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

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer reports from Experian, XXXX and XXXX that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : Experian ======= XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : XXXX XXXX : XXXX, XXXX.
Product: Debt collection

I am filing this complaint because my right has been violated. Please advise Savit Collection Agency to stop harrasing me with their phone calls. I am not indebted to them. 
XXXX XXXX scheduled my son at XXXX XXXX XXXX XXXX ( XXXX ) about two months before the XXXX date. At this time, I presented my health insurance card to his staff and she made a copy. On XXXX/XXXX/2014, XXXX representative called to confirm and verify my insurance ; and I informed them to use only personnel on XXXX XXXX XXXX. The purpose of the insurance card was to prepare personnels who are on network. 
On the day of the procedure, XXXX went to use NJ XXXX that is not on network. My insurance issued a check commensurate with what they would have paid for such services if they had used anyone on network. Unfortunately, NJ XXXX sent my data to Savit Collection Agency. 
It is not my fault that a personnel that is not on my insurance network was used. I was never consulted or informed before they used such service. 
Savit Collection Agency should please go after whoever made the schedule without considering my health insurance card that i presented and verified. Also, they should stop calling me concerning this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed.

All poutstandin bills were paid off once my property was sold.

I applied for a loan and was told that the chapter XXXX  and XXXX was still on on my credit file which hurt my credit adversely.

I was also told that I had tax liens on my report which was not true.

I would greatly appreciate your assistance in helping me a senior to resolve this problem.
Product: Student loan

My student loans were transferred to Navient a few years ago and I have had 4 or 5 different payments every year-my interest rates are at 7.25 % and when I question them they say it 's because my credit is not so good-yet I know my credit and the scores are in the XXXX-XXXX ranges. I have been told by several people that Navient has done this to them too and it 's not right.
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 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. 


PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX  XXXX XXXX Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. XXXX had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Product: Debt collection

It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. XXXX XXXX XXXX has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX which clearly isnt what the law requires when validation of a debt. Especially when. XXXX XXXX was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.
Product: Credit reporting

Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian Credit Bureau to do a verification on my credit report. They stated everything was accurate on my Experian credit report and upon my own research I've found improper inaccuracies after they did the thorough research. 
The accounts that are inaccurate are XXXX  XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ). THESE ARE NOT MY ACCOUNTS AT ALL. In accordance with the Fair Credit Reporting Act XXXX  XXXX ( Account # XXXX ) and XXXX  XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A.States that 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: Checking or savings account

I have been operating my business as a XXXX for the last XXXX  years, just recently decided with my tax professional that formalize my business in the form of an XXXX. which i did and went into a truist branch to open a business account for my new formed XXXX. Some short time later i walked into another truist branch and deposited a check for XXXX with a teller. they originally told me it would be a 7 day hold which is was no problem. That was on XX/XX/24. i was told the money would clear on XX/XX/24. the check was paid on by the issuer and collected by truist but when the XXXX came they told me they suspected fraud and refused to allow me to access my funds. truist then told me i had to wait a week for a letter to come in the email to see how to proceed. the letter in the mail stated i needed to call Truist enterprise fraud management at XXXX i proceeded to contact that department who told me that they needed a tax form to verify the funds were not fraudulent. I then on XX/XX/24 promptly submitted the XXXX tax forms for my business which verify the source of the funds. i was told i need to call back after a couple days to give them time to review the documentation i submitted. when i called back they told me they received the documents and all is well with them but they now need me to submit a tax transcript for further verification. the tax transcript they now requested was submitted to truist enterprise fraud management on XX/XX/24 which further verifies the source and reason for the check. its been over a month and a half i have called truist enterprise fraud management a total of 16 times including todays calls spending a total time of almost 7hours speaking with representatives.. i have requested to speak with the agent personally handling my case several times, all attempts have been denied. I have also requested to speak with supervisors and done multiple escalations with the request to allow me to transfer/withdrawal my funds or close my account and mail me a check. I have done everything truist has asked of me and submitted all documentation that truist has requested and still all attempts to come to resolution directly with truist have failed. they are still refusing to release my money and let me terminate my banking relationship with them. Please assist me in getting truist to allow me to transfer my funds out of their bank or close my account and mail me a check.
Product: Checking or savings account

