23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # XXXX
Product: Debt collection

The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have purchased numerous items on my  XXXX   XXXX   XXXX   XXXX . Some items have been refunded, some delivered defective and Amazon.com has told me they will report to the company I have my  XXXX   XXXX   XXXX   XXXX  with Synchrony Bank that this is their error but they have not! I pay my Synchrony Bank  XXXX   XXXX   XXXX   XXXX  Account in full every single month timely and Synchrony Bank is not reflected that.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting

Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.
Product: Credit card or prepaid card

I have not received points from Sony rewards using a XXXX credit card since XX/XX/2022. 

Contacted Sony Rewards on XX/XX/2022 which was responded the issue needs to be addressed with Commenity Bank. 

Cotacted Commenity XX/XX/XXXX and XXXX, 2022 which was told my account will be updated as soon as possible. However, points have not shown for months and 2 weeks since contact and still no updates. 

The card is still being advertised that reward points will be given out for purchases, but no rewards are being issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to validate the accounts listed on my consumer credit report. TransUnion has failed to provide a full credit file as well as a corrected consumer credit report. 

I did not give TransUnion written instruction to furnish my personal information to anyone. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX XXXX XXXX Docket # : XXXX 2. XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX Acct No. XXXXXXXX 4. XXXX XXXX  XXXX XXXX  Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX 8. XXXX Acct No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint about XXXX XXXX XXXX showing a late payment on my Experian Credit Report. I received notice that XXXX said they are submitting the correct information and are not showing any late payments. Experian says they are reporting the information they received. Regardless, today I received notice that Experian has resolved the dispute and deleted XXXX XXXX XXXX XXXX from my account. I DID NOT DISPUTE THIS ACCOUNT, AS IT IS A NEW AUTO LOAN. I did dispute XXXX, please correct the deletion of a perfectly legitimate account that I did not dispute. XXXX  XXXX acknowledges the account, as do XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified all three credit reporting agencies about fraudulent activities. All have been notified in writing and online of my DISPUTE. 
I'm having issues with XXXX. One of two large accounts has been removed. One from LVNV Funding LLC in the amount of {$2700.00} has not been removed by them. Both of the accounts ( in the amounts of : {$5000.00} & {$2700.00} ) have been removed by XXXX. This reinvestigation has been ongoing for more than 30. I was notified by XXXX they needed to extend the time to XXXX and then extend to XX/XX/XXXX. This one account of {$2700.00} has not been deleted from my credit report with XXXX. Once it is deleted/removed, I will be approved to rent a studio apartment at a HUD community XXXX I've been denied due to these two collections that aren't mine. 
Please help me get this removed as I am a XXXX ( physically, mentally, and financially ) as well as identity theft. There are several people that have my SS number, CA ID, full name, and date of birth. It's very easy for someone to apply for credit in my name. All credit inquiries since XXXX are not mine. I only pay with my debit card or cash. I have not opened any line of credit or applied for anything other than this HUD apartment. Previously I was a home owner for 28 years. 
THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

APPEARING ON MY EQUIFAX CREDIT REPORT, XXXX XXXX, IS being wrongfully reported as the result of a 20 dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition, balance chased and charged fees that were illegal.
Product: Student loan

As a incoming freshman at XXXX XXXX XXXX XXXX  from XXXX to XXXX, when I apply for financial aid to get into college, My mom and I applied for the federal pell grant which I did qualify for, and it covered everything i needed for school, but when it was time to sign the paperwork to complete the process to receive the federal pell grant, it was said to me that I qualified for the federal loan as well. So coming from a low-income single family home, and to be told that I come receive {$6000.00} thousands dollars each semester for 4 years, I feel as though I was pressured into getting the federal loan, because it wasn't explained to me about the obligations that came with getting a federal loan, the only explanation that I received was, the amount of money I would receive in addition to the pell grant and that the loan money was extra money I could pocket. Now being a incoming freshman who needed money coming from a low-income single family home, yes I took it, who wouldn't. 
If I had known about the obligations of a federal loan, I wouldn't have considered about taken the loan, because coming from a low-class income single parent home, I knew my mom or me wouldn't been able to pay it back. 
Now I find it difficult to pay back the amount of money I owe on my loans and build my credit to lenders qualifications, because my student loans blocks me from getting money to build a future for my family. 
So i'm asking if I could get considered for the student forgiveness program
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 to privacy and confidentiality under XXXX XXXX XXXX. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

Newrez acct # XXXX I received an invoice from Newrez for the above loan dated XX/XX/XXXX and found out that Newrez charged me {$940.00} for lender placed homeowner insurance for XXXX XXXX. I called 3 times and spoke to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX for the overcharge issue. I emailed them the declaration page of my XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Newrez Compliance Department ask me to provide a new insurance if any since my XXXX coverage is until XX/XX/XXXX already. Newrez completely ignored my complain and they did not understand the overcharge of {$940.00} issue was from XX/XX/XXXX. 

I have an attorney wrote Newrez a letter demanding response within 15 days on XX/XX/XXXX. However, I still do not receive a valid response today. Please see the attached letter from my attorney. Please help my case ASAP. Thank you very much!
Product: Mortgage

In the ongoing saga ( now nearing 4 months ) of trying to get a refund of our escrow account balance in the amount of {$1400.00} so that we can pay our property taxes, once again Nationwide ( now known as Mr. Cooper ) has, without authorization, taken a full amount due of {$1700.00} for our mortgage payment in XXXX from our bank account, rather than the balance after this promised credit noted above which was authorized at {$220.00}. Since our last complaints this company has sent us a check for the owed amount which we deposited and then learned they later stopped payment on it without any notice to us ( which resulted in a fee to us by our bank and could have caused an overdraft in our account ), thereby taking back OUR money. That is what they did again on XX/XX/XXXX with an  unauthorized withdrawal. We have not approved an automatic monthly withdrawal by this bank, so we do n't know why they could take a different amount from us than that authorized in a phone call on XX/XX/XXXX. Every move made by them since our mortgage was sold to them appears to border on fraud. We have written letters, spent countless hours on the phone with multiple customer service people who provide no service. Our concern is that our property taxes are due XX/XX/XXXX and the money put aside is not at our disposal to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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. 
XXXX ( Original Creditor : 01 XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. Drivetime/Bridgecrest continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt 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 must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXXXXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted this account immediately for account violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX