23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Three 3 Fraud Accounts Where Open With Citi Bank Checking And Saving Account Where Open At Citi Bank Without My Permission With Fake Accounts Signature with my Name Citi Banks Denied To Resolved this Risk and there are not Helping me with this problem. and they Claim That there was never any Fraud at Citi Bank with my Information Bank Persist that the Signature match someone else copy my Signature to open Fraud Accounts With Citi Bank Someone Stole My Identity and Signature and used it to Open This Account Fraudulent and My Social Security Number Was Stolen and also there was Fake Checks Deposit to those Accounts. My Ex Boy Friend Stole My Identity And Stole My Signature and Open This Accounts and Citi Bank is Not Helping and did not closed the account marked as Fraud??
Product: Debt collection

I had closed my service with XXXX. The representative told me to wait until the equipment fees cleared to pay my final bill. The final value is due XXXX XXXX, 2015. Sunrise Credit Agency called me stating they owned debt and demanded I pay them {$470.00}. They refused to put it in writing. They continue to call. I paid XXXX the remaining value and cleared the outstanding balance. The XXXX representative did not know who sunrise credit agency was, why they would have the account, or why they would call. She suggested I report the company for false collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS THAT I WAS REPORTED LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my background report from First Advantage through XXXX for pre-hire. 'Felony and misdemeanor ' out of XXXX XXXX AR is inaccurate and incomplete. This 'charge ' has been abandoned and should actually not even be negatively reported, whatsoever, and affect myself negatively being that the inaccuracies and incompleteness that were reported where not reported by me but affect me negatively ... ... .The 'Case date ', 'Disposition ', and 'Disposition date ' are incomplete/inaccurate and seem to been done hurriedly and shotie. The disposition date is the same as the case date, but there has been no disposition date nor will there ever be a plea of guilt or innocence. And under 'disposition ' where 'guilty ' should reside ; it states 'pending court date not available '. This should actually ( in my eyes XXXX be illegal to be reported as it has been, seeing that definatives have been switched intentionally to 'lock down ' a final negative report of a charge that I have never been convicted of. If you can help myself on my report and? reissuance to XXXX? it would benefit me for the future.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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: Debt collection

i was checking my credit report and there was collection from ERC for a  XXXX  cellphone company for the amount of  XXXX  dollar and i never had services with  XXXX  i am with  XXXX  i did never go with  XXXX  how they can do that and they have no information about my birthday or ss number so how they know its mine theses bad
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX has violated Texas state law, and when I filed a complaint with the Attorney Generals office of Texas I was directed to file a complainant with yall. 

On XX/XX/XXXX I took my daughter XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an exam. I was told she needed extensive work done on her XXXX. We scheduled an appointment for XX/XX/XXXX for the procedure and pre-paid {$350.00}. When we arrived I was told we needed to pay the bill in full before any work could be done. I was told we owed {$1000.00} so I paid the requested amount with a credit card. After that the proceeded was completed and we left. 

I never heard from XXXX XXXX XXXX XXXX XXXXXXXX again, no emails, phone calls, or letters in the mail. At the end of XX/XX/XXXXXXXX  I received a bill in the mail for {$350.00} from them. The bill was dated XX/XX/XXXX and had no explanation for what it was for. Just a demand to pay in 15 days or it would be sent to collections. 

According to Texas state law : " CIVIL PRACTICE AND REMEDIES CODE TITLE 6. MISCELLANEOUS PROVISIONS CHAPTER 146. CERTAIN CLAIMS BY HEALTH CARE SERVICE PROVIDERS BARRED Sec. 146.002. TIMELY BILLING REQUIRED. ( a ) Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the XXXX  day of the XXXX month after the date the services are provided. : ''. This bill was sent 1 year and 7 months after the services provided and violates Texas state law. 

I called their billing department and explained this to them and the refused to accept that they violated state law, and demanded I pay. I asked to speak to their supervisor and was told he was busy, I then asked for their supervisor to call me back and I was told no that they would not call me back to discus this further, then they hung up on me. 

They have now sent this to a collection agency ( Tek Collect ) who is harassing me for this illegal bill. As stated I contacted the Attorney Generals office and also my state representatives and was told I should file my complaint with yall. Please find attached all documents I have regarding this. Thank you for your time looking into this matter.
Product: Debt collection

I wrote Convergent Outsourcing who are associated with XXXX regards to an a account in collections on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for a debt Validation. On all 4 attempts they refused me of a debt Validation and Verified the debt. Debt validation and verification of debt are two different requests. As a consumer I am entitled to a validation. In all for of my letters I specify that I want a validation and not a verification. I wrote it in English words. Also they are reporting on my credit profile that day opened for the debt was XX/XX/XXXX which is not true account was opened XX/XX/XXXX of XXXX. The day opened should not go off when Convergent received the debt, date opened should go off when the actual debt was opened. That is called Re-Aging the debt. As a consumer I am entitled to validation which was not given by Convergent Outsourcing or XXXX on 4 different occasions. As a consumer I am entitled to factual & truthful information to report on my credit profile according to FCRA. The 45day day mark has come & gone for the company to validate the debt. Its XX/XX/XXXX and the company has yet to validate the debt since I first wrote them on XX/XX/XXXX. I have all the paper work Ive sent them and all the paper work they sent to me and the 2times they responded they responded with debt verification which is not a validation.
Product: Student loan

I have a NFLP loan. I am in my 2nd round of appeals from ECSI. They inappropriately denied year 3 of loan forgiveness. The escalation team member agreed it should have been approved but upper management disagreed. Every year prior I had issues with them applying forgiveness that eventually got resolved. 

Full time XXXX XXXX job Started XX/XX/XXXX. Graduation date XXXX XX/XX/XXXX. 
Year 1 forgiveness XX/XX/XXXX XXXX XXXX XXXX approved Year 2 forgiveness XX/XX/XXXX XXXX XX/XX/XXXX approved Year 3 forgiveness XX/XX/XXXX XXXX XXXX XXXX inappropriately denied. 

Reason my employment ended XX/XX/XXXX but that is after the year of service that was completed XX/XX/XXXX. My changing of employment should only effect year 4 forgiveness. New full time XXXX job begin XX/XX/XXXX. I can include all documents submitted to them.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I checked my credit report and seen some inaccurate information for a XXXX dollar medical bill.
Product: Mortgage

On XX/XX/2021, I closed on the purchase of an investment property with XXXX XXXX. XXXX was advised at the time of purchase that I would not be living at this property, and were given my mailing address which they retained in their files. 

Shortly, after closing the loan, XXXX sold the mortgage to AmeriHome Mortgage, and sent them the paperwork including my mailing address. 

In XX/XX/2021, AmeriHome sent correspondence to me at the investment property address advising that the loan had been sold. They misdirected this correspondence while having my mailing address in their records on file. As I do not live at this address, the mail sat uncollected and long enough for me to send two mortgage payments to the prior lender.

I learned of the sale of my mortgage, after AmeriHome contacted me by telephone in XXXX, 2021. I explained to them that I did not live at the property where they sent the mail, confirmed that they had my proper mailing address on file, and contacted the former lender about the error. The former lender took steps to direct the two mortgage payments to AmeriHome.

Yesterday, while at the investment property, I picked up additional correspondence from AmeriHome advising that I am in default and that my credit report is impacted - this after explaining what happened with the prior mortgage payments and confirming that they have my mailing address on file which makes this entire evolution their mistake. I called the company this morning, and explained again, that my credit report should not be impacted because of their mistake/failure to use the mailing address they have on file. I also recontacted the prior lender and asked them to confirm that the two prior mortgage payments were forwarded to AmeriHome. 

My credit is being harmed because of this company 's incompetence. I have been a home owner for more than 25 years, own other properties, and have NEVER been delinquent or in default of any mortgage. They have told me the matter is still under investigation and they will/may change the credit reporting when they're done. 

This is absolutely unconscionable!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Specific details of the repossession in question account listed in document 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Suntrust Bank cashed a payment sent via online Bill Pay but did not credit mortgage account XXXX image attached ). Check was sent XX/XX/2021 and cashed on XX/XX/2021 to be credited for XXXX. Bank has not accepted attempts to pay mortgage in XXXX XXXX they rejected our XXXX payment ). Suntrust now considers us to be in default. Additional payments were sent via Bill Pay XXXX Bank disabled our ACH options ) but were not credited to our account. Despite numerous attempts, I have not been able to get in contact with anyone at the bank that can help. More details in the attached.
Product: Payday loan

on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Card, XXXX  continues to report old information on my credit report. It should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a few Fruad accounts and inquiries listed on my credit report. 

Accounts 1. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} 3. XXXX XXXX XX/XX/XXXX {$200.00} 4. XXXX XXXXXX/XX/XXXX {$330.00} Inquiries 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX
Product: Credit card or prepaid card

I purchased ( 2 ) XXXX XXXX XXXX  XXXX 's for {$1900.00} on XXXX  on XX/XX/2021. I received one of the phone, but to find out when going to get it activated at my cell phone provider, that the phone was blacklisted, So it is basically a paper weight. I contacted XXXX Numerous times, and they were not helpful at all and would not help me. I contacted my Credit Card Provider ( American Express ) and explained that I had only received one of the products, and still was waiting on the other item. I waited about 2 more weeks, contacted XXXX once again to see where my item was and to see if they could help me with the other item as well, To find out that the other item was delivered, but was not received by me. I tried to get XXXX to help me with both of the items as I hadn't received one of the items and the other item was blacklisted and could not be used. They Refused. I then contacted my bank ( American Express ) and filed a dispute, the dispute got denied as XXXX was stating that I had received the items, This is about a month later. After seeing that the dispute was denied and they rebilled me for 2 items that one was blacklisted and the other was not delivered to me as they stated, I saw on the letter they sent me stating they were rebilling me for the purchase, that there was a signature but it was not mine, I then brought this to my banks attention, and once again we are disputing the charge again. We do this for about 2 months, With proof and everything that one item was unusable, and the other item was not delivered to me. We disputed the charge about 5 times. After the 5th time of being denied of the dispute, I called my bank once again and the guy stated i could do an insurance claim. So i go through the process of the Insurance claim with my bank, and provide everything they asked for, and once again was denied the claim. This has been a complete utter nightmare. When i pay off the remaining balance i will be closing my account with American Express. I thought they were suppose to protect the customer, But from my experience i see that, that is not true at all. They are the worst Bank i have ever dealt with and wouldn't recommend anyone to use them for banking at all.