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

To whom this may concern, Im writing this matter myself without the assistance of any third party. I hereby now will proceed with my dispute. 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  XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX  XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX. Account # : XXXX, has violated my rights. 

The Creditors and Credit Reporting Agencies XXXX XXXX, XXXX XXXX, and EXPERIAN ) are violating my fourth amendment right. I should be protected and secure within my papers and Im not because my personal information is being reported to consumer reporting agencies without my written consent. Im not secure within my papers and that's a violation of my fourth amendment right. Further, 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act states I have the right to privacy. Im being taking advantage of and I highly feel the listed creditors and the credit reporting agencies are conspiring against my rights to injure me as Im currently injured due to my right to privacy being breached. Im being deprived of my rights and I'm being treated unjust. The creditors listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( XXXX, XXXX XXXX, and EXPERIAN ). 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are doing to me as I did NOT authorize, nor give permission, nor did I provide written consent to any persons to furnish accounts. 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. My consumer report by law shall not contain any of the listed accounts that I have listed above. 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. I demand these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Product: Credit card or prepaid card

Synchrony Bank claims to be calls just about every hour even before XXXX and after XXXX never left a message
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom it May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Name XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name SXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Mortgage

I had a Suntrust mortgage back in XXXX, which was a XX/XX/XXXX loan. During a modification the 20 % loan was paid off. Since then it was bought by other lenders, however Suntrust is still showing up as a lien holder. 
I am in the process of selling my home and I have spoken to multiple departments at Suntrust which is now Truist to get a payoff/lien release so that I can close on my home and have not been successful. I have been on the phone with different departments for 3-4 hours at a time, explaining what's needed over and over and the level of incompetence is beyond me. 

I have been told that my mortgage is paid in full, however they no longer have the loan so they don't have a payoff release. According to my closing attorney for the sale of the home, XXXX XXXX XXXX, there is still an open XXXX from Suntrust showing up on my title. I'm 3 days past of my original close date and now the buyer is at risk of losing his interest rate and having to walk away. This is costing me a lot of lost time and possibly the sale.This has been over a week now since the closing attorney has requested this information : The fax number for the Closing attorney is : XXXX XXXX XXXX. 
This has caused so much stress and anxiety and I am already experiencing serious health issues. Please help.
Product: Mortgage

I lost my earnest money of {$2500.00}, due to negligence of the staffs communication. I did everything I was asked of. I provided all documents in a timely manner ; within hours if not minutes. I was told my file was in underwriting when it was not, according to my app status. The sellers team tried reaching out to TSM several times with no response. No one worked on my file while XXXX XXXX, Loan Originator, was out sick. Which pushed back the original closing date from XX/XX/XXXX to XX/XX/XXXX. Furthermore, I was now past the timeframe to get my earnest money back in case something did not go through. On XX/XX/XXXX XXXX told me that I needed $ XXXX for closing cost. It was one business day before closing and he and the staff at TSM did not send my file to downpayment assistance ( DPA ) like they should have. This would have covered the cost of the closing cost. They still had my file in underwriting review on XX/XX/XXXX despite them telling the sellers that it was going to be out on XX/XX/XXXX ( see attached emails ). They never sent my file to DPA because they did not work it in time and there was no time left for them to send it and close on XX/XX/XXXX. Even if I may have not qualified, my file should have been sent to DPA prior to XX/XX/XXXX ( the original closing date ). My offer was accepted back in XX/XX/XXXX. There was plenty of time for my file to be worked in a timely manner. There are several emails from me and the sellers team requesting updates and me asking what else was needed to be done. In addition to the {$2500.00}, I lost out on {$1000.00} ; that includes the inspection and appraisal. I am requesting my earnest money back {$2500.00} and {$1000.00} due to the lack of communication and work effort from TSM. I have emails proving that my file was not being worked while XXXX was out sick. I spoke with XXXX XXXX XX/XX/XXXX and was told that I would receive my money back, but only to find out he is no longer there and have not heard from him. I than tried to speak with XXXX XXXX ( Branch Manager Sr. Loan Originator ) about retaining my earnest money back and I have yet to hear back from her since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan. 

I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system. 

I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid. 

I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system. 

That means another {$520.00} in interest will be charged before I can pay off my account. 

By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}. 

This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan. 

It is evident that the plan of action here all along is to string me along till the end of XXXX. 

It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries on my credit file. I have been requested to remove those. however Equifax did not remove those.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to XXXX with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX County Courthouse for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I've been trying to work with Equifax for years about trying to remove a fraudulent debt collection agency where there is fraudulent changes but they keep in they continue to report on it and correctly and always side with this company seem pretty bank that's been lying about the debt they'll link to collect it making false statements on my credit making it hard to get a house and refinance my car I would like you guys to work with Equifax to report on this correctly
Product: Debt collection

Account is closed an paid and is still being reported. Account should not be reporting requesting to have it removed. 

I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXXXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and their debt collector TrueAccord Corp. is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX XXXX XXXX agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

XXXX XXXX  response to previous CFPB complaint acknowledged the item is not mine, " XXXX  records indicate that after additional review of your case, the Account Safety team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within XXXX  next credit furnishing cycle, which may take between 30-60 days. '' XXXX has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows zero payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my DOD security clearance and employment. 

I have provided XXXX XXXX a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing XXXX 's own response from the previous complaint. XXXX is still refusing to remove this unauthorized item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted 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
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX Lawsuit filed for improper investigations of consumer reports. difficulties disputing inaccurate information on my credit report. Delayed responses and failed disputes with continual erroneous information on my credit report. - Disputed all collections and amounts with minimal communication from bureau. 

Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. 


XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau. 

Equifax - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 had a past due amount of XXXX owed to XXXX XXXX when I switched to a different carrier. XXXX XXXX shared my information to a debt collection agency ( Amsher collection services ) without my written consent or knowledge. This is aggravated identity theft.
Product: Credit card or prepaid card

My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two incorrect collections appear on my credit report. The two collections are actually duplicates of each other because they both have the same file number and nearly the same amount, The original creditor was XXXX XXXX XXXX. I settled the Account with one Collection agency, but the account has not been replaced by two new collection agencies, XXXX XXXX for {$490.00} and XXXX for {$440.00}. I filed a dispute but no results. 
Please investigate. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. Stated i have the right to privacy.

15 U.S.C 1681 section 602 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX National Credit Adjusters LLCXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you
Product: Payday loan, title loan, or personal loan

over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan
Product: Credit reporting

I have disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.