23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently got burglarized last XX/XX/XXXX and filed a claim for our home insurance policy with Wells Fargo to cover our losses. We called Wells Fargo and was informed that we dont have any existing home insurance policy for our house under our name but in fact was paying for a policy for a different person and a different address since XXXX until recently. Our previous insurance policy was cancelled because of this. 
We have been calling Wells Fargo since the incident regarding coverage for our property losses but have been passed from one representative to another with no resolution regarding our present predicament. They said somebody will call us regarding the matter but it has been more than a month since then and we havent heard anything. Getting burglarized was a very traumatic experience for our family and we are all still struggling with post-traumatic stress at this time. And to make matters worse, finding out that we dont have an existing home insurance policy has made our current situation even worse.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I had my business debit card stolen and reported it immediately within just a few days from the date of the transactions. As soon as I noticed that it was stolen I reported it to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act and XXXX Account # XXXX, # XXXX # XXXX # XXXX # XXXX has violated my rights 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
Product: Student loan

I started working for the federal government in XXXX 2011, I called Navient about what I need to do to meet public service loan forgiveness. The customer service rep told me I had to make 120 payments on time without missing one. I 'm into my 6 th year with the XXXX  and recently found out that I need to submit a public service loan forgiveness application ; my agency filled part of it out to confirm my inservice time and employment. Upon checking on the status of my application I was told my loan payments need to be income driven repayment, Ive been in the graduate payment program, paying more towards my loans therefore my payments dont qualify. Navient never told me that I needed to be in the income repayment program and now I feel like I 've lost 6 years of public service towards my loans. Im very angry and loan forgivness motivated me to move and join the XXXX. Im very upset and I need someone to rectify this.
Product: Vehicle loan or lease

This vehicle was repossessed and resold. The amount thats still owed is incorrect. This account was opened on XXXX  and is too old to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Product: Debt collection

My parents who live in another state received a voicemail on XX/XX/XXXX stating that they were about to pursue legal action against me if I did not contact them right away. This would be their last attempt. I called them that day and the lady would not disclose the company she worked for right away until I gave her my case number. She asked me if I owned a vehicle in 2015. I said yes but I had not seen anything on my credit regarding the vehicle in 7 years. She proceeded to talk very fast about pursuing legal action and having to go to court if I did not pay that day. I have never been in this situation and was very scared she said I owed an amount that I was not familiar with or sure of if it was correct for a vehicle I only had for two months. It was constantly in shop for repairs. Was a complete lemon and surrendered it to dealership right away. 

She gave me the option to pay half of the debt and they wouldnt make me pay the rest or else I would have to make payments for the next two years. I didnt have anyone to discuss the matter with in the moment and I panicked and said I didnt have the money to pay a lump sum now so I will have to make payments. She made me sign a document and charged me {$50.00} that day. {$200.00} a few days later and then they just charged me {$250.00} on the XXXX of XXXX. I then explained the situation to my boyfriend who had been out of the country for some time and I called back the debt collector, XXXX XXXX XXXX XXXX XXXX ). The lady was extremely rude, aggressive and threatening to me and refused to let me speak to their supervisor. She said she will put this on my credit immediately if I dont pay her. I was just trying to get more information on the company because I could not find anything online about them. No one would give me the address of the company, the full name of the women I spoke to or the name of the supervisor. I also tried to collect their professional license number and no one knew and has not answered my calls. I will be calling the authorities and reporting this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the erroneous items in my file are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

I disputed the listed items in my previous complaint so I am complaining again for their erroneous information
Product: Credit reporting or other personal consumer reports

XX/XX/2017 XXXX was paid in full and should be off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with Comenity bank/Victoria Secret . I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for comenity bank that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Product: Consumer Loan

In XXXX 2015 I deferred my car payment through Hyundai Motor Finance ( or so I thought ). I faxed back the letter, like they asked and like I have before, only to get a statement in XXXX 2015 showing TWO months due. I called and spoke to a gentleman who apologized and said the deferment was never proccessed in XXXX but had no idea why. As a resolution he offered to defer XXXX 's payment too in which I accepted. I received the letter, faxed it back ( and brought a witness this time ) AND CALLED to confirm the fax was received. I was told it was currently processing. Now I paid my XXXX payment and here it is XXXX and they are threatening to repossess my vehicle. I feel that I did everything I was supposed to do as a customer and they are treating me unfair. My credit has been ruined showing I have late payments and it 's not even my fault! I am also reporting to XXXX.
Product: Mortgage

I requested a payoff letter. The company I am going with sent the payment in XX/XX/XXXX. Shellpoint was having software issues and did not apply my payment. I contacted them many times to get it resolved and they charged me an extra 2 months of interest on a loan that they had the payoff amount for. I told them I need it backdated to when they received the money and to give me my XXXX I over paid. 
The eventually applied the credit after charging me two months of interest and still expect me to pay about another XXXX to close the account.
Product: Student loan

