23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.SXXXX Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
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. 

Account name : XXXX XXXX  XXXX # XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

i cosigned for my grand daughter years ago and this should not be on my report negatively she is actively paying on it and it is corrected and i was only a cosigner so therefore if her standing is good mine is as well this affecting my life drasticley im XXXX years old and on a fixed income this actually makes my bills higher that i can not afford
Product: Debt collection

I reported a fraud on my social security about an identity theft, which I repoto the relevant authority not only to see those unauthorized transactions on credit reports, both are comnity capital bank, I never apiece for any card from.them.
Product: Credit reporting or other personal consumer reports

Payment went 30 days passed due in XX/XX/. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX and not only did I have XXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX XXXX XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with XXXX XXXX for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. XXXX XXXX verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.
Product: Credit card

On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.
Product: Debt collection

Sun Trust Bank is trying to collect {$330.00} which they say is an overdraft. I do not have an account with them. I have never had an account with them. They've sent me about 5 or 6 letters and duns which is a nuisance. I suspect that this is a scam. 

They give their addresses to be XXXX XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund. 

Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me. 

XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update. 

XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.
Product: Checking or savings account

On XXXX XXXX XXXX a consumer put a judgement against me and froze my bank account. Every time I call Citibank they tell me to call a number so I can unfreeze my account which Citibank and the office refuses to do so. Even though I 'm protected with the EIPA law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, Trans Union and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.
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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Mortgage

I have submitted numerous qualified written request to XXXX XXXX, XXXX, and Nationstar. Only Nationstar has sent XXXX notice that they are researching. Our problem began this past XXXX XXXX when we entered into an agreement to sell our home since we are relocating. Upon getting the payoff we were floored to discover an additional {$50000.00} attached to our payoff!! We learned from Nationstar that this is a corporate advance for a modification with XXXX in XXXX. We never signed a modification with XXXX in XXXX!!!! Nor did they ever send us paperwork. Had they sent us paperwork we would have realized something was way wrong. We signed XXXX modification with XXXX in XXXX at our kitchen table!! XXXX was already XXXX at the time but XXXX failed to properly document. We did reach out to XXXX in XXXX but nothing was ever resolved. The next thing we knew we were with Nationstar. The false modification came when payoff was requested. Nationstar emailed the modification paperwork to us. This was NEVER signed by us. XXXX falsified, forged, or copy-pasted signatures!! XXXX XXXX refuses to respond to inquiries although they claim they will all back. XXXX flat out does out respond. And Nationstar just gives auto responses that they are working to resolve the issue.
Product: Debt collection

I am writing to formally dispute certain item on my credit report that, upon review, lack sufficient information to validate the associated debt. The following account is of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$5800.00}. The information provided for this account is insufficient for proper validation. I am requesting that you promptly remove the negative status and late payments of this account from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IQ Data, a debt collection company, called XX/XX/2024 to collect a final payment due for an apartment rental, opening case number XXXX. This payment had already been made to XXXX XXXX XXXXXXXX XXXX in XXXX, CA with a {$670.00} cashier 's check on XX/XX/2024. IQ Data said that this payment had not been received and requested payment of the principal plus interest totaling {$690.00}. Within an hour of the call, we sent IQ Data a photocopy of the paid cashier 's check and an email from XXXX XXXX proving the payment had been made. We also informed IQ Data that we had just called XXXX XXXX XXXX management who had indicated they had experienced an accounting problem and would inform IQ Data of their error. However, IQ Data did not confirm this with XXXX XXXX. 

IQ Data said their policy was to require payment of the claimed debt while they investigated, or they would file a negative credit report until the matter was resolved. As we already sent proof of payment and the confirmation that the rental payment was already paid, it did not seem appropriate to pay the debt again. So XXXXQ Data proceeded to file the negative credit report. 

It appears to be inappropriate to request additional payment when proof of payment has been already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate accounts on my report. I am NOT asking for disputes. I want these removed. ALL XXXX XXXX  XXXX accounts should be removed as they are breaking the FCRA laws. The information is inaccurate and they have me in their consumer affairs status when I call so that I can't speak to regular reps but they still have not corrected the issue. They even admitted to the reporting of XXXX XXXX XXXXXXXX that has deceptive reporting. Now their own site ( EXPERIAN ) states that for an account to report it must meet FCRA requirements such as regularly updating. It also states that utility companies do not typically report directly to Experian or other credit reporting companies. Because credit scores are calculated using information in your credit report, your utility payments would not be included in your credit scores. And this is on their own website but yet they continue to report inaccurate information. No one else is reporting this inaccurate information. This needs to stop now
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. 

THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX BALANCE {$7700.00} EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I could not recieve XXXX  for semester XX/XX/XXXX- XX/XX/XXXX arguing that i was not a fulltime student. I appealed it as im on XXXX, this got approved however XXXX said it was too late to change anything and recieve my XXXX  because I have to pay my student account they can not approve my funds being released. I inquired on a payment plan and was rejected and told i have to pay it in full. The school went on strike for second semester. I was denied graduation in XX/XX/XXXX. 

I was locked out of my student account and tried contacting XXXX numerous times without success. 

Without getting into personal details in between this period and the following information below... 

I am now applying to school again, was denied by XXXX  stating that I owe my school money so my standing is insufficient. 

I've contacted XXXX  and they've stated that my transcript is on hold and I hsve to oay it in full - that they have denied me any payment program. 

I am now having to pay back my national student loan and XXXX, which I can not afford. 

I'm awaiting for the credit operations team to find someone who can assist me. However I'm being told the same thing over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

IamwritinginregardtothechargeoffaccountsonmycreditreportformyBankofAmerica.OnXXXXXXXXIagreedtopaythelenderwiththeassurancethatitwillberemovedoffmycreditreport,a"payfordeletion''.Ihavehadaconstantbattlewithlenderhonoringtheirpartofthesettlement.Iamrequestingthatthisaccountberemoved.Ithasnowbeenover45dayssincerequestinglenderstodeletethisaccount,therequestwasdeliveredXX/XX/XXXXthroughXXXXCertifiedMail,withnoresponse.Thelenderhaverespondedtolettersinthepaststatingthattheaccountisaccurate,andIadvisedthemIamnotdenyingit.Iunderstandthatthisaccountisvalid,butIpaidthisaccountwiththepromiseofthedeletions.IfellbehindXX/XX/XXXX,sixyearsago,becausemymotherwasdiagnosedwithXXXXandhadtotakecareofher.IthensettledonXX/XX/XXXX,fouryearsagoandsincethenIhavebeendealingwiththisburden.Ipaidfordeletion,Ididtherightthing,ratherthanjustwaitingsevenyearsforittofalloff.Sincethen,Ihavegottenallmyfinancesinorderandpaideveryaccountontimewithoutablunder.Iamtryingtoprovideformyfamilyandpurchaseahomeforusandthishashadamajorimpact.Pleasehelpmebeabletoprovideformyfamily.
Product: Debt collection

See attached document. I have no knowledge of this debt there are numerous phone number and different XXXX XXXX accounts where I spoke to the supervisor XXXX and she confirmed and more than likely fradulantn and the emailed that I have no knowledge of this account and she explained who it was from and agreed with me that they have this in collections and is a charge off and had inaccurate information and is a violation of the FCRA
Product: Mortgage

I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.