrible if I have to get a lawyer because I keep saying the same thing and showing the same proof over and over!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Product: Debt collection

Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with XXXX  Wholesale the only card I ever opened with them was a Military Member ID. Neither XXXX or XXXX XXXX can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through XXXX Wholesale
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$44000.00} INQUIRIES : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Bank account or service

First Citizens bank upgraded the online banking system XX/XX/XXXX. The upgrade had problems from the beginning with capacity issues, login issues, and more. I found out XXXX XXXX that a payment setup through their system did not transfer information from the old system to the new system. I found out from the payee not First Citizens. The bank did not inform me through correspondence that this may happen. I logged into the system to setup the payment account again and had an issue with my pin. The card was disabled as a result of this issue. I reset the pin with a customer service representative at First Citizens and was told to wait 20 minutes for the system to update. I waited nearly two hours and logged on again, but the card was still disabled. I was then told to wait until midnight. I logged on the morning of XXXX and the card was still disabled. I called customer service again, and was told it was a known issue and they are working on it. The " sorry for the inconvenience '' rings hollow after 4 or 5 times, it becomes more of an excuse and leaves consumers powerless to conduct necessary financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Experian about in inaccuracies on my credit report. After my disputes, under their dispute center, they have marked those account as under bankruptcy and never late. However, they did not update these changes on my Experian credit report and they are continuing to showing those account as a negative information. I even tried to contact with them over the phone but couldn't resolved the issue. Please see the credit report and pictures from their dispute center. They do not match up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX  XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the Equifax and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax to dispute fraudulent inquiries on my credit profile. My dispute letter included an FTC report. My dispute letter was ignored by Equifax. I later submitted a complaint with the CFPB on XX/XX/XXXX. Equifax responded to my complaint on XX/XX/XXXX stating that the fraudulent inquiries were deleted from my credit profile including the inquiry from XXXX XXXX. As of today, XX/XX/XXXX all inquiries were deleted except the inquiry from XXXX XXXX. I have contacted Equifax for the past month about the removal of the inquiry as stated in their response to the CFPB, but they have yet to remove it with no further explanation. I have filed numerous disputes and provided an FTC report. Equifax has failed to do what they stated and this has continued to affect my credit report.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX ( formerly known as XXXX XXXX ) and I presently have a mortgage for my home on XXXX XXXX XXXX. The mortgage providers are called TRUIST '' formally known as Suntrust ''. To make regular payments on my mortgage, I set up an online direct deposit on XX/XX/XXXX. This payment system ensures that on the XXXX of each month, {$800.00} is to be distributed to TRUIST. 

On XX/XX/XXXX, my mortgage was sold from TRUIST to XXXX XXXX XXXX ( XXXX ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from XXXX regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). It appears that the months of XXXX, XXXX, XXXX have not been transferred from TRUIST to XXXX. All together, it totals an amount of {$2400.00}. Ive attached a copy of my bank history query from the last eight months which indicates each direct mortgage payment sent successfully to TRUIST and was never returned. 

I would also like to note that this isnt the first time Ive had an issue with TRUIST. On XX/XX/XXXX they issued a late fee to my account when they had in fact received a payment. After investigating, TRUIST had resolved the issue. This time, its not being resolved and they have not been responsive at all. 

Ive called both TRUIST and XXXX numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from TRUIST that would be greatly appreciated. 

I look forward to hearing from you. 

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

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof.

