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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.
Product: Credit card or prepaid card

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

On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank. 

In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance. 

On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ). 
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ). 
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ). 
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ). 

I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$190.00} XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Outstanding balance of {$4900.00} reporting on my credit report. Unverified account. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC SYSTEM is FRAUDULENTLY and ILLIGALLY attempting to collect monies for which there IS NO SIGNED CONTRACT nor ANY EVIDENCE that they're entitled to. 
IC SYSTEM has DAMAGED my credit report with their BOGUS and FRAUDULENT COLLECTION. 
I want this IC SYSTEM fraudulent collection REMOVED from my account immediately and NEVER re-appear again. 
Should IC SYSTEM fail to remove their FRAUDULENT collection off my credit report, I will have no choice but to file a lawsuit against IC SYSTEM in the State of Michigan. 


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

I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 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. 
Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Product: Debt collection

I am writing to dispute the charge-off status of an account and unauthorized inquiries on my credit report, which has been designated as such due to fraudulent activity. I have recently discovered that this account was compromised, leading to unauthorized transactions and late payments that were not initiated by me. I am providing the details below for your review and necessary action. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX Inquiry Date XXXXXXXX PLEASE DELETE!!! 
XXXX Inquiry Date XX/XX/ - PLEASE DELETE!!! 
XXXX Inquiry Date XX/XX/23 - PLEASE DELETE!!! 
XXXX Inquiry Date XXXX  - PLEASE DELETE!!! 
XXXX XXXXXXXX Inquiry Date XX/XX/ -- PLEASE DELETE!!! 

Upon reviewing my credit report, I noticed that the above-mentioned accounts have been charged off, and I want to bring to your attention that the circumstances leading to the charge-off were a result of fraudulent activities. I did not authorize the transactions associated with this account, and I have taken immediate steps to report the fraudulent activity to the creditor. The same with unauthorized inquiries that remain on my report which I do not have knowledge of at all. 
I am requesting that you conduct a thorough investigation into this matter and update my credit report accordingly. Per the FCRA, I understand that you are required to investigate and respond within 30 days. I ask that you expedite this process given the urgency and the impact on my credit standing. 
If the investigation reveals that the late payments and charge-off status were a result of fraudulent activity, I request that you remove the negative information from my credit report and provide me with an updated and accurate credit report.
Product: Student loan

To Whom it May Concern : This is concerning my private student loan disbursed by Sallie Mae that spit into ( 2 ) companies known as Navient corporation. It has recently come to my attention that there are multiple lawsuits concerning Navient Corporation, a nonbank that owns and services student loans. The Bureau alleges that Navient Solutions and Navient Corporation engaged in abusive and unfair acts and practices in violation of the Consumer Financial Protection Act of XXXX ( XXXX ) by steering borrowers experiencing long-term financial hardship into forbearance, a costly option designed for borrowers experiencing short-term financial hardship, instead of adequately advising them about more beneficial income-driven repayment plans. 

I attended XXXX back in XXXX - XXXX and Im still paying on my loan as of today. The original loan amount was just shy of XXXX. My mother took out a loan and I signed one for myself at the age of XXXX to attend a trade school named XXXX XXXX XXXX located in XXXX XXXX. Ive been paying on the loan for quite some time until I ran into a long-term financial hardship due to a XXXX XXXX XXXX  I called Navient to see what could be done and they suggested that do a forbearance instead of offering me another low-cost program that would be cost efficient and conducive to my overall financial situation. This original loan of {$9000.00} is now at {$14000.00} and still accruing interest at an alarming rate! 

The Bureau also alleges that Pioneer and Navient Corporation engaged in deceptive acts and practices in violation of the CFPA and Fair Debt Collection Practices Act by misleading borrowers about the effect of loan rehabilitation on their credit reports and the collection fees that would be forgiven in the federal loan rehabilitation program. On XX/XX/XXXX, Navient moved to dismiss the complaint, which the court denied on XX/XX/XXXX. On XX/XX/XXXX, Navient filed a motion for judgment on the pleadings, which the court denied on XX/XX/XXXX. On XX/XX/XXXX, the Bureau filed a proposed stipulated judgment and order, which if entered by the court, would require defendants to pay {$100.00} million in consumer redress and a {$20.00} XXXX penalty. The order would also, among other requirements, permanently ban Navient from servicing Direct Loans, prohibit Navient from conducting consumer-facing servicing activities for Federal Family Education Loan Program ( FFELP ) loans, and permanently ban Navient from acquiring additional FFELP loans. 

Due to the negligence and deceptive practices from this company thats been banned to even servicing loans, I ask that this account be removed as a courtesy and compensation for being misleading and causing a colossal financial disaster in my family. I tried to log into my Navient account today and it allowed me to retrieve my user name and a temporary password but when I attempted multiple times to login, the website stated that there was no account found! This is very frustrating on my behalf and unprofessional and negligent on the businesses end. 

