23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was was alerted by Experian that there was a new loan on my credit file, I tried to contact XXXXXXXX XXXX and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone name.
Product: Mortgage

I have a mortgage with Truist Bank ( formerly SunTrust Bank ). The bank 's recent merger means my online account now logs into the Truist website. But especially back in XX/XX/XXXX, the new website was not as intuitive or functional as the former SunTrust website. The new website was ( and still not ) as clear as the old website in informing that a payment was scheduled and what the amount was stipulated. 


This means when I logged into my SunTrust account back in XXXX only to find it have " updated '' to the new website and the new " shiny '' but unintuitive design of the website. But nevertheless, I follow the " Make a payment '' button, selected XXXX to schedule my " Monthly payment '' and " Additional principal '', and scheduled my payment for XX/XX/XXXX. The scheduling for XX/XX/XXXX is ahead of the XX/XX/XXXX due date ( and XX/XX/XXXX grace period date ). 


However, the system apparently only scheduled the " Additional Principal '' and nothing else. Thus, XX/XX/XXXX only accepted a {$100.00} payment while the " Monthly payment '' of {$500.00} was not processed. When I scheduled the payment, there is no UI that tells you amount that was scheduled. Even now ( as of XX/XX/XXXX ), if you schedule a payment ahead of the Due Date, the XXXX informing scheduling and amount of the " Payment '' is not visible in the " Make payment '' section, nor the " Activity '' log of the Account view, nor even the " Home '' tab of the website. You have to go the Quick Link under the Home tab > Click " Transfer money '' > and then click " Manage transfers ''. 


Only that area show " scheduled '' mortgage payments ( unintuitively as " transfers '' ). It is notable even now, I only see the completed " transfers '' of only the " XX/XX/XXXX Payment '' for the Mortgage Payment Due XX/XX/XXXX and the " XX/XX/XXXX Payment '' for the Mortgage Payment Due the XX/XX/XXXX. 

This is likely evidence that the system to view scheduled payments even through this hidden way was not yet working in XXXX. 


Thus, when I attempted the schedule the payment, I was left unaware of any issue. Since I operated under the belief that I paid correctly, I did not check the website during XXXX but checked XX/XX/XXXX to pay within the grace period of the XXXX payment. But this point of time, this mean I was already " delinquent '', locked from online payment where I must call-in to pay, and was report to Credit Agencies XXXX 


I paid all overdue and due debts on XX/XX/XXXX via the phone. But the missed payment was still caused by a lack of feedback ( and possible glitch ) in the new Truist bank system. I opened a case with Truist bank to reverse the report to the credit agencies but was denied XXXX. The latest denial is informed to me via letter dated XX/XX/XXXX.
Product: Debt collection

Debt collector sends initial FDCPA notices via email, but does monitor or respond to emails sent by consumers. Debt collector sent initial notice via email in XXXX, XXXX. A dispute was sent in response via email on the same day. Debt collector continued to make collection calls without verifying or validating the debt ( which is in fact a claim for damages by a former landlord, not a valid debt supported by contract or legal judgment ) until a demand letter from an attorney was sent in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX was the date our loan was due to Truist. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with Suntrust XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that Truist put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$XXXX} - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Credit card

Even making the slightest suggestion that I need the services of an attorney to coerce Wells Fargo ( XXXX ) to identify the creditor ( s ) who allegedly made a {$65.00} charge to my Wells Fargo credit card, shows how absurd and the extremes Wells Fargo will go to in order to hide its errors ( please see the attachments ). 
Wells Fargo will spend endless man-hours to hide its mistakes by creating irrelevant documentation and intentional misdirection to avoid the few seconds it would take to review their computerized file in order to give me ( their customer ) the name, transaction date and reference number of the creditor ( s ) who made the {$65.00} charge ( if such a charge really exists ). By now, I have every reason to assume Wells Fargo purposely committed fraud and would hope the FTC would conduct an investigation ; I may not be the only customer. 
Lets be reasonable, who will hire an attorney to get a simple explanation for a {$65.00} charge? I am not questioning that I owe any legitimate charge, I am simply asking for that creditors identification and for what was allegedly purchased that totaled {$65.00} ( how many ways of communication must I use to get Wells Fargo to comprehend my repetitious demand over the last 5 months ). And Wells Fargo expects customers to hire attorneys for that rudimentary expectation/legal requirement/ basic customer service ; the public should be warned. 
Despite their claims of a thorough investigation and multiple levels of review, Wells Fargo still can not explain the {$65.00} charge and in fact, avoids addressing it altogether ( as though its a proven fact that they can build penalty fees upon ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Synchrony Bank about two weeks ago in reference to them closing my QVC credit card and they RETALIATED by lowering the credit limit to my JC Penney credit limit amount. It went from XXXX to XXXX using the excuse that my income was too low and I had too many credit cards on file. 