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form BankruptcyXXXX ( XXXX ) - ( XXXX ) Dismissed BankruptcyXXXX ( XXXX ) - ( XXXX ) Discharged Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount  : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # XXXX XXXX Status : Discharged Type : BankruptcyXXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the rec

ords maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of
such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

Before my apartment lease expired, I requested an inspection. They provided an estimate of {$550.00} for cleaning and paint, citing regular wear and tear. Although California law prohibits landlords from charging for regular wear and tear, I was willing to accept that charge. I was expecting to receive the remaining {$50.00} of my {$600.00} security deposit. However, I recently discovered that they not only retained the entire {$600.00} but also reported an additional {$250.00} as unpaid debt on my credit report. This debt is unauthorized, as they never communicated it to me, and I did not receive any receipts regarding this debt. I sent the collection agency a certified letter requesting validation of the debt, including receipts and documentation, as well as an explanation of the charges. However, I have not received any response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORPORATION account # XXXX 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 an account without my written instructions They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report
Product: Mortgage

Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX 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: Checking or savings account

I deposited checks I had given my brother cash for which totaled about XXXX. Because the checks were in my brothers name Chase FROZE THE ENTIRE BALANCE IN MY ACCOUNTS. I can not access any of my money. I cant pay bills cant get gas cant buy food. They refuse to unlock my accounts until I bring my brother into the bank. I could understand if they froze the check balance or REFUSE THE DEPOSIT BUT TO LOCK UP THE ENTIRE ACCOUNT ALL MY MONEY IS ILLEGAL IM ALSO FILING COMPLAINTS WITH THE BANKING COMMISSION AND NYS ATTORNEY GENERAL ... .. AND I WILL LET EVERYONE I GO TO COLLEGE WITH KNOW ON SOCIAL MEDIA NOT TO USE CHASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am noticing inaccurate information on my consumer credit report regarding XXXX XXXX. XXXX is reporting the account as OPEN with a {$910.00} balance. In the remarks section XXXX is reporting Consumer disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXX XXXX  as CLOSED with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
Experian is reporting XXXX XXXX  as CLOSED for {$1000.00} balance. In the remarks section Experian is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and 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 card or prepaid card

I was approved for the XXXX XXXX American Express credit card which had a bonus of XXXX reward points with {$5000.00} in purchases within first 3 months. I called up the number of my card and verified that buying Amex gift cards would allow me. So I purchased {$5000.00} gift card. 

The Amex representative in early XXXX again confirmed that I will be receiving XXXX in points within 4-6 weeks and now they are declining and saying I am not eligible for the points! 

Investigation number XXXX
Product: Mortgage

Truist Bank began servicing my loan effective XX/XX/2022. In the notice of servicing transfer letter than Truist Bank sent me on XX/XX/2022, Truist Bank instructed me to login to their website in order to create an account and pay my loan. 

On XX/XX/2022 at XXXX XXXX I attempted to create an account on the Truist Bank website through the instructions provided in the notice of servicing, but the website repeatedly suffered from a technical issue which prevented me on multiple attempts from creating an account. 

On XX/XX/2022 at XXXX XXXX I attempted once again to create an account on the Truist Bank website in order to pay my loan electronically, but faced the same technical issue that prevented me from creating an account. The technical issue originates from inadequate coding practices performed on behalf of Truist Bank in the way they validate existing user ID 's. I called Truist Bank at their toll-free Client Services Department telephone number and spent 12 minutes on hold until I was connected with a customer service representative. After explaining my issue, the representative stated they would transfer me to technical support, but they did not transfer me and instead put me back into the call waiting queue where I spent an additional XXXX minutes on hold until I was connected to a representative. The representative stated that they were not able to have a discussion with me, and ended the call. 

In doing so, Truist Financial has prevented me from creating an account in order to pay my loan online, which leaves me with no other option than to pay my loan via direct deposit, which requires mailing a direct deposit authorization letter, or mail physical letters to their address, incurring significant postage expenses on my behalf.
Product: Debt collection

Jefferson LLC constantly calls day and night claiming I owe XXXX XXXX over {$3000.00}. While I did get a XXXX  behind due to ID theft, I DO NOT owe them anywhere near that much as Id been paying on my computer for over 7 XXXX  years! 

I told Jefferson I would pay what I can when I can. But they call 5, 6, or more times per day every single day!!!!!! I block one number, they use another. Just in the past 2 years, Ive blocked them at least 242 times!!!!!!!!!! 
Please stop this!!!!!