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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

from XXXX of XXXX untill XXXX of XXXX, their are over 20 inquiries that i dont recognize. i believe my identity may be in a databreach
Product: Debt collection

I am asking for a debt validation letter. With a contract that I signed. Stating I owe for whatever was done. With procedures that was done time, date, etc. I have asked twice for this. I dont want a bill. I want a contract with my signature stating I owe this.
Product: Debt collection

This account was not mine someone used my name and used incorrect spelling and signature Im not sure how this was even attached to my social security number
Product: Mortgage

I was going to do solar panel in my home. After the city didnt allow this project on XX/XX/XXXX, they should cancel the loan. The loan remains open until now. I just realized they didnt cancel/remove the loan on XXXX when I was trying to buy another house. After that I called them many times asking them to remove but they still didnt remove. Because this loan on my credit score I was not approved to buy another house. Mosaic says that XXXX Forever didnt allowed them to cancel/close the mortgage. Mosaic already answered another complaint I did here answering they still waiting freedom forever approval to cancel the loan. I just need this to be removed from my credit score as soon as posible.
Product: Checking or savings account

On XX/XX/XXXX around XXXX, I attempted to make a cash deposit of {XXXX into my checking account via XXXX at a KeyBank XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The ATM accepted the cash, kept it, but did not credit my account. Instead, i was given a slip saying there was an error and to resolve the issue in person at a branch. 

When I returned the very next day, when the bank was actually open, they acknowledged that the XXXX had extra cash  stuck inside but did not count it or seemingly do anything to keep my funds from being lost. They told me they filed a dispute and would conduct an investigation. 

When I returned on XX/XX/XXXX, after receive absolutely no communication as to the results, i found that the teller had not filed my dispute to the correct place and my claim was denied. The person helping me at this point claimed to pass it off to his XXXX and the original teller that filed my dispute to the wrong location. At this point they told me they would call me on the XXXX to inform me of more details and a possible provisional credit. 

Today is XX/XX/XXXX, and i have received no communication. I also sent an email to their customer service over a week ago, with no follow up communication. 

At this point, I've been into the branch in person twice ; reached out electronically ; given them more than the 10 days the electronic funds transfer act allows them without a provisional credit ; they have never even admitted to taking my funds in the first place, beyond saying the found some cash in the ATM that morning. I don't see a difference between my situation and handing my money to a human teller, who then loses it and denies me ever handing it to them.
Product: Debt collection

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filled an online dispute # XXXX with XXXX  that was incorrect also with XXXX XXXX dispute # XXXX and Experian dispute # XXXX please have it removed.
Product: Money transfer, virtual currency, or money service

I signed up for a Coinlist account on XX/XX/11 through a referral that offered {$10.00} in XXXX for buying or selling {$100.00} worth of assets in a single trade, subject to a {$20000.00} monthly pool, as long as the trade is made in 90 days. Coinlist proceeded to take nearly two months to approve my account but eventually it was approved and I deposited {$100.00} on XXXX and made a transaction of XXXX XXXX for {$100.00}. This date on the fourth of the month was well within the time period that the {$20000.00} monthly pool was valid. I have not received the referral bonus yet despite multiple messages.
Product: Checking or savings account

An unauthorized transaction on my savings account of {$9400.00} was taken from my bank of america account and deposited to a XXXX XXXX account thru XXXXXXXX XXXX on XXXX XXXX. Bank of America denied my claim stating because transaction was done under my name. I did not make these transactions Bank of America needs to investigate further and see who did this illegal transaction without my consent. In turn the {$9400.00}. XXXX of my funds need to be redeposited into my account.
Product: Money transfer, virtual currency, or money service

SN Servicing Corp. has an insurance check they need to sign and send back to me for rebuilding water damage to my home. The check has been there for 2 weeks and all they have to do is sign it. I provided a self addresses envelope with postage. They are holding up the rebuilding of my bedroom, bath and closet. My wife is XXXX years old and is in the final stages of XXXX. This has been very hard on her and myself. SN said they will get get to when they get to it. To me this is elderly abuse .All they have to do is sign it and put back in the mail .They have all required information that they required and yet they sit on the check.
Product: Student loan

One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?
Product: Debt collection

This company is breaking the law by failing to provide proper validation details as required under the 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to your credit report.
Product: Checking or savings account

I opened up my Regions bank checking account in XXXX GA on XX/XX/2021 and everything was fine, the minute I went down south on a job assignment for the XXXX  for a few days and deposited XXXX $ into my Regions account yesterday afternoon on Friday XXXX, one of the employees fraudulently called in and posed as me and had my account frozen for NO reason. It was discrimination. They asked me what was my business in South Carolina and I told them I was on A XXXX XXXX XXXX and they waited 24 hours then froze the account Saturday morning XXXX. They faked a call from me to the help desk and had it frozen for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not my account. It was closed XXXX  years ago. There is no way they could Verify this account. I have asked to remove it. They have lied and said it was verified. That is not possible. Over XXXX years old. XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$290.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated -
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection XXXX XX/XX/XXXX
Product: Mortgage

