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

Giving another opportunity to validate and verify these accounts and make the necessary corrections. By law, I have the right to request the validity of these accounts be investigated for accuracy per the FCRA Law guidelines, yet I have not received anything as to the validation of these accounts. I am requesting a re-investigation of these accounts be made and proof of validation be sent to me, including who was spoken to and what documents were provided to validate and substantiate the debts belong to me as they do not. Experian, XXXX and XXXX are breaking the law. I have proof that they never re-investigated my disputes also. Please delete these accounts! The following accounts and companies are in violation : XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4500.00} XXXX Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7800.00} XXXX Account charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. XXXX Date opened XX/XX/XXXX Balance {$550.00} Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$7200.00} Status Account charged off. {$7200.00} written off. {$7200.00} past due as of XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$32000.00} Status Account charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$190000.00} Status Open. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} Status Collection account. {$3600.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$33.00} XXXX account number XXXX XXXX XXXX  XXXX account number XXXX Macys-account number XXXX XXXX XXXX account XXXX XXXX and inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX
Product: Debt collection

I contacted the collection agency in regards to my credit report over 30-days ago. I told them this account should be included in my bankruptcy. However they have not updated the information accurately. The are still reporting the account as OPEN which is should not be reporting as an OPEN COLLECTION ACCOUNT. This information is not accurate AT ALL.
Product: Checking or savings account

I closed my corporate account with the Truist Bank branch located at XXXX XXXX XXXX, XXXX, FL on XX/XX/2022. The bank balance was {$0.00} and my online privileges were lost at that point. 
On XX/XX/2022 Truist reported that a transaction was made on my closed account for {$0.00} and again on XX/XX/2022 for {$52.00}. These fraudulent transactions were authorized by Truist Bank, XXXX weeks after I had already closed my account. 
The bank then proceeded to charge a further {$100.00} in fees and bill me for it. 
I reported these transactions as fraud to the bank branch and then again to their Fraud office. They rejected the fraud claims and have now sent the bill to a debt collector. 

Clearly, some staff member sold my account information to a crook who then executed these transactions on my account. 

I would advise customers to stay away from doing business with Truist Bank, as they are untrustworthy and engage in shady practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am entitled to a free report from TransUnion every 7 days per the new covid regulations put in place. I have tired to obtain my credit report from TransUnion through the free annual credit report website and have been denied several times. That is unfair. TransUnion needs to make my reports available to me electronically immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I apoliogize for the inconvenience but when I spoke to XXXX It was my understanding that XXXX would send a copy of all my transactions with XXXX.I have not received them.My interest rate was always 18 % with XXXX which was high.I did not open a credit card nor did I have any idea that I was paying 35 % interest.XXXX  is skating around the subject on this matter.I am requesting the cfpb 's help in getting these documents because I want to see exactly what I signed.I also want the cfpb to reveiw the documents because I haven't signed anything acknowledging that I would have a {$99.00} annual fee or that I would pay 35.99 % interest.XXXX acts like they are doing me a favor by removing a fee that should have never existed.I didn't realize that XXXX closed my account on in XX/XX/year> even though my debt had never been late.I found the account closed while pulling a credit report.My credit report states my fXXXX account was closed by consumer which is another lie. How does XXXX charge a {$99.00} annual fee on a closed account that they closed for no reason? It is my understanding once an account is closed an annual fee can't be added. XXXX clearly states they will continue to charge them if My balance isn't XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my ongoing dispute regarding a collection item that is being reported exclusively by TransUnion on my credit file. As of my last communication, this matter remains unresolved, and I am increasingly concerned about the impact it is having on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX, account XXXX Sps mortgage, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All are fraudulent inquiries
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

I submitted a complaint on XX/XX/year>. complaint ID XXXX I have not received a resolution and my account balances are still displayed incorrectly. MOHELA said they will fix the problem in weeks and then it appears CFPB closed the complaint. this issue was never fixed. please reopen the complaint and contact mohela again to fix it. its been 5 weeks now from when i filed the CFPB complaint. whats the point of this complaint process if you just close it without fixing anything?
Product: Debt collection

