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

THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, TRANSUNION, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
Product: Payday loan, title loan, or personal loan

Our household has been reduced to one income causing me to have to pay what I can when I can. So with one main financial I explained to them that I can make the payments just not all at once but within the due month, Weekly One Main Financial calls me with threats and demands that I pay on time or get hit with {$3.00} plus daily late fees. They are rude, demanding, threatening and disrespectful. They only want their money on the date due or they'll harass you until it is.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Child Support accounts are showing on my credit report in violation of Law 15 US Code 1681 B : Permissible Purpose. I would like them removed.
Product: Money transfer, virtual currency, or money service

Pnc will not allow me to link my account to XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).
Product: Mortgage

I'd like to reopen complaint case XXXX. 
This was recently closed. The response from the company and subsequent communication does not actually and correctly address the issue and questions i detailed in my complaint.
Product: Debt collection

XX/XX/2014 XXXX Was not aware of the account
Product: Mortgage

I called to pay the mortgage that is in my husbands name, on XX/XX/XXXX. I had previously made the first XXXX payments in XX/XX/XXXX where I explained then that my husband is a XXXX veteran! He XXXX XXXX times in XXXX years! XXXX XXXX XXXX XXXX XXXX, I take care of a lot. I also paid XXXX XXXX.no issues! On XX/XX/XXXX, I talked with an agent named XXXX. She asked to speak with and verify my husband and get his permission to speak with me. She kept asking for the same stuff and aggravated my husband. He asked to speak to a supervisor, she declined XXXX times! Each time saying it wasnt a valid reason to speak with a supervisor. She also didnt want to speak with me ( his wife ). He asked if she would like to and she replied yes, but kept asking him the same questions over and over. He kept asking for a supervisor she refused. When she did finally talk back to me. She asked me if I wanted to use the account ( my account ) to process payment. I said yes! She then asked again do I want her to process the payment. I said yes! Again. She asked again! I again said yes and when it came time for my confirmation XXXX  she gave me the wrong number! I asked for it a second time and again wrong. We ended the call with XXXX and I called back and talked to a agent named XXXX, who was helpful, she sent us the paper for adding me onto the account so I can pay our mortgage. Very helpful, she then stated that she put in for us to get a call from the supervisor. We thought thats awesome! She also said she would send us a complaint form because she stated it was messed up we had to call back and get our confirmation number right! Thats wrong! It definitely is! XXXX never sent the complaint forms. We received a missed call and voicemail from a XXXX, who proceeded to give my husband a wrong call back number! Today we tried to call him and got no where! My husband is a XXXX veteran! He deserves better than this! Im very upset about how this issue is being looked over. My husband has a {$230000.00} loan there. That may not mean a lot or seem like a lot, but in XXXX we were homeless!! Sleeping in a vehicle, to a run down garage with XXXX walls! When we finally built back up we rented a home for XXXX years and built our credit back, to buy our forever home! We did that in XXXX years! {$230000.00} isnt a lot to most, but we worked hard to get it. We deserve more respect than this! This is disgraceful! XXXX!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated XXXX XXXX XXXX Balance Owed : {$470000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance Owed : {$980.00} -You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$4700.00} -This is a duplicate account please investigate this and make a correction
Product: Mortgage

I AM TRYING TO GET LOAN MODIFICATION FROM WELLS FARGO SINCE XX/XX/XXXX, WELLS FARGO IS REVIEWING MY LOAN MODE PACKAGE BUT STILL THEY TOLD ME THAT THEY WILL LET ME KNOW ON XX/XX/XXXX WHETHER THEY WILL APPROVE ME / NOT FOR LOAN MODIFICATION. AND I HAVE NO RIGHT TO APPEAL AND FORECLOSURE PROCESS WILL KEEP GOING ON ON XX/XX/XXXX. I HAVE SEND ALL MY COMPLETE PACKAGE TO WELLS FARGO BUT STILL THEY ARE TELLING ME THAT I NEEDED MORE PAPERS TO REVIEW, SO I HAVE SEND / RE-FAX MY PAPERS AGAIN AND AGAIN. I HIRED CONSULTATION COMPANY ON XX/XX/XXXX AND ALSO DIFFERENT CONSULTATION COMPANY ON XX/XX/XXXX TO STOP THE FORECLOSURE SALE DATE. END
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. This entry is both incorrect and unjustified, as I have an official letter from the court clearly stating that this bankruptcy should not have been reported. The courts documentation confirms that the bankruptcy does not meet the criteria for inclusion on my credit file, making its presence not only inaccurate but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, this situation has been further complicated by the involvement of an unauthorized third party. Their unauthorized role in this issue raises serious concerns about the integrity of my credit file and the processes involved in reporting such information. This adds an unnecessary level of stress and urgency to the matter.
Product: Checking or savings account

I am writing to express my deep dissatisfaction and concern over the recent closure of my bank accounts with Truist, allegedly due to " fraud. '' Despite numerous attempts to obtain details and clarification regarding the nature of this alleged fraud, I have been met with vague and unsatisfactory responses from the Truist team both via customer service over the phone as well as with two branch team members I'd met with in person. I was never contacted to be notified that my account would be closed. I did not receive an email communication, phone call, text, push notification, etc. It wasn't until I tried to log into my account to check my balance that I realized my account was " locked '' and that I needed to contact customer service. Upon contacting customer service, no specific information was provided to substantiate the claim of fraud ( the rep just kept re-reading the same script he was provided ), yet my funds ( {$130.00} ) remain locked within the closed accounts. I also have a return that is set to get deposited back into this account for {$10.00} that will likely fail due to the closed account status. 