Our loan is through Caliber Home Loans. This past fall we contacted the company when we knew we would be behind for the second month and requested a non formal payment plan. At that time the representative said that we were not too far behind and our payments were not too much so no action would be taken against and to not concern ourselves with it and to make payments as we could. As things got worse for my wife medically we had to apply for SSI benefits and they are being processed and I have had to take several FMLA days to help her get to appts or to care for her so we fell further behind on payments. We then contacted them for a formal repayment and then a forebarence plan and was denied all options except selling in some way. This was a temporary hardship and normally we would be able to make our payments so if our forebarence had been approved we would not be four months behind and able to continue our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied under the doctrine of estoppel by silence Engelhardt v Gravens mo 281 SW 715719 I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exist, no original signed contracts hasnt never been provided to me as requested in there investigation or shown by equifax to me to verify these accounts are mine. 

Remove the following accounts immediately from my credit file and remove from public records as requested I dont have any original written contract signed with these company. How were these accounts verified?, why know documentation hasnt been provided showing an original signed contract with these company by Equifax to me. 

XXXX XXXX  ( fraudulent account and charges XXXX XXXX ( is not mine this account is fraudulent charges and account, no signed contract or documentation has never been provided to me as requested in equifax alleged investigation 30 Day expiration has expired as well. 

XXXX XXXX XXXX ( this is not an collection of mine, XXXX XXXX XXXX doesnt have any written agreement or signed contract with me at all, and havent provide equifax any documentation that I own them a debt, equifax has fail to provide this information by stating this account is verified. But havent send any documentation to me as requested showing how it was verified, what steps was took to verify this debt, this is direct violation 15 U.S.C. 1681 S-2 ( a ) ( XXXX ) XXXX XXXX  account was report as fraud these fraudulent charges on this account has been report fraud an valid police report has been submitted to Equifax XXXX XXXX  has violated my FCRA rights by sharing information to a third party company by the name of resurgent Captial service without my written consent or instructions which is a direct violation under my rights 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c I dont owe any to XXXX XXXX  / or this third party collector by the name of XXXX  XXXX XXXX thats trying to seek a debt on there behalf or trying seek money out of me by falsifying there identity .I dont have any original written signed contract with either of these parties. And they have not provided any documentation within the last 30 days as requested, equifax has stated this account is completely verified, but how? When they have not provided any information or shown any written signed contract that bind me to this debt. If they stated its been investigated and verified Im demanding to send documentation to me showing the finding of there investigation and How and what sources led to verifying this account. The 30 Day expiration dates has expired, equifax has clearly violated my FCRA rights by neglecting to investigate throughly of these obvious fraudulent accounts and inaccuracies Police report, driver license, proof of residence, has also been provide several times as well. 

Remove these account immediately from my credit report!!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and I see that there is an inaccurate account on my report. I DO NOT RECOGNIZE THIS ACCOUNT WITH XXXX. I requested the information below : I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the company listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1692c No proof has been sent to me for more than 30days as I previously requested, and that I am legally obligated to pay this debt. I need the purchase agreement of the debt, the insurance claim of the debt, and verify if the debt is within the statute of limitations. Please provide the original written agreement with my signature agreeing to pay.

As of today, I have not received the information that I requested. I only received a letter that my information was sold to a collection agency without my consent or approval, which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX. I have contacted the FTC and the LA Police department.
Product: Credit card

Synchrony home I received your letter stating you closed my account due to information from XXXX reporting to you that is a lie .I contacted XXXX and my account was and is frozen copies of chat enclosed, copy of your letter enclosed stating information from XXXX XXXX have caused damage to my credit and personal hardship with this. and lying about where you got the information on a frozen account. CFPB please refer this to the proper bureau .I feel that I need to be compensated for this out right lie and damages enclosed are synchrony banks letter and my chat with XXXX on this matter
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my credit score and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {XXXX} ; XXXX XXXX  Balance : {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus Experian and XXXX advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with Experian and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to Experian as well as XXXX. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima is a furniture loan company of which I had a lain that was paid and closed in XX/XX/XXXX. 
The company reports to XXXX. 
The loan misreported my balance and payment activity and is currently reporting a late, closed charged off account as recent as XX/XX/XXXX. 
On a recorded line 3 representative attest to the fact that this was Misinformation and they dont understand why it is reporting that way. Call hurry representative said they were sending me a letter via email that I should receive in 3 to 5 business days from the conversation that will support the fact that the reporting to XXXX  was in accurate. 
I spoke to a representative during XXXX and two other representatives over the past week including today XX/XX/XXXX. The representative I spoke to today again said that she would resend the email. And I have yet to receive anything. 
The in accurate reporting has affected my credit worthiness and score.