23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, the bank, Truist, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, did not process my automatic mortgage payments. The purpose for the automatic payment request, was to never be late. I noticed my payments were not being applied. 
I went to the Truist XXXX, in XXXX, and was told, " A merger was taking place and that the payments would be applied. '' Again, another month went by no payment was taken, neither was the automatic payment system working as the bank said, " It would be. '' I have banked there for years. 
I was then told, " They lost my Ach Form, that they still could not find it. '' I then went to Truist Bank XXXX, in XXXX, to fill-out another ACH FORM, which they stated again, " They could not find my ACH FORM. '' In XX/XX/XXXX, I visited Truist Branch XXXX, XXXX XXXX, about this matter. He called the mortgage department about this and sent emails to correct the problem. 
The mortgage department then sent him paperwork for me to fill out stating, " I needed to fill out the paperwork and submit them with certified funds. After following their instructions, the Certified Funds was returned without any reason why! 
On XX/XX/XXXX, I received a foreclosure notice and was summoned to court on XX/XX/XXXX, stating, " I owed them {$9800.00}. '' I went to court with a {$10000.00} check. They still refused to receive payment. I had tried to pay month after month and told Truist Bank to resume automatic payments. During their merger, I believe something went wrong, drastically wrong! I had to file for bankruptcy to keep my house and I had great credit, now it is ruined!
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 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 an account without my written instructions.
Product: Debt collection

Rude, Kept calling, told me I was lying. Very disrespectful. Over a house that I lived in but had to move due to unsafe living environment- I was exposed to mold. I made the property owner aware of the mold. However, he did nothing to resolve the issue and stated that he couldn't afford to do clean up and needed to sell the house. I told him that we would have to move and due to issues. He asked if I was seeking legal action- I told the homeowner " No '' I just need a safe home that is sanitary. I did inform him that I would not be paying him anything due to having to move not by our own choice but rather than for health reasons. I have been out over {$45000.00} in medical expenses- various XXXX, XXXX. I was diagnosed with XXXX  on my XXXX XXXX XXXX due to XXXX XXXX. I have seen a XXXX, and take medications daily as a result of exposure to mold while living in the property. My monthly medications cost {$800.00} alone! I get a rude demanding phone call from a collection agency the first I've heard. Stating I owe {$23000.00}!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I was involved in the XXXX data breach. I informed the credit reporting agency of the following accounts that are fraudulent, please find my identity theft report, instructions on removing fraudulent items.
Product: Vehicle loan or lease

Title 11 - Commercial Code Article 3 - Negotiable Instruments Part 6 - Discharge and Payment XXXX. Tender of Payment payment recived by certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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: Debt collection

I am resubmitting complaint # XXXX. I filled out the answer boxes incorrectly ; I E Debt owed to and Collection company. 
Hopefully, at the end of this questionnaire-I can attach my fiole describing all of the events.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for this account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1986 This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 an auto Loan opened at XXXX XXXX XXXX account number ( XXXX ), also XXXX XXXX XXXX account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question. 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account still showing under negative accounts This account was paid in full and closed and to be removed per the company Experian has been notified of this and still is reporting the account incorrectly The other two credit agencies have deleted the account but Experian has not and will not I have reached out numerous times and sent the sent of removal as well
Product: Student loan

XXXX, like my other complaint, refuses to supply detailed calculations underlying loan payment changes
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, my house went into foreclosure and Owcen was notified and confirmed that the house was indeed foreclosed and they were going to notified the XXXX credit bureaus ; XXXX, XXXX, XXXX, and update their file. Upon further investigation, it was reveal that Ocwen continue to show that the loan was open and activity on the loan until XXXX XXXX. In addition to showing the loan as active, Ocwen reported to the XXXX credit bureaus that I was 120 to 180 days late when in fact the loan was closed and house was foreclosed on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Barclay Bank issued a line of Credit ( Gap Rewards Card ) to me at an address I had not lived at for quite a few years, I called them when I received notice of a bill and told them of their error, and was assured that the problem would be taken care of ; I kept receiving notices, I called them again, they had no notes of the first time I called them, again I was assured that the problem ( talked with the fraud department ) was taken care of, I still received late payment notices, I called them a third time ( yes they had the notes of the second time I called them ), the guy in Fraud was keeping me on the phone for a long time about the outstanding charge on the card ; I told him ( non-English speaker btw, all of them ) that he was wasting my time and that they are the ones that issued the line of credit to the wrong person, said I was going to file a complaint if Barclay 's did not leave me be ; Barclay 's closed the account and then they ( Barclays ) informed the Credit Reporting Agencies that I was 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a FTC report in reference to the following accounts that are we reporting and have not been throughly investigated by the following credit bureaus. This continuous inaccuracy has caused me hardship and denial in extension of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX. XXXX CARD 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 XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION 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 XXXX  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: Checking or savings account

I have a checking account with Bank of America that is supposed to deny all when there are no funds available to cover a transaction, yet a transaction was able to post and make the account go negative/overdrawn. I spoke with customer service a few times, I was told it was a bank error because of the deny all and I would be refunded. The refund never came. The original debit that went through occurred in XX/XX/year>. The company that debited my account is XXXX XXXX. The amount is {$280.00}.
Product: Debt collection

I received my credit report and disputed this item with the collection agency. I moved to Arizona on XX/XX/XXXX with my daughter ; however, there are medical bills with the date of service XX/XX/XXXX. My daughter who is still a minor has always resided with me ; therefore, I didn't understand why I would have received a bill for services for her in Wisconsin while living in AZ. When I contacted XXXX XXXX, they had a wrong address and phone number listed for me ( I've had the same number since XX/XX/XXXX ). They updated the information when I requested proof and they sent me statements informing that I needed to pay.
Product: Credit card

I am filing this complaint due to Barclays Bank 's delay and lack of response in unlocking my credit card, which has caused significant inconvenience and distress. 

Locked Credit Card Issue : Barclays locked my credit card and, as instructed by their customer service team, I faxed my Social Security card, drivers license, and bank statement. I complied with these requests by uploading the documents twice, on XX/XX/XXXX and XX/XX/XXXX. 

Failure to Follow Up : Despite daily calls to Barclays from XX/XX/XXXX onwards, no follow-up actions were taken, and I have received no updates on my case status. On XX/XX/XXXX, they claimed they had not received any documents, despite my twice-uploaded submissions. 

This delay has severely affected me and my family, leading to both physical and mental stress due to the inability to access my account and manage my finances as needed. 

Request for Resolution : I kindly request immediate action from Barclays to unlock my account to prevent further inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIOn ; not mine, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
Chapter XXXX bankruptcy XXXX Potentially negative Date Filed XX/XX/XXXX Court US BKPT CT TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid off a collections account ( XXXX XXXX XXXX ) via TRANS UNION XX/XX/2022. Ive submitted proof to TRANS UNION proving Ive paid the balance, and attempted to send proof to XXXX XXXX XXXX, however each time I was unsuccessful reaching that company. in Conclusion, Despite the Proof and Multiple Phone conversations with TRANS UNION, thats been recorded on their end promising me to remove the account, the account to this day remains, affecting my Credit Score poorly, preventing me from buying a house for my family and I.
Product: Debt collection

I received a letter from Atlas Financial Services with a false debt on it, and all of the website info they have to learn more about the debt or dispute the debt is not functioning. They advised me to go to XXXX, which is a broken link. I can not find more information or how to dispute this charge.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX XXXX XXXX after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As XXXX consumer, XXXX firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

I am willing to extend one final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system. In such a scenario, you will be held accountable for the harm inflicted upon my reputation, and credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that the definition of a material fact will become clear during legal proceedings, and you may be required to compensate me for your negligence.