I am a XXXX XXXX for XXXX XXXX XXXX which means, social security number is my EIN and I am not required as a XXXX XXXX to have an EIN nor do I have to have an articles of organization or a business bank account. I do not have any employees I'm the XXXX XXXX for XXXX XXXX. I have a Chase Bank personal account and my XXXX  funds went into my Chase personal account and Chase Bank froze my account and demanded I give them an EIN number or a letter notarized on letterhead from a CPA. I told the bank that I am not required to have an EIN because I am a XXXX XXXX. I had to hire a CPA to give me a notarized letter stating I am a XXXX XXXX to give to Chase Bank. I got the notarized letter from a CPA and Chase Bank still refuses to release my XXXX funds. Chase Bank has done this to every XXXX XXXX who has a personal bank account with them. XXXX XXXX DO NOT have to have a business bank account only LLC and CORPORATIONS NEED TO HAVE BUSINESS BANK ACCOUNTS. I explained this to the loss management at Chase and they refuse to release my funds. Federal Cares Act do not require XXXX XXXX to have a business banking account because I/we are XXXX XXXX XXXX and our social security numbers is our EIN. There I need a resolution asap! This is absolutely ridiculous and insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft- on XX/XX/XXXX or XXXX someone used the drivers license from my stolen wallet to get an over $ XXXX auto loan to finance the purchase of a car from Carmax and register it under my name. Naturally, they haven't paid the loan, which is still on my credit. I filed a police report ( XXXX with XXXX XXXX XXXX XXXX, FTC identity theft report ( XXXX - attached ), a California XXXX XXXX report ( XXXX ), and initiated investigations to remove the fraudulent installment account at XXXX and Carmax. 

On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating the following about the Carmax Auto Finance installment account : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. '' That same day, I checked my XXXX consumer report, and I see the disputed items still being reported. 

Regarding the several inquiries that were fraudulently made for car loans, XXXX refused to remove them, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS ''. These inquiries were the fraudulent result of identity theft, and I provided the information to XXXX to demonstrate this. It's hard enough dealing with identity theft, XXXX is actively making my life more worse. 
These are violations of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.

Carmax, which wrote this fraudulent loan and sold the car, has also been useless. Despite promisingly to diligently investigate this fraud, instead they just began sending me billing statements for the fraudulent and increasingly delinquent account. Their bill was sent on XX/XX/XXXX, after I initiated the investigation.
Product: Debt collection

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred,  and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Product: Debt collection

XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Trustee XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX XXXX XXXX 
State Bar Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( FAX ) decided to file an unlawful default judgment to garnish all of my money-exempt funds at XXXX XXXX XXXX  XXXX due to their deceptive and unlawful garnishment of my unemployment benefits, 401k indirect rollover, and federal aid leaving me with XXXX  available funds. I am having a difficult time trying to feed my kids, keeping running water and electricity, paying for gas maintaining basic needs due to having exempt funds seized and left with absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXX and XX/XX/XXXX to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left to provide bare necessities like water, lights, food, etc. XXXX and XXXX XXXX XXXX Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion Bureau requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX 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: Mortgage

I am currently in the care acts forbearance and was current on my loan when I entered in the forbearance. ( They are not reporting current it is being reported as deferred ) I have requested multiple times to to remove my escrow to make my payments like {$1400.00} cheaper during this pandemic. I was told that I have a 5 years seasoning period and that XXXX XXXX was the one that put the seasoning period. I spoke to XXXX at XXXX XXXX he has confirmed that I do not have a seasoning period on my loan. Now XXXX is saying that I have a high price loan and that CFPB is the one with that in place. I called the CFPB today and requested to speak to someone to get an exception for my loan as I am doing what I can to lower my monthly obligations so I do not go broke during this pandemic. Nobody is there to make a call about their guidelines! I need to have my escrow removed. This will make my mortgage more affordable and in short there is no risk to the investor or lender or servicer as the insurance will send a copy of the new policy each year to the servicer and tax office will send out statements to the servicer if taxes are not paid. Also, escrow can be placed back if I do not comply with my obligations as a homeowner. So, in short I need help. Please call me at XXXX.