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

In accordance with the Fair Credit Reporting Act XXXX  Account Fair collection & out # 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 an account without my written instructions.
Product: Mortgage

Suntrust Mortgage refuses to recognize me as having the legal authority to conduct business and receive information regarding the status of the mortgage in the name of my mother, XXXX  XXXX. XXXX. 
My father, XXXX XXXX XXXX, passed away XXXX of XXXX. 
My mother, XXXX  XXXX. XXXX, passed away XXXX of XXXX. 
I am the surviving trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX family trust. As such, I am authorized to conduct all business financial and otherwise on their behalf. 
I provided to Suntrust Mortgage, per their request, on XX/XX/XXXX the following documentation : 1. Origintnal death certificates for both XXXX XXXX and XXXX  XXXX. XXXX 2. Notarized documentation of my appointment as Trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 3. A notarized copy of the Deed of Distribution of their personal home located at XXXX XXXX XXXX XXXX, XXXX ID XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
4. A XXXX XXXX Sales Verification Receipt verifying the deed transfer of the real property located at XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I call Suntrust Mortgage to discuss the status of this loan I am told that they can not speak to me because I am not authorized. I am told that when they look in the computer they do not see the documentation that I sent. However, I have documentation that they received the documents.
Product: Credit card or prepaid card

In XXXX Barclays Jet Blue MasterCard  notified me that if i didn't use the card it would be cancelled. I charged a restaurant bill for {$71.00} in mid XXXX and paid the charge in full before it was due XX/XX/2022. I have a cancelled check showing that. Barclays deposited my check but did not credit it to my account, and has been charging me late fees and interest ever since. I've made at least 8 long calls to Barclays, and have sent them a copy of the deposited check. They keep telling me " they will resolve it '' but they have knocked my credit rating XXXX points by reporting it as an uncollected debt. They have failed to give me appropriate credit for my payments and have not written the credit agencies to say this was their error not mine ... .and they haven't FIXED IT. No matter how many people I speak to, nothing gets done. I have copies of all docs for proof. Please help. XXXX XXXX XXXX
Product: Credit reporting

Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of Accounts : Everwise credit union Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, capital XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, first premier bank Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, first premier bank Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, credit collection serv Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX systems XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} comenitybank/kayjewe Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, forum credit union Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, upstart loan operati Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I opened a checking account with Citi on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I deposited a check for {$1600.00}. 

The check was cleared and my new account balance was {$1600.00}. I never withdraw any money from the account while it was open. 

On XX/XX/year> I received a letter from Citi stating that my account had been closed and no reason was provided. Also, in that notice they advised that my account/funds were frozen. 

I have been calling them multiple times to get the balance on the account but their Fraud department is now handling the request.

They argue that since the check deposited was issued from a Business, the business representative needs to call them to verify the check. The check issuer has called them more than 10 times and has verified the check. 

Today, Citi told me the check issuer needed to contact her bank, XXXX, to file for a Hold harmless claim. The check issuer talked to 6 different agents at XXXX and got the same answer from all of them : that XXXX can not file a Hold Harmless claimsince the check was already deposited and cleared in my Citi account. 

Its been more than 40 days since they closed my account and I have not received the refund for the balance on the account.
Product: Debt collection

TROMBERG MORRIS POULIN, PLLC and XXXX XXXX XXXX threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.
Product: Credit reporting or other personal consumer reports

Hard Inquiries that I do not recognize XX/XX/XXXX XXXX XXXX XXXX XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing several times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX {$550.00} sent a dispute in XXXX of 2024 haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Product: Debt collection

Comenity bank has called me daily 4 or 5 times a day. They have resorted to calling my daughters, son, boyfriend and his mom to get my info. They reported in XXXX that they did a charge off and yet still called me. The last I heard from them was the end of XXXX. Before that it was from XXXX am until XXXX pm. It was usually unknown number.
Product: Credit reporting or other personal consumer reports

For the last year I have been actively requesting Experian to remove the below account that is fraudulently linked to my account. Each month I follow procedure and submit a dispute letter accompanied by a FTC Report, yet the company refused to acknowledge the fraud. Today XX/XX/25 I was informed that the last 5 dispute letters I submitted had not been processed one of which is attached to another CFPB complaint I have with the company. In that complaint I provided proof that the debtor was reporting misinformation across my bureaus and Experian NEVER PROCESSED THE REQUEST! They are actively refusing to acknowledge factual documentation that would warrant a removal of this account. In retaliation for my complaint Experian misused a dispute for a credit inquiry to remove all my positive revolving credit accounts with XXXX XXXX! They also refused to remove the one account listed in the report that I did not belong on. Experian has stripped me of my consumer right to fair credit reporting and has maliciously caused me extended financial harm. I have requested an investigation into this matter with Experian supervision and they declined to assist. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}
Product: Credit reporting or other personal consumer reports

I received notification from my student loan servicer, XXXX that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XXXX XXXX XXXX I contacted XXXX and learned that XXXX reported on XXXX XXXX XXXX that I have a balance of {$82000.00}. 

I called XXXX and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to XXXX  I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. XXXX is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. 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 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

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts XXXX : # XXXX, XXXX : # XXXX XXXX : # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XXXX  XXXX BANK NA
Product: Bank account or service

The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by TransUnion. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

This Westlake bank loan is paid off. Please correct the balance and close the account.
Product: Credit reporting

Equifax has failed to respond back since my XXXX dispute dated XXXX XXXX, 2015. I followed up with a XXXX letter dated XXXX XXXX, 2015 and the failed to respond as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint personally. An examination of my credit history revealed late payment entries. Despite sending correspondence more than a month ago, I have not received any reply, nor have they provided adequate verification. I seek your help in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX