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

On XXXX XXXX I was given a check to move out of a house that was foreclosed on. As upon receiving the check the agent didnt want to give the check. He asked me for a picture of me with my ID holding the check. I refused because that wasnt part of the agreement. I walked away in got in my car in said ya 'll can keep the money. Im going back downtown to talk to the judge. The agent later called me a XXXXXXXX XXXX XXXXXXXX in throw the check at me. I picked the check up in left I went home I later deposited the check into my account in XXXX. My personal bank account the check was on hold for 7-10 days. I begin to take money out of my account. Later to find out that my account would be close because the check was reported bank to sender. When I reached out to the lawyer of the house to let her know what was going on. She quote said we stop payment on the check because the agent said I attacked him. I said if that was the case why didnt he go to a safe place in call the police? The lawyer later responded with a different statement saying he said I attacked his car in that he had it all on camera. I asked to see it she refused. I then Said Im going to get me a lawyer because yall are trying to destroy my name. She said what would you need a lawyer for. ( My name ). She then stated we can mail you a check to your new address I said what do you need my new address for. They ended up issuing me a new check in the same amount but I was unable to put it into my account because it had been closed. I went to serval different banks was denied to open any account. When this happened it started causing other issues when in my life. My housing situation now has been impacted because of this in the closing of my account. My direct deposits has been all over the place in now Im facing eviction.
Product: Student loan

About 9 months ago, I had to move states. I was under the impression that I could pause my payments temporarily from the information given from the school on the loans that I took. Not only was that misleading, but the XXXX XXXX XXXX this school promised, Never called me to help look for a job ( Even before this specific issue arose ). The absolutely high Interest rate that I agreed to was marketed as much lower when I signed the legal documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX OF XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX CO XXXX AZ XXXX XXXX XXXX XXXX {$4800.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Product: Mortgage

Truist Bank Error Summary : Details : Mortgage Lender ( Truist ) is responsible for making my Insurance Payment out of Escrow which they said they did 3-times but can not show proof ( requested 3-times ). Supervisor from their 3rd party escrow division responsible for making my Insurance payment stated on XX/XX/year> that they were given incorrect Insurance information by Truist bank and they made multiple internal requests to Truist Bank for correct insurance information that went unanswered. Truist is responsible for providing their Insurance Division my correct Insurance Information so payment is made on time. Truist supplied inaccurate information to their insurance counterpart and did not respond to multiple requests from their Insurance Division for correct information resulting in my Insurance Policy lapsing. 

Financial Damage : Previous Policy expired on XX/XX/year> {$930.00} per year. 
I have called 3-Insurance Companies : ( 1 ) would not offer Insurance because I do not have insurance ( XXXX ). ( XXXX ) XXXX XXXX {$2400.00}. ( XXXX ) Awaiting a quote from a local insurance service ( shopping various providers ). 
Total damages will be quite significant : Attorney 's Fee 's and {$1400.00} per year estimated difference on above ( XXXX. XXXX difference {$1400.00} x XXXX = {$29000.00} ). 

Final attempt to resolve after 15-20 hours on the phone over past XXXX months : XX/XX/year>. XXXX stated their committee looked at this issue and Truist is not to blame. 
Truist is the only one 100 % responsible for this error and should be held liable. 
____________________________________________________________________________________________ Results : Truist supervisor claims a committee discussed my issue and resolved that Truist was not at fault even though they are responsible for making my Insurance Payment. I was told my only option is to get new Insurance since Truist let my policy lapse which will cost me almost triple from {$930.00} to {$2400.00} per year. I had previously spoken with two other Supervisors ( XX/XX/year> & XX/XX/year> ) who admitted Truist was 100 % to blame for the error. I inquired where and whom I should go through to start legal proceedings and he told me to have my lawyer call.
Product: Debt collection

I have contacted company about debt owed they use trick questions in the financial assistance department. I am will to pay on account I was asking for some extended or tack behind on end of loan or pay interested to get account caught up. I was willing to pay one full payment. However the Financial assistance department asked me a series of questions to see if I qualify. If you answer and say yes you cant afford your payment they tell you that you do not qualify for financial assistance. But they are trick questions. I am just trying to get my credit back on track and get the account caught up. Ive also called me Sunday before XXXX XXXX. the times for Sunday cause I thought it was XXXX to XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company has not proven the accuracy of this debt and continuously gives fails statements and can not prove the debt. This debt needs to be deleted from my credit report.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX  - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory
Product: Debt collection

A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card

I did a balance transfer and no fee or no interest for a year and a half balance transfer. However, it is a credit card I used a credit card six more times to purchase incidentals now according to the customer service I must pay interest on everything I have accumulated probably {$43.00} in fees in the last XXXX months or interest, even though I paid my incidental charges off plus additional money to lower the balance
Product: Credit reporting or other personal consumer reports

update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXXXXXX 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

I have tried 3 times to obtain my credit report from Transunion, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and XXXX5 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 my debit card information that was stolen through an online data breach was used at sigue.com to transfer {$450.00} to somebody in XXXX. I received an email at XXXX to confirm the transfer. When I saw it in my email around XXXX I then checked my bank account and saw that it was in process. The email from sigue said there was only 30 minutes from the moment the transaction started, to cancel it. I was unable to cancel it. I contacted my bank immediately and my card was deactivated, but it still ruined my finances until my next paycheck. The bank will be posting it back within the next few days, after the debit fully posts and the fraud report is complete. 

This company does not appear to use any type of secondary identification to verify transfers and anybody with credit card info can go on and send money without id verification, email verification, etc.
Product: Credit reporting

I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the information.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require us to eliminate any incorrect accounts from my credit report. Can you inspect the documents? Some accounts are inaccurately reported with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need help re Equifax. 

I have been trying to sign up for a security freeze with Equifax and seem to be on an endless loop of emails. I went to the website and entered all the information they requested. They said to wait for an email to continue enrollment ( which the other credit services didnt do enrollment was instantaneous ). 

I got the following email from Equifax : " It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team '' Again, I did everything they told me to do and was told, yet again, to wait for an email to continue enrollment. 

And around and around we go. 

I have called the Equifax customer service line twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and have told my story to the operator. On both occasions, the operators have said something along the lines of, Not the first time Ive heard this! 

On each occasion, I was told to call another number because my request had not been registered. The numbers I was given are : XXXX and XXXX. They are both constantly busy and I have not been able to get through. 

Can someone please report on this or help me in some way? Equifax caused this whole problem to begin with they should not be allowed to get away with shoddy treatment of their customers, who never asked to be customers in the first place. 

Thank you.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXXXXXX, I signed a lease with XXXX XXXXXXXX XXXX. As a part of that lease, a garage space was part of it. On day one, I was not afforded the garage space as I was not available. Thus, they had effectively broken the lease. As you can see by the attached ledger I was not able to access my garage until XXXX. Due to not have the extra garage space I was not able to fully move into my rented space, as the garage was meant to be added storage space. During this time XXXX happened and a lot of companies were having issues and mine was one of them. I told the complex my issues and they seemed to understand and I went on to break my lease. However, I ended up having to pay additional fees. I started to pay those fees the best I could. Even though at this point I really should not have been made to due to the fact that they broke the lease first and they had taken XXXX payments as well. I have tried to talk to them several times but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX XXXX XXXX number provided on credit reports for this account. 
from apple card gs bank that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan through XXXX XXXX. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid XXXX XXXX in the amount of {$7900.00}, which shows cleared status. XXXX XXXX  informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. XXXX XXXX refuses to update my credit report and my online XXXX XXXX page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call XXXX XXXX four times to try and get this issue fixed and they would not do it. I filed a dispute with Experian. After there investigation, they in formed me that XXXX XXXX stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed ( true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.
Product: Credit reporting

Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed unauthorized and inaccurate inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because when I checked my credit report there are inaccurate accounts there that I have no idea who they belong to.