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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance
Product: Mortgage

I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even XXXX time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.
Product: Credit reporting

I had XXXX previous mortgage accounts that were closed/transferred, XXXX in XX/XX/XXXX and the other in XX/XX/XXXX. I disputed these accounts with Equifax stating that I was no longer responsible for these accounts because they were closed/transferred. I received the results of their investigation stating that they verified that it was my account. It just shows the total incompetence of the people responsible for completing these investigations. It clearly shows that there has been no activity on these accounts since XX/XX/XXXX for XXXX and XX/XX/XXXX for the other. It should have been removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/year> LVNV funding XXXX XXXX XXXX, XXXX, SC XXXX RE : Cease & Desist from Collections Dear LVNV Funding : On XX/XX/year>, one of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXX XXXX XXXX under account number Last 4 digits XXXX. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is being violative of my consumer rights by providing inaccurate and untruthful information to my credit report, both in violation with FCRA and XXXX XXXX XXXX Standards. This agency should only be reporting factually accurate, verified with documentation, and compliant data. However they are not
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and Bankruptcy. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX Docket Identifier XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Product: Checking or savings account

I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX  : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXX : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I suffered a loss due to COVID 19 national disaster, as result my loan was placed into forbearance. My mortgage company Suntrust now Truist Bank sent out documents for me to sign for the partial claim option. I sent the documents however the bank says they never received them and they reported my account as over 180 days late, severely impacting my credit score. I called the bank to investigate but they were unable to remove the negative remark because the loan has to go through the loss mitigation process all over again. I am complaining because I suffered through XXXX XXXX, now I am being punished for something out of my control with mailing system and to report my account as late and impact my credit score really hurts. Please help me.
Product: Credit card or prepaid card

XXXX XXXX two purchases were made ( home depot states they were online ) and charged items were picked up at home depot in XXXX fl. we called home depot once we received a stmt and noticed the charges, they closed the acct sent new cards and reversed the charges pending a fraud investigation. the credits were reversed so we called and they said that the receipts were signed with my husbands name we argued that we live in ohio and that we wanted the signatures on the receipts compared to his drivers lic-which we faxed them we also requested a copy of those receipts that they were comparing the signatures to ( we never received them ) we did hear back from them so a couple weeks later we faxed a formal dispute letter. still did not hear back for like a month and when we did they said that based on their review we are responsible for the 2 charges. i don't understand how they can make us responsible for purchases we did not make -- someone signed my husbands name and i know for a fact that if the signatures were compared one would see that it was not XXXX that signed for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with Experian, XXXX and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to Experian, XXXX and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.
Product: Credit card

About a week ago I called in to get a name changed after I was married. They processed this just fine and sent out my new cards, but when I received them they had spelled my last name with a XXXX  instead of an XXXX When I called back to have them correct THEIR error they told me they could send new cards until I contact all 3 credit bureaus to change my phone number so they could place an outbound call. First, this is their error, not mine. Secondly, Ive had the same number since I opened an account with them ( 16 years ago ). Im working on transferring my balance away from them and shutting down my account unless this can be resolved. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Equifax on XXXX/XXXX/XXXX requesting method of verification for an account that is inaccurately reporting on my credit report. The company is AD XXXX XXXX SERVICES. Equifax received my certified letter on XXXX/XXXX/XXXX and mailed me a follow-up letter dated XXXX/XXXX/XXXX which I received in the mail on XXXX/XXXX/XXXX. However, the letter did not provide what I requested, which was method of verification. Furthermore, the letter stated that Equifax will not investigate which is a direct violation of my rights. I never asked XXXX to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Equifax spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Equifax claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Equifax has been unsuccessful in providing method of verification for AD XXXX XXXX SERVICES I demand this inaccurate information be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$880.00}
Product: Checking or savings account

Wont let me access my funds by transferring to another account i have with another bank
Product: Student loan

I am a recent graduate from a medical residency program, and I am contacting you to illuminate the continued struggles I have had with MOHELA, the current processor of my student loans. I have been trying to get a refund for payments that were taken out in error during XX/XX/XXXX and XX/XX/XXXX, totaling nearly {$9000.00}. Despite over a dozen calls to them, over 20 hrs spent on the phone, multiple tickets being placed ( and later cancelled without any communication as to when or why ), I have been unsuccessful. I feel I have exhausted my avenues with them, and now am seeking additional support to help hold this company accountable for their poor business practices and complete lack of transparency or customer service. There is no one at the company whom to file a complaint. There is no communication as to the status of any tickets that are submitted. There is no way to initiate communication with any supervisor of any kind. You must call their general contact number, go through a long list of keypad prompts, then speak with some lower-level person who isnt able to provide much assistance at all. After they place you on 10-15 brief 2 minutes holds, they then direct you to a manager call XXXX XXXX where you leave your number and a supervisor calls you back, or doesnt, which has happened to me twice. One called me back at XXXX while I was sleeping. If you miss the call, there is no way to call the manager back directly, you just have to start the process over. There is no direct line to a supervisor or email contact for a supervisor. After months of trying to get a resolution in place, I was finally able to speak with a supervisor in XXXX, while at work and taking care of patients. They assured me this issue would be resolved, and I would be issued a refund, but that it would take 90 days for the refund to be processed. I asked if there was a ticket number that I would have visibility of or if I would be contacted with status updates on my online portal and was told there wasnt, and I would have to call back to get an update. 
Fast forward to today, XX/XX/XXXX, I still have not seen a refund. I called and went through the same drawn-out process of getting to speak with someone, only to have them tell me that the ticket had been cancelled and I wasnt eligible for a refund. No notice, no explanation. After raising a fuss, I was then directed to a manager call back number. Got another call back, again while taking care of patients. After 2 hours on the phone, was told another series of tickets would be submitted, and it would be at least another 90 days before a refund would be processed. This is completely unacceptable, and I know I am not alone in my struggle with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

old reaged accounts repeatedly slander my name and never go away. My scores are repeatedly dinged hundreds of points for reaged debts not mine, not owed, disputed in full ( as law allows for refusal to remove debts not mine- including fruad ). XXXX/XXXX/XXXX  XXXX  outright refuses to remove the debt whatsoever. Ive heard excuse in the book. TU is abusing priviledge here- slandering my name with inaccurate info beyond the statute of limitations in all 50 states. account age is from late XXXX, not XXXX. Account is NOT OPEN, NOT UNDER ACTIVE COLLECTIONS, TO DO SO IS UNLAWFUL. company responsible for reporting this info does not care. Accounts listed as fcra and fdcpa compliant- if they were, they would not be in my files. I DEMAND TRANSUNION RESTORE MY GOOD NAME AND REPUTATION IMMEADIATELY- and purge this XXXX from my files. Reported XXXX XXXX XXXX  united- which is the accurate state of affairs.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXXXXXX XXXX XXXXXXXX Account number XXXX Late payments from XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) UM 15 USC1681 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violationsFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 45 U.S.C. 1681n )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Balance XXXX {$180.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX XXXX : {$36.00}, XXXX XXXX XXXX : {$3400.00}, XXXX/XXXX  XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Original creditorXXXX XXXXXXXX Balance : {$870.00}, XXXX XXXX  Inquired on XXXX XXXX, XXXX/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXXInquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired onMay XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Bank account or service

What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.