What is even more alarming is that my situation does not appear to be an isolated incident. There are numerous accounts from other customers who have faced similar closures without any valid explanation, with some individuals reportedly losing upwards of {$10000.00} as a result. They have submitted complaints with the XXXX, FDIC, CFPB, etc. In addition, it seems majority of the complaints align with consumers applying for a new checking account to take advantage of the sign-up bonus Truist offers. Shortly after, Truist will close the account. This seems incredibly suspicious because it gives the impression Truist does not want to honor the bonus they've already given to you ( by keeping your money ) or closing the account before the consumer has a chance to collect the bonus offer. This pattern of behavior raises serious concerns about Truist 's practices, as it appears that the bank is unilaterally shutting down accounts without providing any legitimate justification, essentially holding its customers ' money hostage. 

I believe that Truists actions may be in violation of banking regulations and potentially fraudulent on your end. Locking up customer funds without any legal basis or transparency is both unethical and illegal. Without concrete evidence of fraud, your institution has no right to withhold funds that rightfully belong to its clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to solve this issue with experian and XXXX and they continue to willfuly ignore what I am telling them to do. I have asked them to remove the following addresses from my consumer report XXXX XXXX XXXX, mi XXXX I have never lived there and also XXXX XXXX XXXX XXXX tx i also do not live there the only address that should appear on my report is the address in this complaint. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is any other promotional inquiry that is not suppose to be there because I did not put it there. XXXX is also reporting negative remarks on my consumer report when the account states that it has been discharged, and XXXX XXXXXXXX sent me copy b of a 1099 c they have done which states they have discharged the debt I also opt out of any promotions due t the privacy act of 1974. Experian and XXXX continues to do what they want to do with my consumer report and they are not complying to federal laws. Also the following companies are reporting that they continue to have deleted from my consumer report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They have not sent me a free report due to identity theft they continue to want me to pay them and all the promotional inquires lets me know that they continues to sale my identity to companies which is against the law when i have already opted out of them doing so years ago.
Product: Mortgage

Your selection of options that I choose is not because I cant Pay, We can Pay, its the many years of fraud, lost data, transfers and unable to get Any Arm of Support to tell the truth Many years ago my loan was transferred from XXXX  XXXX XXXX and loan, I had a floating interest rate but didnt even know that I had a floating interest rate in the financial madness of the early XXXX. I like everybody got sucked into this thing and never had a mortgage that said it was changing to a variable loan. 

My wife got XXXX in XXXX as we were struggling to get back on our feet, filed bankruptcy when XXXX XXXX sued, filed a XXXX XXXX and spent XXXX of thousands to fight losing our home to laws that have since Changed. Loan sold to XXXX, XXXX loan serving, and recently Rushmore Servicing. Rushmore never sent end of year escrow balances, nor when sold to Me. XXXX. The new company Rushmore Serving said they need 4 more payments and then the got Hacked. I am meeting with an FBI agent. I will file with XXXX XXXX asap. I will hire an attorney and I started with a XXXX loan and a XXXX HELOC in XXXX. I still owe over XXXX XXXX  years later.
Product: Debt collection

On XXXX  XXXXXXXX XXXX XXXXXXXX received a call from XXXX, did not recognize the number, but answered and was told it was a call for XXXX XXXX with an Urgent business matter, I asked them to identify who was calling, and once again was asked if it was XXXX XXXX, I never confirmed my identity, and was told eventually after some backwards and forwards with the conversation whom the call was from it was from Unifin, their ref number XXXX XXXX XXXX, on a side note i have never done or requested to do any business with this company. Back to today, after not confirming my identity at all, I was then told the last four of my social on file are XXXX, and my date of birth XXXX this information was told to myself even though I didn't confirm my identity. This kind on scant disregard for people 's information and privacy is inexcusable, I am aghast at this information being given out XXXX by a XXXX debt collector. This debt to which tey refer to is also to old to be chased up on, This company has used a multitude of phone numbers on their automatic dialer to call me on numerous occasions even at the weekend, I have told them my number is a business number and to remove it from their system repeatedly, but they keep calling.
Product: Debt collection

I received a letter from AscensionPoint Recovery Services addressed to my estate. I was reported by XXXX XXXX who put on my credit report that I was deceased. AscensionPoint got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called XXXX XXXX and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by XXXX XXXX  and receiving letters to collect a debt from a dead person. I really need your help.
Product: Debt collection

Portfolio Recovery Associates, llc has been repeatedly attempting to collect on a debt from XXXX XXXX for at least the past year with no proof. All they send for validation is a few card statements. They did not send me anything that shows I am legally required to pay them. Portfolio Recovery has a history of ripping off people, I don't want to be the next victim. I have requested an original contract in its original form. I get nothing but card statements with zero signatures. I do not know of this debt. I have received collection demands dated XX/XX/2019 and XX/XX/2019 with no contract whatsoever. They have been affecting my credit for the past year and I tried my best to get proof from them they do not have. Anyone can make up a billing statement. Show me the contract.
Product: Debt collection

I am writing to dispute the presence of a Collection account on my credit report. After reviewing my credit report, I have identified an account that I believe to be fraudulent XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

number XXXX XXXX accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and as a result, several unauthorized accounts and inquiries have been placed on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below, which are a direct result of the data breach, be blocked and deleted from my credit file. 
The following accounts have been fraudulently opened in my name : ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX  - XXXX - XX/XX/XXXX - {$920.00} INQUIRIES : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX  and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX  stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. XXXX  deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Slow at reporting payments, They dont make changes to credit unless ive made a dispute through transition or XXXX XXXX Reported 90 days late to bureau on payments But wont Report when payments are made or caught up henceforth dinging my credit