23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

A credit card account was opened in XX/XX/year> leaving a charged off account on my credit file for the amount of {$190.00} I have tried to contact the company, and they are non-compliant about removing the file from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

PERSONAL INFORMATION NEEDS TO BE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX IA XXXX EMPLOYER : NONE PHONE NUMBER : XXXX EMAIL : XXXX SPOUSE : NONE AND ANYTHING ELSE NEEDS TO BE DELETED ON EXPERIAN, XXXX, XXXX
Product: Credit card

Keeping a record of timely payments on this account has been a priority for me, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

A XXXX store credit card was opened in my name without my knowledge. The purchased item was well over XXXX XXXX dollars. I believe this incident happened in or around XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Debt collection

Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts
Product: Mortgage

On XX/XX/XXXX I provided XXXX XXXX of Cross Country Mortgage of XXXX, FL all of the required information needed to receive a loan estimate. When I got a loan worksheet I was disappointed and asked specifically for a LE to ensure the prices would be locked in per the CFPB requirements on prices changes. I was told that their company doesnt provide LE until the entire approval process is completed ( he specifically said close the loan ). This is against CFPB policy, a waste of my time, and predatory since they can still change the pricing all the way up to the loan closing. This is exactly the reason the rule is in place. CC Mortgage is trying to take advantage of unknowing buyers. What can be done to stop this behavior.
Product: Credit reporting

Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Student loan

Auto payments to be pulled on the XXXX and was, but an additional payment taken the the XXXX. Called and was left on hold for over XXXX hours with no estimated wait time or queue position, emails also going unanswered. Person information I have updated with them never being recorded, address and zip code to log in is from 10 years ago despite being updated again 4 months ago when my loan was transferred back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted complaint to XXXX XXXX, Experian And XXXX to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : OXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate , comment section is inaccurate , high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Product: Mortgage

MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 am not XXXX. I get frequent calls from businesses and creditors looking for him. I do not know him. Some businesses continue to call even after I 've told them this is not his number and I do not know him. I have even been called a liar. Today, a woman who identified herself as XXXX from American Collection Services Inc informed me that she or her company will continue to call because XXXX gave this number. She says that as long as this number was provided they can call because it is not their fault. I told her that I would file a complaint if she called again. She said go and ahead and file it because they will call again.
Product: Student loan

Hello, I have guaranteed 2 loans for my son XXXX XXXX XXXX in XXXX when he was attending XXXX. 
He stopped attending due to family issues. 
I was incarcerated. 
We became estranged. 
During my incarceration I applied and received forbearance up to XX/XX/XXXX with FedLoan. 
I was released in XX/XX/XXXX to a Halfway House in which I stayed for 9 months up to XXXX of XXXX. 
From XXXX until XXXX Fed Loan was sending mail asking for payment to my home address. 
I did not receive any of that mail or any other mail that was being mailed to my home address because my son XXXX was living there and he would not give me my mail or any of my paperwork or belongings. 
In XXXX of XXXX I first checked my credit score and found that it was in the 300 range. I could not understand why it was so low. 
I then found the many late payments on the 2 FedLoans. 
I contacted FedLoan and made a payment agreement. 
After making the payments for 3 months I asked them to remove the late payments. 
They refused. 
I worked with XXXX XXXX credit repair to help me with the ; ate payment issue. 
They were unable to do so. 
I have been paying the loan, applied for secured credit cards in order to increase my credit score.

But that is very hard with having 2 180 days late payments for school loans.

I respectfully ask for your help to remove the 2 180 day late payments please. 
I need your help to raise my credit score and rebuild my life. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX  ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.
Product: Debt collection

I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. 

I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. 

Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. 

NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to send my disputes out. I will dispute something and 1 day later get a notification back that the creditor has verified the information. There is no way that it can be verified in 1 day. A Prime example is XXXX XXXX is showing 60 days late in XXXX. I contacted XXXX XXXX at ( XXXX ) XXXXXXXX and even they agreed that the late payments for XXXX were not correct because they have not even reported for XXXX yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqifax is reporting Alabama XXXX ( XXXX ) acct is currently in collections it is also reporting the account is 90 days late ... both are incorrect ... XXXX doesn't have a collection company listed for the account.i called to get the collection agency number, they don't have.so I don't know how equifax is reporting this account as a collection account.the account was due XXXX XXXX I made a payment on XX/XX/2019 and a payment on XX/XX/2019 ... XXXX rep. stated the account should have never went to collections ... it didn't..because XXXX  or equifax can't provide the collection agency contact number. I need this account removed or to report a positive status.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUEST INFORMATION FROM TRANSUNION AND XXXX FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have been trying to resolve an issue with Equifax where companies are unable to pull up my credit score or credit report. I have attempted to sign up for credit monitoring, apply for a mortgage, pull my credit report from XXXX XXXX XXXX,  Equifax directly, and no one including Equifax can pull my score or credit report. I have been told over the multiple phone calls with Equifax in multiple departments that no one has seen this issue and they are unsure how to fix the issues I am having. I have spent countless hours on the phone with Equifax and send it various documents they have requested and I still cant get this issue resolved. I am in the process of trying to purchase a home, but the mortgage companies can not pull my score or credit report. This issue is holding me back from purchasing a home and I dont know how else to get this issue resolved. Every single call I have made to Equifax has gotten me no closer to a resolution.
Product: Credit card

On XX/XX/XXXX - I did send an email to Truist - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THIS IS MY XXXX CFPB COMPLIANT AGAINST TRUIST BANK, CUSTOMER ADVOCAY TEAM AND EXECUTIVE MANAGEMENT. 