I pay my bills every month on time so that never should have been a problem.
Product: Mortgage

To whom it may concern, We are currently trying to have a subordinate lien removed from the title on our home. 
It was placed there back in XX/XX/XXXX. 
We had fallen behind on our mortgage when my husband lost his job. 
We were told that it was just being added to the backend of our loan and only became aware of the lien last year when we tried to refinance. We later got on track and about or around XX/XX/XXXX our loan was purchased by Bank of America. 
We had been struggling to make ends meet and inquired about doing a modification on our loan with them. 
They said the only way to do that was to stop making our payments. 
So reluctantly on their advice we did. 
We were told we would receive documents to start the modification process soon. 
We waited and called to follow up weekly. 
We were told to be patient that there were a lot of loans being modified and they were on overload. 
Several months in we became scared of going into foreclosure. 
Still no modification paper work. 
At this time we got help from family to get caught up and called BofA to cancel the modification. 
Again we were told we would receive paperwork and never received anything. We later discovered that in XX/XX/XXXX BofA did a forgiveness for all the people that had fallen behind due to their failure of completing those modifications. 
We believe we should have been part of that forgiveness. 
We have pursued this with them multiple times. 
They said the reason we were n't included is because we were n't behind on our loan at the time they did the forgiveness. 
We feel that it is completely unjust that they are penalizing us because we tried to do the right thing! 
They promised us the modification that never happened! 
We have been in our home for 20 plus years and have no intention of selling! 
We feel that BofA should have included us in this forgiveness and had the subordinate lien lifted from our home. 
They said a company named XXXX had to lift it. 
In contacting XXXX they said BofA had to do that. 
So it 's been a ping pong game for the last year! 
We feel completely mislead by BofA and strongly feel that they need to rectify this situation. 
Our loan was with them at the time they did the forgiveness and we were completely cheated out of that opportunity to start with a clean slate. 
We have been wanting to refinance to try to consolidate and possibly lower our monthly payment. This subordinate is holding us back and we need help!!! Please whatever you can do to lead us in the right direction would be greatly appreciated!!! 
I have done a lot of research and it seems that we are not alone in being mislead by BofA. Please help us to right this wrong!!
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 

I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your Company WFBNA CARD XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.
Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Mortgage

I purchased my property in 2007 for {$330000.00}. Last year I had the property appraised at {$360000.00}. I have paid down my mortgage and now have a balance of approximately {$200000.00}. I have submitted at least six requests to my lender to cancel the PMI and they continue to indicate I have not paid down my mortgage to the required XXXX % LTV ratio. I need assistance.
Product: Debt collection

I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX 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 : TransUnion Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX 
Current Creditor : XXXX XXXX XXXX, XXXX
Product: Debt collection

I received notice from Zions Debt Holdings collection company on Saturday, XX/XX/XXXX at XXXX ; Stating owed XXXX XXXX XXXX {$1000.00}. 
during the communication Zions Debt Holdings stated that " collection, late payments, delinquencies, and judgements stay on a credit report 7 years. Bankruptcies stay on for 10years, and account closed stay on for 10 years. Tax liens stay on indefinitely. 
they went on to say that this was not a new collections, even though this was this was the first they contacted me. 


I had a contract with XXXX back in XXXX. I cancelled the contract on XX/XX/XXXX. XXXX closed and cancelled the account in XX/XX/XXXX. 

On XX/XX/XXXX Zions Debt holdings sent me another notice to pay. I called XXXX today XX/XX/XXXX and spoke with a person named XXXX. XXXX informed me that XXXX did not sell this debt to Zions Debt Holdings ; Most of all, they stated they do not sell to their debt to collections agency. 
XXXX advised me not to pay Zions Debt Holdings claim this to be a scam. 

Zions Debt Holdings has since reported me to all the credit bureaus. I disputed XXXX and lost. I was denied a private student loan through XXXX XXXX to attend XXXX on XX/XX/XXXX. 

I am asking you to investigate Zions Debt Holdings and repair my credit by removing their collections on all three credit bureaus. 

Zions Debt Holdings address is XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number XXXX XXXX XXXX XXXX Account number for XXXX is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.