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

XXXX transunion and XXXX is reporting a XXXX  late payment for XXXX and I was never late and they will not remove my late payment its very frustrating now
Product: Credit reporting or other personal consumer reports

The listed account continues to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against them if they do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00}.
Product: Checking or savings account

On XX/XX/2024 Me and my uncle called chase and asked could we deposit a third party check. They instructed us that we could. On XX/XX/2024 I deposited the check for {$3500.00} and my account was restricted the same day. Upon calling Chase bank I was told that check payee needed to be verified via phone number. I explained the situation where he couldnt be verified via phone and I was given a few options. I was told to bring my uncle in with a hold harmless letter and gave it notarized by a chase employee in which he did. Im now being told that that wont suffice when I was specifically called by a chase supervisor and was told this was the only way. I have been told numerous things from employees everyday I call so its so confusing!
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.
Product: Credit reporting or other personal consumer reports

Rent Recovery Solution. Dear XXXX, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I contact the credit bureau and the credit card companies to dispute the fraudulent accounts that are on my credit file. I made the bureaus aware that I did not authorize any of those accounts nor did I give them permission to furnish those fraudulent accounts on my credit file while is a violation of the law and my rights as a consumer and I wish that all accounts in question be removed from my credit profile. As per the FCRA, is a violation of the law to report false and inaccurate information on a consumer report. I'm requesting that these accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}
Product: Credit card

hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/2023 I made my mortgage payment to Mr Cooper aka Nationstar mortgage. I made a major error over paying my account # XXXX The payment was for {$1300.00} I made the huge error of paying them {$13000.00}. I notified them of my mistake on XX/XX/2023 By phone and ask for my overpayment to be returned. They said they would said it would take 3-7 business days.Did not get my money back. Called them a few days later. Was told to send a canceled check with the Banks information. Waited a few more days and called to ask where was my money. They Told me because it was over {$10000.00} dollars they needed a copy of my monthly statement which I faxed and emailed copies to the number that was given to Me. It is XX/XX/2023 and still have not received my money to Me. Please help me get my money back. Received my mortgage statement today they paid my XXXX payment. Put the rest of the money on my Principal.It cost me {$25.00} dollars to fax the bank statement to them at XXXX. Not to mention the cash advance from my bank.Called today was told the person handeling this now is XXXX XXXX her phone is XXXX Please Help Me XXXX XXXX
Product: Checking or savings account

There was a breach of my card number through my checking account with the bank. Large sums of money was stolen out of my account at multiple ATM locations. When I noticed the unauthorized transactions I immediately contacted the bank to notify them within 48 hours after noticing the unauthorized transactions. I provided the bank with all evidence to show that I never made those transactions neither did I ever visited that bank in the past. I corroborated this information to the bank. I sis everything to communicate this fraud. The banks response was they found no errors. I dont know what else to do. Please help. Below is correspondence. Many attempt were made by me to work with the bank for at lease a provisional credit and a continuing investigation on how this happened. 

Fax number - XXXX Email - XXXX Mailing - XXXX XXXX  XXXX, XXXX TX XXXX XXXX XXXX Supervisor, Customer Experience Netspend XXXX XXXX A Global Payments Company I made a police report with the XXXX detective XXXX XXXX XXXX ( XXXX ) XXXX XXXX I file a claim of identity theft with the FTC XXXX to ensure no other information was stolen or breach by the bank this all started with.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened was someone bought something under my credit on XX/XX/2022. The amount spent was 3,650 the companies name is AQUA FINANCE INCXXXX And the other amount spent was 5,295 and the companies name is XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or not made transactions with these accounts. Attached with FTC
Product: Mortgage

My parents had a reverse mortgage through Finance of America, Reverse out of XXXX, Michigan. I spoke with their local contact, XXXX, prior to their deaths to see what I needed to do to keep the house after they pass. He gave me my options and assured me they would be able to work with me to keep the house. 

Both parents have now passed and I have requested an extenstion to pay off my parents reverse mortgage after their deaths, as XXXX and I had discussed. I have sent requested paperwork from my mortgage lender, but I still keep receiving letters in the mail requesting documentation. 

I am not getting responses to email when I send documentation. 

I have tried for weeks to make contact with XXXX, my local contact with Finance of America, Reverse. When I call, a generic recording states that they are experiencing high call volumes and to call back at a later time. This has happened for weeks now. The only other number I have is to a call center. I have called and spoke with someone there, but there is a strong language barrier that makes problem solving and understanding difficult, and they can only give me a scripted answer. 

They are not holding out to be the company they promised to be.