A collection agency sent an email on XX/XX/year> informing about a debt of {$370.00} which I was not aware of, since the place where that supposedly debt comes from is a XXXX XXXX XXXX in which I have not lived there for XXXX  years and I had never received a debt notification from them.
Product: Mortgage

" In XXXX, me and husband ( a veteran ) purchased a home with a down payment from me. Husband left in XXXX ( and passed in XXXX ) and since then, I had been paying the mortgage. 
In XXXX of XXXX, I was offered, and accepted, a COVID Forbearance on VA loan to help me manage loss of income due to COVID. When it came time to come out of the forbearance, I was told I would be granted a program to refinance the remainder of the loan and use a VA partial claim to pay off a portion of the balance so that the payments on the refinance would be affordable. When they attempted to move forward with this program there was a title issue. This title issue caused a delay and by the time it was fixed ( XX/XX/XXXX ) the original underlying mortgage had matured ( XX/XX/XXXX ). The bank is now telling me the only option is to pay the loan in full, or foreclose. I've reached out to the VA but when the mortgage matured, they stopped returning my calls. Foreclosure proceedings will begin on XX/XX/XXXX. ''
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to Experian, XXXX, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in XXXX day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with XXXX do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX energy and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

Since XX/XX/XXXX, my employer has been sending $ 400 monthly to Edfinancial. However, Edfinancial has only cashed one check for XX/XX/XXXX, leaving {$3600.00} unaccounted for. My employer can not reissue the funds until Edfinancial returns the uncashed payments. Despite contacting Edfinancial on XX/XX/XXXX, they indicated that the missing checks are likely in a pile and will be credited eventually. When I asked to investigate further, I was denied, and my employer 's protocol states that checks should be returned after 90 days if uncashed. These funds have been missing since XX/XX/XXXX, resulting in unnecessary interest charges on my loan due to Edfinancial 's delayed resolution.
Product: Money transfer, virtual currency, or money service

I am writing to file a claim formally regarding an issue I encountered with a series of Zelle transfers conducted through my XXXX  XXXX XXXX account. Unfortunately, due to a lack of confirmation on where my funds would be sent, I have lost a total of {$300.00} across three separate transactions. 

Details of the Issue : I initiated three Zelle transfers through my XXXX  XXXX XXXX account, totaling {$300.00}. 
At no point was I provided with adequate confirmation regarding the recipient or final destination of these funds before completing the transfers. 
As a result of this lack of clarity, I believe the funds were sent to an incorrect or unintended party, leading to my financial loss.
Product: Credit reporting or other personal consumer reports

v '' The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Payday loan, title loan, personal loan, or advance loan

GoodLeap did not send me an email on XX/XX/XXXX to remind me that the " no interest '' due on Loan of XXXX, account # : XXXX will expire in XX/XX/XXXX. I was sent first Email from XXXX of this account # XXXX date XX/XX/XXXX in the amount of {$240.00}, due XX/XX/XXXX. I spoke to several Several Supervisors, XXXX was one of them who told me that he would waive the interest rate if I pay in full {$15000.00}. Which I did on XX/XX/XXXX. Unfortunately, I got another email on XX/XX/XXXX indicating that I owe {$2700.00} for interest rate not paid from the loan : acct. # XXXX. GoodLeap phone number is : XXXX, address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a collection account with XXXX XXXX XXXX in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : 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 card or prepaid card

Citicard closed all of 3 of my accounts when only 1 had an overdraft due to a banking issue. This led to me losing rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX  Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to remove incorrect address from my transunion credit report with no resolution. At this point I do not know what to do. What recourse do I have to hold these Credit reporting agencies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Product: Debt collection

XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

This account was unable to be validated and the debt collector told CFPB on another complaint that this account was not validated with the previous proof provided and said they deleted the accounts from reporting on the credit bureau reports. The information is still showing to this date on my equifax credit report that it is in collections. It has not been deleted as they previously told CFPB.