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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
Product: Debt collection

In XXXX my student loan was forgiven by the lender. On XX/XX/XXXX I received a demand letter from a 3rd party Immediate Credit Recovery , Inc. ( hereafter ICRI ) of XXXX Ga. and use a XXXX Califonia address. In this day of Identity theft it is hard to believe anything that demands personal information in the mail particularly when you can not contact the company with the telephone number provided by that company. 
I have written them a letter. Contained in the letter they sent me referenced another company which I am informed and believe and thereon allege that they are an extension of the collection agency and not a valid company for complaints against that agency. 
1. without my knowledge or consent ICRI obtained my credit report, and information in violation of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) et.seq.

2. Then as an attempt to resolve this I made 3 separate phone calls on 3 separate days to the number provided and was disconnected without being answered each time.

3. I have now written a letter telling ICRI that this debt was forgiven over 19 years ago with the help of the Veterans Admin. 
As of the date of this complaint, I have not heard anything and I reserve the right to amend this complaint as facts become visible.
Product: Mortgage

I spoke with a customer service rep for Freedom Mortgage at end of XXXX to see options for assistance for my XXXX payment. Rep assured me they would take principal overpayment of previous payments apply it back to my loan and the payment was taken care of. I received notice on XX/XX/XXXX that I was delinquent. I Called and tried to figure out what happened. My credit dropped from a XXXX to a XXXX I was upset. They told me that they could see in the notes the conversation I had with their rep but she was incorrect and I it was my responsibility to pay ontime. Ive contacted them 3 times and they will not take any responsibility or fix the delinquency report. I have a 100 % ontime payment history. I cant even refinance at this point and get a decent rate with a different mortgage company because of my credit score. I have to stick with them even though I am extremely dissatisfied with the company and the way they handled the situation. I feel like I was misled and offered false information by a representative of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my updates, the incorrect information was still found in my Experian reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the account is blocked from my report as I did not benefit or receive any goods or services from this account. Here is the account I need removed/blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Item purchased at whats was supposed to be XXXX XXXX XXXX that belongs to sears at XXXX XXXX XXXX XXXX XXXX  il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery. I have called multiple times and have faxed requested documentation and was told it was received and still issue not resolved for paid item that i did not receive
Product: Student loan

First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.
Product: Checking or savings account

I previously banked with Truist bank where I used the account to receive a portion of my work direct deposits for savings purposes. XXXX sat pending for several days so on XX/XX/22 I attempted to access the account online and access was restricted trying to login to my account. I then contacted Truist customer service line and spoke with XXXX mentioned to call back in 24-48 hours for an analyst to review my account. 

On XX/XX/22 called and spoke with XXXX who mentioned no email was sent and the account was closed for XXXX weeks and no check had been issued. Advised I call back later in the day. 

Later that day I spoke with XXXX and was told this was an early warning service regarding fraud and the account was not closed. After being on hold for over an hour the line was disconnected. I called back and spoke with and spoke with XXXX and XXXX who said they cant help and to go to a branch. This was not acceptable as I had never been in a branch as everything was opened online. 

I spoke to XXXX and the a supervisor named XXXX who claimed Someone else is using the account and Fraud was evident. I ended up being disconnected after being on hold for XXXX hours. 

On XX/XX/22 I went to the XXXX XXXX branch and spoke with XXXX who told me the account was closed and a fraud warning from new accounts was present. He stated he would respond back when he heard something. 

I received no contact and called back XX/XX/22 and spoke with XXXX in the branch and was told XXXX was out of office and she would look into this. She returned my call XX/XX/22 and left a voicemail stating XXXX would reach out to me. 

I then reached out a few days later, but did not write down the date. I spoke with XXXX, a supervisor, and was told the account was in fact closed and she could not provide any further details but assured me a letter would be mailed as well as my funds distributed. 

No mail or phone contact was made by Truist and on XX/XX/22 I contacted the branch and spoke with XXXX and was told XXXX would reach out to me today. He did not return my call, but sent an E-mail at the very end of business hours stating Back on XX/XX/XXXX, I received an email back from our fraud department and they said that we can not reopen the account, can not give you the funds, and they could not give me a time frame on when they would be done with their research. They said that we are exiting the relationship with you and that you will be receiving a letter. There is nothing else that we can do at the branch level. 

I have not received a reply. At this point the bank is admitting my account is closed, but refusing to return my funds which I currently need to pay taxes and other end of year essentials that I was budgeting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX services was sold my 2nd mortgage account from XXXX XXXX. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Product: Debt collection

i checked my credit profile and noticed this company i have no relation to reporting negatively on my file. I have sent them letters by mail and not have recieved anything back, negative information still appearing on my credit report. please help this bad information is hurting my life
Product: Credit reporting 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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Equifax. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.
Product: Credit card