I have been unemployed since XXXX. Navient called me everyday and sometimes three times a day to collect. They kept giving me forbearance and reporting my loan delinquent. This occured between aprox. XXXX thru XXXX. I now have income driven repayment. I did not even know about this nor did they ever offer it as an option till XXXX. 
My credit is now ruined because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 12 late payments Balance updated XXXX XXXX, 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to different reporting agency 's throughout the year of XXXX, from XXXX for them to report the correct address and employment,
Product: Credit card

ASPIRE investigation results contains information that is materially misleading, thus inaccurate. ASPIRE has stated that this account has been verified after your investigation but have not provided me with any instruments to validate the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ) .Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am again very concerned about the validity and accuracy of your recent investigation.Pursuant to 15 U.S.C. 1692g, I am instructing you to provide me with the Method of Verification for the account.This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a request for a reinvestigation of the previous dispute. This is a request for the Method of Verification where the following items should be provided to ensure the validity of the account.Please see attachment for the list of items of my request.
Product: Checking or savings account

Over the weekend, I was not able to log into my account or change my password. Truist never contacted me in any manner. I contacted Truist to check if something had happened on XX/XX/XXXX. They told me I had to call their fraud department to find out any information of the closing of my account due to suspicious activity. I asked to the fraud department if there was any investigation on the claim that resulted in my account being closed. They said their team investigated and decided to close my account. No notice or explanation were given. They said I would need to open a new account. I tried to open a new account with them. They said I could no longer have an account with Truist. I am a Truist member since XXXX ( formally known as BB & T ). I did my car loan there. My wife got the loan for our mortgage there. Truist never had issues with me prior to this claim. What was the decision for this fraud claim based on? 

The claim was made by a person that I sold a bag on XXXX XXXX. The person did not like the purse. Before reaching out to me to resolve the matter, she contacted her bank and said that she was scammed. As soon as she reached out, after contacting the bank claiming fraud, I tried to get into an agreement to give her the money back for the purse. We settled and I gave her the money back and I am still waiting for her to return my bag. No fraud happened here, just an unhappy buyer. 

The bank made a decision without any kind of investigation on what happen. The bank violated its own terms and conditions regarding account closure ( no proper investigation ). The closure will cause financial harm, and there was no contact in regards to this ( the information for my paycheck is still with Truist, this will delay my next paycheck and impact my bills ). The complaint that led to the closure of my account was handled unfairly and without proper investigation ( I have shared here all the conversation in regards to the transaction that led to the closure of my account ). 

I want to state that I was answering all the buyer 's messages in a timely manner. She acted in bad faith by calling the bank before even requesting the money back from me or even expressing that anything was wrong with our transaction. Truist also acted in bad faith since it did not do a proper investigation before closing my account. It is very frustrating that after being a customer for XXXX  years at Truist, I was mistreated like this. I would like that all necessary actions are taken towards this, so no other customer can go through what I have been through.
Product: Credit reporting or other personal consumer reports

to indigate and resolve my issue with these accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the elimnation of the following inquirires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing
Product: Credit reporting or other personal consumer reports

I paid my loan of XXXX XXXX XXXX and XXXX  XXXX XXXX, but till now it was not updated in credit report. It was reflecting unpaid. Account is also showing active. I f it was already paid then it should be updated close in my credit report.
Product: Credit card or prepaid card

I applied for a Chase Sapphire Reserve card at the end of XXXX. I got a letter in the mail dated XX/XX/2023, stating that " Please call us to confirm your application ''. I read the letter on XX/XX/XXXX and called them on the number provided : " XXXX ''. There was an automated message saying " Is this regarding a credit card application or credit line increase? '' I pressed 1. Then it asked for my social security number, which I provided. The automated message said " your application is being reviewed. you will get a response in 7-10 days. this is the most recent update on your application. to repeat the message, press 1. '' Nowhere is this process did any representative talk to me. 

I have called this number at least 20 times for an update on my application. Today, XX/XX/XXXX, I asked to speak to a representative, and they told me that my credit application has expired because I never called, and I should apply again. I told them that they have already pulled a hard credit inquiry, and I am not going to apply again. They have to fix this, whether it is a problem with their application, their call center, or anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Trans union on XX/XX/2023 in regards to hard inquiries on my credit report.they have yet to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Experian has failed to provide accurate verification as per the Fair the Credit Reporting Act. Experian has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Experian has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX. XXXX XXXX University # XXXX, XXXX. XXXX XXXX # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Experian continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.
Product: Credit reporting or other personal consumer reports

I reached out to companies accounts are closed but still reflecting on my profile