23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Identity Theft : Victorias Secret Card not requested Sent to former address Can not contact company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a collection account from my credit file with your agency. The account in question has already been deleted by XXXX following a thorough investigation. For the sake of consistency and accuracy across all major credit reporting agencies, I kindly ask that you take the necessary steps to delete this account from your records as well. 

Details of the Account : Account Name : Complete XXXX XXXX Account Number : XXXX XXXX Date of Dispute Resolution with XXXX : XX/XX/year> As you are aware, under the Fair Credit Reporting Act ( FCRA ) ( 611, 15 U.S.C. 1681i ), consumers have the right to ensure that the information reported in their credit files is accurate and complete. Since XXXX has already removed this account, its continued presence on my reports with Equifax constitutes a discrepancy that undermines the accuracy and completeness required by law. 
Further, Section 623 ( a ) ( 1 ) ( A ) of the FCRA obligates furnishers of information to provide updates to all credit reporting agencies to ensure uniformity. The absence of this account on XXXX 's report indicates that the furnisher no longer deems the information accurate or reportable. Therefore, it should also be removed from my Equifax credit reports to maintain consistency and compliance with federal regulations. 

I request that you investigate this matter promptly and provide written confirmation of your findings. Should your investigation conclude that the account is accurate ( contrary to XXXX findings ), please provide the specific evidence and documentation that supports its continued reporting. 

To assist you in resolving this matter, I have enclosed : A copy of my identification. 
A recent utility bill verifying my address. 
Documentation of XXXX resolution confirming the account deletion. 

Please complete your investigation and provide a response within the 30-day period outlined in the FCRA ( 611, 15 U.S.C. 1681i ). Failure to do so would constitute a violation of federal law, and I reserve the right to escalate the matter if necessary. 

Thank you for your prompt attention to this request.
Product: Debt collection

They constantly calling looking for our son claiming they need to contact him about a debt he owes regarding medical care. They used other peoples names ( spoofing ) on the caller Id to avoid us from finding out who is calling, but the phone number is always the same. They call at least once a week and have been doing so for over the last year and they never identify themselves on the phone. They ask that you return the call to the number that they are calling from but the caller ID shows an individual 's name. We know our son owes no medical bills because we paid them all. We have never received any written notice about a bill owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute old student loans reported by XXXX several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to delete and block the following fraud account immediately from my credit report : 1. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.
Product: Credit reporting or other personal consumer reports

They keep lying to you and sending me these types of letters. Each time I submit I send in who I am. This is a serious violation and it should take o e day for them to clear up. Apparently the credit bureau do not read my letters.
Product: Credit card

On XX/XX/XXXX, my credit cards were stolen while on XXXX XXXX trip. My XXXX XXXXXXXX ( issued by XXXXXXXX XXXX, managed by Continental Finance ) was subsequently used by the person who stole my cards at a XXXX in XXXX, VA. 
I had a very lengthy conversation with a Continental Finance Rep within XXXX minutes of my cards being stolen and I was assured I would not be held responsible for any unauthorized charges. I was still with the police as I was having this conversation with your representative. 
A temporary credit was issued back to my Surge card ( ending in XXXX ) in the amount of {$55.00}, the amount of the transaction at XXXX. 
A short time later, the credit was reversed and I received an email stating that 'no error had occurred ' and that 'the merchant completed the transaction. ' I found this action utterly appalling given that I had provided all the information about the theft practically in real time and was assured I would not be responsible for the fraud. It felt like being robbed twice. 
I subsequently spoke with two more Continental Finance representatives asking for an explanation of the reversal and received no satisfaction for my inquiry. 
I sent Continental Finance a copy of the criminal incident report received from the XXXX Police Department which should have been more than sufficient proof that the charge on my XXXX card was fraudulent and asked them to please re-evaluate their decision. After several weeks and no communication whatsovever from the XXXX XXXX Department, I sent a very strongly worded email demanding a status update and that the {$55.00} credit be given back. 
A temporary credit was issued back to me on XXXX and I assumed the matter had finally been resolved since I had provided all the documentation I had regarding the theft.. 

On XXXX, I received the following email from the Continental Finance Dispute Center : We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. 

We have come to this conclusion because : Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. 
The provisional credit that was previously applied to your account will be adjusted. An amount of {$55.00} will be reversed on XX/XX/year>. 

This notice serves as final resolution of your dispute for the above-referenced transactions. If your dispute included additional transactions not listed above, please be assured we are continuing to investigate those. 