In XXXX  I re d XXXX letters from XXXX XXXX XXXX of a fraudulent pymt made on both access paying them off, immediately called credit card company as they wanted to pursue me for an illegal transaction. They determined it was fraud and closed both access. I pulled my credit report a few weeks ago to dispute the XXXX current seeings and both accts are not showing on my report like they shouldn't, then in XXXX I am now being sued and harassed by a debt buyer co. They will not listen to me they can.not show proof of anything other than bills w an account I have never had, sat on phone for them.to investigate and they to thus day have never called me back. I have asked for contract w my signature, transactions w my signature anything w my signature or anyone for that matter using mine or there signature they just continue to send the same stats and not even all of them. I did go to to police they looked at my paperwork and said they can't do a report since in XXXX  it was handled and doesn't show the original accts on my credit and to co tact your company, the debt co Scott and assoc sent q filing in court and asked for a continuance and was granted even tho I denied and wanted to show my paperwork Judge said it would be in by best interest they were still trying to fi d proof of debt, now 1 wk ago I get a XXXX XXXX  w a less amt and same acct number as first filing, went to court house and showed same acct but because there XXXX different dollar acts they will not remove it, I am beside myself as to what to currently do, it seems the debt buyers k ow I can't get a report because this happend a few yrs ago, a judge who will not listen to me or any reason, only one other card on my report had an issue to to not receiving an item but history will show I have paid all my other accts, and I wouldn't be fighting so hard to straightening this out but it is affecting my hojse, job etc. And no one will listen to me or instant me except the police who sent me to your company and also about 2-3 other debt companies as well are sending me collection letters, so multiple companies have bought thus debt??? I truly don't u derstand
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1960 Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate information that has been reported on my credit report by XXXX XXXX. I believe that my rights under the FCRA have been violated by the actions of this creditor, and I kindly request your intervention to address this matter. 

XXXX XXXX  | Account number : XXXX : Potential Violation : Inaccurate Reporting and Failure to Correct Relevant FCRA Section : Section 611 - Procedure in case of disputed accuracy I am deeply concerned that XXXX XXXX  has inaccurately reported information regarding this account on my credit report. Specifically, they have reported this account as updated when, in reality, nothing has been changed. The same incorrect information continues to be reported, and there has been no actual update to the account. Furthermore, incorrect late payments are still associated with this account, which is negatively impacting my creditworthiness. 

This situation has caused me significant distress and concern, as the accuracy of my credit report is of paramount importance to my financial well-being. I have diligently managed my credit responsibilities, and I expect creditors to accurately report my financial history. 

As a consumer protected under the FCRA, I am entitled to a credit report that is free from inaccuracies and errors. I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to take appropriate action to correct these inaccuracies. 

I kindly request that you enforce the provisions of the FCRA in my case and ensure that XXXX XXXX promptly corrects and updates the information associated with this account. The accuracy of my credit report is essential for my financial stability, and I trust that you will take the necessary steps to rectify this situation. 

Thank you for your time and attention to this matter. I look forward to a timely resolution that will help me regain the financial security that has been compromised by these inaccuracies. Please feel free to contact me at [ Email Address ] or [ Phone Number ] if you require any further information or documentation from my end. 

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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : XXXX  XXXX XXXX $ XXXX Account Info/account number- XXXX Open/ closed Date opened XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX Account info/Account Number - XXXX OPEN/ CLOSED XX/XX/XXXX date opened Experian : XXXX XXXX XXXX 
{$7200.00} Account info/ Account Number XXXX XX/XX/XXXX date opened PAID/ CLOSED Experian : XXXX XXXX {$2700.00} Account info/ Account Number XXXX XX/XX/XXXX date opened OPEN XXXX : XXXX XXXX {$2700.00} Account info/ Account Number XXXX Date Opened XXXX, XXXX OPEN XXXX : XXXX XXXX  XXXX {$6200.00} Account Info/ Account NumbeXXXX Date Opened XX/XX/XXXX Closed XXXX : XXXX XXXX  {$7200.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX Closed XXXX : XXXX XXXX  : {$2700.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX OPEN
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and the Fair Credit Reporting Act.

You must delete and block all fraudulent entries within 4 business days. Failure to comply will result in immediate legal action seeking : - Statutory damages of {$1000.00} per violation - Full recovery of actual damages - Attorney fees and court costs
Product: Consumer Loan

I renewed the lease on my car, and my state requires that taxes associated with that are paid up front for the duration of the lease. I made the full payment for my car for the month, but I was not able to include the taxes associated with this. Honda applied my payment to the taxes, not the car, and then reported me 30 days late. I called Honda and they acknowledged that the payment should have been applied to my car payment and not the taxes, so they removed the 30 day late. However, I renewed my lease payment again, they applied my payment to the taxes and not the car payment again, and I have a late on my credit for this reason again in XXXX 2017 with XXXX. I would like to see the 30 day late removed, for XXXX as I did make my car payment, just not the payment for taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for anything with my credit and have just now been able to get into to check my credit score. Its showing 6 bad accounts on there which do not belong to me I never signed up for anything never knew how to. I am XXXX and feel I have been stolen from. I am on XXXX XXXX and I have always had state insurance where everything has been paid.
Product: Debt collection

Loan was paid in full, Ally sold the loan to a debt collector, I contacted them and told them the vehicle was paid off a year ago, when we trade it in, they said they would note the folder, but keep contacting.
Product: Debt collection

I live in XXXX XXXX in XXXX, XXXX for almost five years. My lease was nearing expiration and I am a XXXX veteran and decided to relocate near my family in XXXX, XXXX. I wrote on my last money order to XXXX XXXX that I would not be re-newing my lease. When I did go to talk to the Leasing Office, they said I did not fill out the notice to vacate form. I did not know I had to fill out this form. It was in the fine print of my lease agreement but I did not notice that part. I begged and pleaded with management to not charge me for rent if my lease was up and I was actually moving. I have never been late on my rent or gave the management any issues. I was so upset when this showed up on my credit in collections. Not only did it showed up on my credit but my XXXX year old son, who is a college student. I am an XXXX veteran living on a fixed income. I can not afford to pay IQ Data Collection agency over {$2000.00} in charges and I dont think its fair that XXXX XXXX charge me this amount. My rent was only about {$1300.00} per month when I lived there. I am requesting that the company remove this debt from my son and I credit and allow us an opportunity to work this out with XXXX XXXX or walk away from this debt fully. Our lease was up in XXXX 2015 and that is when we officially moved out.