There has been XXXX fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} XXXX FRAUD COMPLAINT : - XXXX Fraud Dispute was filed on XX/XX/XXXX, Fraud Cases # XXXX, Truist Fraud Department cancelled my card and sent a replacement. In response to my XXXX compliant to CFPB in XX/XX/XXXX, XXXX XXXX XXXX from Truist Advocacy Team has provided inaccurate information that fraud claim for {$2400.00} is closed in my favor and my account is credited. I called XXXX XXXX at XXXX in early XX/XX/XXXX and explained the issue also, I even followed up with an email on XX/XX/XXXX. Since XX/XX/XXXX there has been no update from Truist, I was even informed by XXXX XXXX 's that a Supervisor by name XXXX XXXX XXXX will call me, as of this afternoon there has been no response from Truist nor I see any credits to my accounts in the amount of {$2400.00} and {$24000.00}. 

What is more shocking is that Truist XX/XX/XXXX statement still state the amount of {$2400.00} is still under dispute. Please refer to Truist Statement for XX/XX/XXXX, XXXX XXXX of XXXX ( yellow highlighted section of the statement ). 

XXXX FRAUD COMPLIANT : A repeated fraud has occurred my Truist Credit Card, this time in the amount of {$24000.00}. A part from the credit card there has been on my Checking Account # XXXX, Case # XXXX for {$700.00} and ACH Transaction, Case # XXXX. Police Report was also provided to Truist Bank Staff. 

At the advice of the bank staff I called credit card customer service, a fraud case # XXXX was issued. Since then I have called Truist Fraud Department multiple times since XX/XX/XXXX. As of today Truist has NOT PROVIDED ANY EVIDENCE that I have benefitted from this transaction. 

There is no resolution being provided by Truist. I also sent an USPS Certified Letter on XX/XX/XXXX, with Tracking # XXXX. The attached evidences clear show that XXXX has credited my accounts and also debited, I am in loss of {$2400.00} and {$24000.00}. 

As informed to Truist, XXXX XXXX and Truist Advocacy Team, if Truist do not resolve the issue in next 30 days, I will forced to take legal action against Truist Advocacy Team and its Executive Management and Banking Ombudsman for further intervention as customer complaints are being closed with inaccurate and misleading information.
Product: Student loan

I am currently serving in the XXXX XXXX XXXX, and was prior XXXX and XXXX XXXX XXXX totaling 15 year of service since XXXX. 
I enrolled in XXXX university for a XXXX XXXX in XXXX XXXX for three years XX/XX/XXXX-XX/XX/XXXX. 
During My attendance I was summoned to XX/XX/XXXX XXXX XXXX on temporary status which delayed my four year degre completion. 

I applied for student loan thru MOHELA after depleting my XX/XX/XXXX g.i. Bill, and I had one more class to finish. 
The school did not notify any of their students that they were shutting down as a result of accreditation loss and low student attendance. In fact, I found out thru the news in in the morning during my daily routine on XX/XX/XXXX. 

I informed the student loan lender. They wont be flexible to accepting very low payments despite my income hardship, and in the mean time Im waiting for student relief assistance program to help me discharge this loan which is a long term wait. 

The anomaly of this event that I never thought would happened to me as im Learning as I go in this process is that the student lender practices is unethical. 
The student remains unaware of the lenders security process to assure that the school is not going bankrupt, or if they are abiding by law and education standards state and nationwide. Thus endangering the students/customers economic well being as well as their credit. 
Hence, the customer has right to be informed of such potential risk if the school chooses not to inform the student.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Dear CFPB Complaint Department, I am submitting a formal complaint regarding the reporting and collection of a debt associated with the following account : Collection Agency : Credit Collections Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Amount Reported Owed : {$130.00} Date Reported : XX/XX/XXXX Complaint Summary The debt in question appears to violate provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance in investigating and resolving this matter. 
1. Failure to Validate Debt ( 15 U.S.C. 1692g - FDCPA ) : Under the FDCPA, I am entitled to a complete validation of this debt, including evidence of the original agreement, itemized charges, and proof of ownership of the debt by the collector. To date, Credit Collections has not provided sufficient documentation to substantiate this claim.

2. Potential Inaccuracies in Reporting ( 15 U.S.C. 1681e ( b ) - FCRA ) : The FCRA requires that only accurate and complete information be reported to credit reporting agencies. Without validation, the reported balance of {$130.00} and the associated details remain questionable and may constitute inaccurate reporting. 
3. Improper Classification and Documentation ( 15 U.S.C. 1681s-2 ) : Credit Collections and XXXX XXXX XXXX XXXX classify and document any debt reported. As this debt originates from an insurance company, additional verification is needed to confirm it adheres to industry-specific regulations. 
4. Lack of Transparency Regarding First Delinquency ( 15 U.S.C. 1681c ) : The date of first delinquency is listed as XX/XX/XXXX, yet Credit Collections has failed to provide any supporting documentation to prove this accounts legitimacy or confirm this dates accuracy. 


This account is negatively impacting my credit score and financial stability. I trust that the CFPB will take the necessary steps to ensure this matter is resolved fairly and in compliance with federal laws. 

Thank you for your assistance. I have attached relevant documentation for your review. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX