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

We have diligently paid our Home Equity Line of Credit with Truist Bank for the past XXXX years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from Truist Bank showing all the payments made, statements will be attached. We went to Truist and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. Truist then falsely claimed to the XXXX credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The XXXX bureaus sided with Truist, despite us sending them the evidence that the payments were made. Truist then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when SunTrust merged with BB & T, and then with Truist, this caused the issue. Truist never unfroze the account. If we had missed payments, Truist would have begun foreclosure proceedings or debt collection. 

Truist closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by Truist Bank, redacted report attached. All the calls I made to the bank, which were XXXX to XXXX hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.
Product: Vehicle loan or lease

adjustment in the settlement sent to XXXX XXXX for full payment of the vehicle declared a total loss on XXXX XXXX XXXX 

proration of the difference in the insurance collection that was taken on XX/XX/, for a value of {$1400.00}, payment one year in advance and which is financed by westlake financial I am demanding the credit in the amount of XXXX since I only had possession of the vehicle for one month and Westlake Financial Services needs to adjust the amount in the final adjustment for the payment of the vehicle. 

They have threatened me with going into collections when I am only looking for an appropriate adjustment to close this case, with no response from the financial company Westlake Financial Services. 

I also find inappropriate and not correctly formulated the adjustment of the XXXX XXXX  company by the adjuster XXXX XXXX, assigned on XXXX XXXX XXXX I expressed the situation to XXXX XXXX but he ignored my requests and refuses to answer my questions. calls and email. 

I have tried to contact the adjuster on different occasions without receiving a response. 

Also My claim number is XXXX and my policy number XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.
Product: Student loan

I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.
Product: Credit reporting or other personal consumer reports

This account is unfairly reported. I did not authorize the sale or transfer oof this debt to this third party. They lack my consent and legal right to collect or report this debt. Validate or remove immediately.
Product: Debt collection

Enhanced Recovery is reporting inaccurately on my credit report for one they are collecting and report a DUPLICATED debt on my report ... They are also in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Product: Mortgage

Mr. Cooper, aka Nationstar Mortgage XXXX, charged an additional amount to escrow on my latest mortgage payment. I contacted them to inquire what the charge was for. The person said that I was being charged for an insurance policy that they opened by force on my behalf because my current insurance company, XXXX, had ignored their requests for a copy of my policy twice. 

I did not choose Mr. Cooper as my lender. My loan was sold to them without my involvement, as is often the frustrating case. They contacted me when they took possession of my loan and then reassured me that I needed to provide nothing. They had everything up to date. 

The person on the phone first said that they had no record of insurance, later said that XXXX never responded, and made the final statement that XXXX said I didn't have a policy. None of this made any sense to me. 

I recently received letters asking if I wanted to buy a policy from Mr. Cooper 's insurance partner. I ignored the letters because they looked like advertisements. Earlier this month I received another letter saying that they had purchased a policy on my behalf- for three times the amount of the policy I currently have. They now say that I have to pay for the premium since XXXX because they didn't have the documentation from my insurance company, XXXX. 

I am at a loss as to how to recover the costs and why they were not required to contact me in any other fashion than a letter that looked like an insurance advertisement. I feel like I was tricked into ignoring it and charged a massive uncharge through their own insurance partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about 2 accounts that were not mine on XX/XX/XXXX, XXXX one for {$1400.00}, one for {$520.00}. I disputed these accounts and also contacted the company which is Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX to find out why this was place in my credit report. The name was not mine, I never used an emergency Physician in my lifetime as I have had the same Doctor for 20 years. They asked me my birthdate and they said it was not correct. I spoke to a girl named XXXX with Commomwealth. She said  she would have them take it off, which XXXX did take it off. Then today XX/XX/2020, I get an email from XXXX telling me that they reversed it. This is NOT me and I need help to get this resolved. Can you please help me?
Product: Mortgage

My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out to XXXX 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!
Product: Credit reporting or other personal consumer reports

Should credit transactions be on my consumer credit report? 

Should Experian be reporting my personal information from third parties without my consent?
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Product: Student loan

I have submitted a dispute to XXXX as well as credit bureaus about XXXX derogatory accounts listed on my credit report in error, but they have not removed the accounts from my credit. In XX/XX/XXXX my father paid in full all outstanding student loan debt to Sallie Mae ( now Navient ). In XX/XX/XXXX XXXX XXXX years after the accounts were paid in full ), XXXX Mae/XXXX listed the same XXXX loans on my credit with derogatory payment history during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is impossible to be " late '' on payments on accounts with a zero balance. I have contacted XXXX by phone once and in writing once. I have submitted a formal dispute to the credit bureaus once. The outcome was that Sallie Mae/XXXX was able to validate the debts. Again, there is absolutely NO POSSIBLE WAY that they can validate derogatory payment history on accounts with a XXXX balance since XX/XX/XXXX - that 's XXXX years ago, beyond the statute of limitations for reporting negative credit history. I do not want to go through litigation, but if these accounts are not removed, I will hire the best consumer law attorney that I can find to represent me, and I will seek the greatest possible compensation for Sallie Mae/XXXX violation of FCRA laws.
Product: Debt collection