Sincerely, XXXX XXXX XXXX XXXX XXXX is issued by Celtic Bank and serviced by Continental Finance Company ( " XXXX '' ) I replied immediately with yet another strongly worded email suggesting that perhaps someone should actually read the police report ( which I attached again ) and reconsider their illogical decision. If this had been any other credit card company, I would not still be dealing with this issue more than two months later. I feel I am being victimized TWICE because of their actions. I am due the {$55.00} credit and I want them to issue it once and for all.
Product: Debt collection

Hunter Warfield is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$3300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Hunter Warfield & myself, legally listing Hunter Warfield as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Hunter Warfield. It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Hunter Warfields claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$3300.00}. Hunter Warfield responded back by mail with computer generated documents. Some documents were illegible ( per my attorney, & attached ), yet no document had my signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 ( document enclosed ) and Hunter Warfield has ignored my legal demand for information. Hunter Warfield 's documentation provided is misleading. Hunter Warfield has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Checking or savings account

On Friday XXXX i was trying to make some online transactions and it blocked my Mobil app access then i called and they said that they were closing my accounts because they reserve the right to close the accounts. they did not tell me any other reason. then today XXXX  i went to a branch and spoke to XXXX and she called the XXXX department and they told her the same thing. they also said that they were going to send my fund within 60 days. yet they closed my account without any reason. they should have allowed me to retrieve my funds and now i have to wait about 60 days for a check. they did not give me any reason yet. they keep saying that they are sending a letter with the reasons but they can not tell me any thing. 
I would like for they to give me a clear reason why they closed my accounts and i want them to send my money as soon as possible just how they were so quick to close my accounts. its not fair that they didn't give me a chance to keep my accounts after few months. i feel so discriminated about having a bank about there. i get it that they might not want my business but they should be able to release my funds as soon as they made they decision to close my account.
Product: Mortgage

I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. 

We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. 

We did everything the new servicing company requested Bayview Loan Servicing. 
We are fighting to save our home. Please help us. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$6700.00} US DEPT ED XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$8900.00} XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4700.00}
Product: Debt collection

On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.
Product: Mortgage

SNSC MORTGAGE failed to send auction notice to correct adresses to all parties Failed to process the loan modification application submitted well before the auction Provided them proof of funds to reinstate the loan .Denied to accept reinstatement went off to auction, even though provided them proof of funds for the reinstatement.

1 : Auction notices were not served or sent to us. Auction was defective 2 : Loan modification application is still pending 3 : reinstatement denied, provided them proof of funding to cover reinstatement amount.

SNSN deceit us. we believe auction processes was defective.
Product: Credit reporting or other personal consumer reports

Student Loans are showing on my credit report under XXXXXXXX XXXX XXXX Account # XXXX for the amount of {$1800.00}, my other student loan that was reporting was removed but the otheris still on which both loans have the same reporting dates they were previously under XXXX XXXXXXXX for the same amount which mean the accounts were sold. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. Also my loans have inaccurate information with different dates showing for opening dates, last reported, last active, and last payment dates across all 3 agencies.
Product: Credit reporting

I opened an account with XXXX XXXX in XX/XX/XXXX. I closed the account XX/XX/XXXX. I NEVER had a late payment and was assured of this when closing with confirmation and receipts. I was also assured that I would n't receive a penalty for closing because there was no contract. In XX/XX/XXXX, I began receiving bills saying I owed {$360.00}. I called to clear the matter and was told that my debit was incorrect and I was to be OWED {$230.00}. I have never received that amount and noticed FALSE REPORTING on my credit report. Every time I call customer service, I am told I am owed {$230.00} but the account is still " processing ''. I am told that a manager will call me back but I have never been contacted to clear up XXXX mistakes and false credit reporting.
Product: Mortgage

I am in the process of re-financing my mortgage and 5/3 bank has not provided the payoff amount and it has been 2 weeks since the request.
Product: Student loan

In XX/XX/XXXX I asked to be placed on a repayment plan acceptable by the Loan Forgiveness program. I informed them that I worked for the XXXX XXXX and required the 120 payment set up for the Load Forgiveness program. Navient representatives guided me through the process and placed me on an income based repayment plan they said is acceptable for the Loan Forgiveness program. Seven years into my repayment plan I discovered I was supposed to send in proof of employment so that my years of payments and employment would be verified. Last year ( XX/XX/XXXX-XX/XX/XXXX ) I called the XXXX XXXX XXXX and was informed the income based repayment program Navient placed me on was not recognized in the Loan Forgiveness program. I am currently XXXX years old. I was getting ready to retire after 25 years of XXXX XXXX and I am forced to rethink my retirement date. when I transferred my loan to the XXXX XXXX XXXX, I received a tax form from Navient that  documented I paid THEM {$25000.00} in interest and NOTHING towards my student loan balance. I have been making payment to Navient for 20 years and I still have the same balance.
Product: Credit reporting or other personal consumer reports

I have never been able to get my free annual credit report from Transunion. I cant freeze my credit with them. Their customer service both by phone and by messaging are unhelpful and do not resolve anything. They pretend like theyre solving my issues but do nothing and resolve nothing. For years I have been unable to get my annual free credit report from them and now Im trying to free my credit with them and they are incapable. I cant believe this company is allowed to be entrusted with our most sensitive data. It is a XXXX
Product: Checking or savings account

The company has not sent the $ {$20.00} XXXX XXXX XXXX from the CFPB Complaint below nor sent confirmation of closing all of my accounts. I consider these complaints as written instructions to close all accounts with Truist. 

XXXX COMPANY INFORMATION Truist Bank ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$20.00} Funds should to be sent to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX