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

XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block/delete 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. These fraudulent, inaccurate, and false information consists of a personal accounts which 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  These accounts have resulted in several Fraudulent accounts appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my Equifax consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, 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, are the result of identity theft and fraud.
Product: Mortgage

Guild refusal to release my check to repair my home from water damage along with having my XXXX XXXX XXXX insurance cancel due to not releasing the check in a timely matter my home now have black mold and my floors are bare without carpet both of my master bathroom closet and my master bedroom closet have black mold in spreading in different area of my home. I have made numerous attempts to fix this problem with Guild Mortgage first they told your office they never received the check in XX/XX/XXXX to the fact it has expired must be cash within six months. XXXX XXXX XXXX issued a second check in XX/XX/XXXX which they now have and due not want to release. Guild Mortgage lack of sending my insurance check because I fell behind in my mortgage. Guild Mortgage have try to foreclose on my home and still have not sent this check the water damage happen on XX/XX/XXXX. It is almost a year and my kitchen floor is also coming up. They continue to ask for a contractor bid and what major repair in my home. In the estimate itself a contractor is not needed. The repairs in my home is for me to buy carpet and padding, in two rooms of my house. Buy a new bathroom vanity these items along take measurement and have been done. Closet repair, paint and clean floors. Money to get a dump truck to remove a damage bed, damaged carpet and padding and old tile to be throw out which these items are and have been on my back porch. I do not need a contractor for what is on the list of things to do from XXXX XXXX insurance company. All Guild Mortgage was supposed to do is sign the check and return. Guild Mortgage have been deceptive and continues to be to the point your agency is part of the federal government and I have the documents to prove they received before my first compliant was filed. I ask your office to call XXXX XXXX XXXX XXXX to speak with the office regarding both checks and also if additional repairs was needed in my home I would have gotten additional money but due to Guild Mortgage not releasing the check my home now contain almost a year of mold in my home which my younger daughter had to temporary move out her room suffer the most damage. XXXX XXXX XXXX XXXX, my claim examiner XXXX XXXX can also verify Guild Mortgage is to only sign and return. I file to claim regarding Guild Mortgage withholding my first and second repair check due to massive water damage. As well as stopping my mortgage company to fix my home after the damage to verify this statement XXXX AND XXXX when they stated to your office they never received the check. I am sending today the XXXX XXXX receipt and the copy of the check issued and send to Guild Mortgage before filing an complaint on XX/XX/XXXX is when it was mail to my home and XX/XX/XXXX federal government acknowledgement of false statements given to your office on my behalf. Also, I am sending a copy of the second check that was reissued and mailed on XX/XX/XXXX sent by XXXX as well. Guild Mortgage still have not given me a Loan Modification and requested documents was given
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove all fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Bank account or service

paid off loan to car with XXXX checks. They cashed a XXXX check and a XXXX check almost 2 months ago. 
they said XXXX check was sent back ( however, no check received and bank statement shows they cashed check ) they kept XXXX check. 
they are now saying I own 3 months car payments and will repo vehicle despite them having almost XXXX they cashed to buy out vehicale and can not account for the money. 
I 've called 30 times, promised a call back and never given one. Told different story every time.
Product: Credit card or prepaid card

Today XX/XX/20 I received an email from Capital One stating they have reduced my credit limit for no other reason other then I'm not using my credit to the limit each month. I have been a customer for about 10 years and pay my card on time and have outstanding credit ( well until today where this will hurt it ). I called the company to see why they would do this to a card member that has been paying on time, and they just said they do this from time to time. I've never in 10 years had a card reduced when I've paid on time and had no issues. They said they would not be able to reverse the decision and that I would have to wait 6 months for it to be reviewed. Of course this would include check my credit score, which again would impact my score! As a business Capital One has hurt card members during a time in which some people might need the additional amount for job loss or Covid related expenses. Apparently they have done this to not only me but thousand of good customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX DP OF EDUC XXXX USDOE/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.
Product: Credit card

I was told by my credit card company that I should not make payments ten days before the due date. I make my payments a day or two after the closing statement date in order to avoid interest charges. Beginning in XXXX 2015 Home Depot started charging me late fees saying I was paying too early. I was told the statement closes on the XXXX of every month and I pay after that date. Whatever payment I make should go towards the statement after that date so long as it is paid after that statement closes. Their argument is a minimum payment amount has not been generated therefore the payment is not required to go towards the current statement. That have punished me for paying early so they can get more interest out of me and on top of that started charging me late fees. I plan on taking legal action as this company is operating in bad faith.
Product: Student loan

I have been attending XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was in the hospital for a month. I got out of the hospital and went back to school. I finished my courses and stormy was supposed to find a site for me to my complete my hours, but that was never done and Step stormy lied and said that she gave me a location and the text message you will see she never told me I can go to the location I reach out to the school to resolve the matter and they said I needed my XXXX certificate in order to be able to go to a dental location to complete my hours at the time. FCC did not have anyone to do the XXXX classes by the time they had somebody to do the XXXX classes I was not able to do it because I had to work so I went ahead and paid for my XXXX classes and sent a copy of it to XXXX who at the time was working there and then I was waiting to complete my hours. They had to try to find a location willing to except me I ended up waiting and waiting and waiting and had to have XXXX and doctor appointments. Eventually the XXXX Department of education got involved with FCC and told them that they were not allowed to enroll new students. FCC told me that I was considered a new student which I do not understand how when I was in rolled in my school had already been funded by financial aid as well as my loans. Ive already paid the school so now I am out of an education and a certificate, and they want me to pay money what I would like it for FCC to own up to this or the XXXX Department of education or a FFFA to own up to their wrongdoing and allow me to complete my hours so that I can graduate and be able to work in a dental office as I should I should not be penalized due to the fault of their employees, not doing their job and then trying to cover up their mistakes by making it seem like it was a student issue versus an employee lack of work ethic issue I have tried to reach out to everyone no one seems to be able to help me everyone points fingers at everyone no one ever answered after being told XXXX minutes wait
Product: Credit card or prepaid card

My name is XXXX XXXX, my husband XXXX XXXX died on XXXX XX/XX/2021 ( from XXXX ). It happened in XXXX and I with my children went there. I am still in XXXX with relatives but I see that my husbands credit card was charged 3 times after his death ( all his cards are here with me and I didnt use them ). 
XXXX. XXXX $ ( XXXX ) XXXX $ ( XXXX ) XXXX. XXXX $ ( XXXX ) His credit card ( WELLS FARGO BANK ) XXXX
Product: Credit card or prepaid card

Had a XXXX  person living with me who I had known for a number of years thought I can trust him at his word when he said he is using my automobile to go to work and back and is only a few minutes 5 or 6 miles from my residence he lied to me and said he is working 16 to 20 hours a day and stays overnite on the job at times every couple days had put perhaps several dollars in gasoline in my automobile so he can drive to and from his job he said was only a few minutes away from my residence onXXXX on the last nite he came in over several hours after he said it was his last day of work when I threatened to call police and report him and my car missing he finally brought the car back I seldom if ever use the credit card nor travel more than 4 or 5 miles from my residence I have XXXX and am home or in doctors offices more often than not he brought the car back totally wrecked never made a police report left me with {$1100.00} in damage to the car he trashed the entire interior of the car and had XXXX XXXX XXXX and alcohol bottles scattered all over interior of my car my credit card insurance information auto registration and automobile manuals were scattered all over the floor and front seat of my car he was very intoxicated so I just went in my car and and took back my gas credit card automobile manual insurance information etc out of the car he had trashed he was too drunk to pay attention to me I told him he will leave or I will call the police and you can report the accident he called friends/family and they had took him away gave nobody permission to use my gas credit card and either keep the gas card in my car or in my house or in my wallet if I plan to drive or go anywhere found out when I got a letter from the florida dept of transportation that he used my car to run all over the state of florida without my previous knowledge my automobile XXXX florida plate number had over {$120.00} in toll booth violations since my car was being used to travel all over the state of florida without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX  last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items 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 DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX XXXX  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 DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has once again violated the FCRA. On XX/XX/2022 I received notification that they checked my credit report without my consent. 

That is illegal, and not only must the remove the inquiry from my consumer report, I also demand them to delete their inaccurate reporting listed under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, TransUnion XXXX XXXX received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX  did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Product: Mortgage

I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong account non known still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I spoke with several representatives from TransUnions Fraud department in attempt to get several fraudulent hard inquiries removed from my credit report. 

I spoke with XXXX XXXX re : XXXX I told her that the hard inquiries were fraudulent at the beginning of the call toward the end she told me that I hadnt mentioned that the inquiries were fraud and disconnected with me after being very rude. 

I called again only to be met with more roadblocks and attempts to stall me from getting the fraudulent information removed from several agents. In all I called about 3 times and spoke with about 9 agents. None were able to assist me with getting the fraudulent inquiries removed from my report.