Dept was paid and I still got lot of arrasment calls every time sold it to third parties and wrongfully reported issues with my credit report to downgrade my scores on my credit report.
Product: Mortgage

Ok I XXXX my husband to XXXX last month XX/XX/2019 I spoke to a specialist at phh mortgage services they said my mortgage was upside down and I couldn't do anything about it I wanted to lower my payments because of the struggle I'm going through I've reached out to so many lenders and nobody helps this is completely unfair XXXX  XXXX XXXX
Product: Credit card

indigo credit card co of concord credit states no fee for first yearrr but in first month vhaging me {$170.00} fee!
Product: Checking or savings account

Last XXXX I disputed a debit withdrawal which was happening every month it was found in my favor 4 months latter they with drew the amount i was a warded out of the blue I live on XXXX ayear and don't have a dime to my name they are impossible to deal with I need help they take money out of my account when ever they want
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, XXXX and TRANSUNION DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, XXXX and TranUnion has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and Transunion continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Product: Debt collection

XX/XX/2018 I sent a letter asking XXXX XXXX XXXX to verify debt and they refuse to do so
Product: Credit card or prepaid card

My name is XXXX XXXX and I was approved for {$9000.00} credit limit in XX/XX/2019 by Citibank. I have made all payments. In XXXX there was a collection erroneously placed on my XXXX  report by XXXX XXXX and XXXX XXXX. Citibank reduced my credit limit to {$8400.00} as a result. I have been working towards getting this false collection off my credit. 

On XXXX XXXX I made a {$4100.00} payment to Citibank. They accepted my payment and then reduced my credit limit to {$4200.00}. As a result it now reflects that I am {$14.00} over my credit limit and at 101 % utilization!!! They cited derogatory payments on my XXXX  report. This is false. I provided all the documentation as proof that their explanation for reducing my credit limit was false. I provided an XXXX   report dated XXXX XXXX plus proof of credit cards that I have paid off and now have a {$0.00} balance on all but one credit card from my credit report. I also provided an email from the Director of Operations that proves the XXXX XXXX XXXX collection was reported in error and that it would be removed from my credit report. It has been removed from my XXXX  report and the documentation I provided indicates it. 

I was told by XXXX XXXX that the documentation I provided would be what she needed for my credit limit to be reinstated. They did not reinstate my credit and sent me a response that their decision was based on derogatory payments. Again this false and I provided all documentation requested by Citibank to prove so.
Product: Credit reporting or other personal consumer reports

I noticed I had several inquires from XXXX and was told they can not be removed because they are tied to an open account. Im not sure how that is possible because the account they are saying its attached to was not opened until XXXX with XXXX which it shows that on my report. Ive tried calling all 3 bureaus but only XXXX removed them. TransUnion and XXXX are telling me to call each company and have them remove it and Ive called all companys only to be told I need to call TransUnion and XXXX.
Product: Credit reporting or other personal consumer reports

SYNCB/PPC fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). SYNCB/PPC is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Cedar Financial is a collection agency for XXXX University. XXXX is claiming I owe them tuition on classes I had dropped because of two primary issues. One reason was because of the fact that I was a resident of XXXX and was enrolled in a program at the school even though the XXXX XXXX XXXX   no longer allowed students to enroll because of accreditation issue. XXXX failed to notify me that XXXX was no longer allowing XXXX to admit students from XXXX. I would not have taken classes there had I know there was an issue with the accreditation. I am also a XXXX with XXXX because of my military service and notified my advisor that I was experiencing difficulties with focus and needed to drop my classes. I was advised that I could do so and that charges for that term were covered either by student loans or would be refunded. Despite this, I was charged for tuition despite having dropped classes and disenrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing about the inaccurate accounts reported on my credit file. These accounts were investigated and successfully deleted from my XXXX credit report. However, they remain inaccurately reported on my [ EXPERIAN ] credit report. 

XXXX XXXX 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 XXXXXXXX ) Attached is the XXXX XXXX summary confirming the deletion of these accounts from my XXXX credit file. 
These accounts are no longer verified and should also be removed from my [ EXPERIAN ] report to maintain consistency and accuracy under the Fair Credit Reporting Act ( FCRA ). 
Investigate the accounts listed above. 
Remove the accounts from my credit file if they can not be verified as accurate. 
Provide written confirmation of the results of your investigation within 30 days as mandated by the FCRA. 

attached, you will find copies of the necessary documents supporting my
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of 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 XXXXXX/XX/XXXX