23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I received notice from my municipality regarding real estate taxes. I contacted Huntington, my mortgage company, and alerted them about the amount, {$1700.00}, and I was assured it would be paid on time. In XX/XX/XXXX I received a letter from my municipality stating that a lien would be placed on my home if the taxes remain unpaid. Now, with penalties and late fees, the new total was {$2100.00}. In XX/XX/XXXX I was again assured that it would be paid. I was told a check was sent via XXXX  ( a tracking number was not available ) and that it would be sent before the new deadline. I called Huntington again on XX/XX/XXXX to be sure and was told that my case was closed because there has been a resolution. In XX/XX/XXXX, I received another notice from my municipality stating the real estate XXXX taxes were still delinquent. A lien has been placed on my home effective XX/XX/XXXX. The taxes are still unpaid.
Product: Debt collection

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : VANCE & HUFFMAN LLC XXXX creditor : XXXX XXXX. ( Account XXXX : XXXX ), Date Opened : XX/XX/year>, XXXX : {$310.00}. CEASE the reporting of all fraudulent items immediately. I am not liable for this debt with MONEY MART. and I do not have any contract with VANCE & HUFFMAN LLC. I have attached a copy of my ID and FTC report. ( Please see attachments ).
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 Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 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 XXXX 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: Credit reporting or other personal consumer reports

Signed loan document in amount oXXXX XXXX XXXXXXXX 11.9 % interest on XX/XX/year>. Loan details are 120 payments of {$250.00} for 10 years. Made a total of 3 payments : {$250.00} on XX/XX/year>, {$570.00} on XX/XX/year>, {$16000.00} on XX/XX/year>. Current remaining balance is {$3500.00} but Service Finance Company LLC ( svcfin ) reported on my credit report that I owe {$20000.00} on XX/XX/year>. The last updated report was XX/XX/year> stated I owe {$20000.00}, which negatively reflects as I am {$32.00} over my limit with NO payments. I called to have the credit report updated but the representative said it can only be changed once the loan is completely paid off. This has brought my score down XXXX points.
Product: Credit card or prepaid card

I am using Chase Sapphire Reserve and I have filed a Trip Delay Claim on XX/XX/2022 for {$500.00} using Card Benefit Services. They got back to me once asking for additional documentation I had originally submitted, which I have sent over promptly again. After that, they have disappeared despite my many emails and calls un-answered since then. Very frustrating experience.
Product: Money transfer, virtual currency, or money service

My phone was stolen XX/XX/year> my sister had sent me money to pay for often and due out the most of my phone being taken my cash app was scammed and money was sent were I didnt send it to I notified the company they said they get back and nothing
Product: Payday loan, title loan, or personal loan

When Im not able to make payments, even after I inform the company about it, I get harassing phone calls from many different numbers. They also come by my house. They call my job multiple times a day and they threaten to garnish my checks. When I tell them about my situation it is no help.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter & request for copies of the credit card bills to XXXX XXXX XXXX noted that some charges are a result of identity theft. XXXX didn't provide me the bills listing all charges. Instead, they illegally re-aged the account which they purchased from the original creditor. Although I have sent numerous certified letters to both Transunion and XXXX, neither have taken the prescribed required measures to correct and delete the accounr.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from XXXX. 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 681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

XXXX business credit card with XXXX  XXXX is reporting incorrectly to my personal consumer report. XXXX  XXXX reduce the credit limit to account balance and my score is affected because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a student loan by the XXXX XXXX XXXX because of information reported by Equifax. They had someone else 's name, birthdate, and various accounts on my credit history that did not belong to me all under my social security number. They falsely claimed that I had a XXXX XXXX XXXX credit card, XXXX account, and XXXX XXXX car loan all opened between XX/XX/XXXX with a combined debt of more than {$4000.00}. I filed a dispute, but the company has still neglected to remove all the accounts that do not belong to met.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( NAVIENT ***** Opened Date XX/XX/2000 XXXX {$0.00} ) This just proves your lack of proper record keeping. Now, this item is reporting to be 30 to 150 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of PAID. Provide documentation that
Product: Credit card or prepaid card

I had seen a few unauthorized transactions on my skylight prepaid mastercard on XX/XX/XXXX in the amounts of {$500.00} with a {$2.00} charge as well, another amount of {$200.00} with another {$2.00} XXXX, and also another amount of {$200.00} with again a {$2.00} charge. All these transactions shown on the account label them as a ATM withdrawal in which I could not possibly make these transactions as at these times they happened which were literally a minute apart from each other I was at my place of work in XXXX XXXX XXXX XXXX Once I got notification of these transactions I called right away to the bank company to try and dispute these amounts. I had spoke to a representative and explained my situation, and then awaited a determination that would take couple weeks for them to to verify. On XX/XX/XXXX I had gotten there finished review of my dispute in which they denied me credit back into the card and read i would recieve a written notice in the mail with why the went against my dispute. These amounts taken from my account are not small and would take me a week of work to make and has caused me many financial burdens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy that EXPERIAN has been reporting on my consumer credit report since XX/XX/XXXX. I have sent them multiple letters disputing the alledged bankruptcy explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company XXXX XXXX XXXX XXXX. I pulled my XXXX XXXX consumer report on XXXX to view the report, Under section XXXX, which is the public records section, there is no bankruptcy listed on my consumer credit report. On XX/XX/XXXX, I sent Experian another certified dispute letter with supporting documentation, showing that there is no bankruptcy listed on my XXXX XXXX consumer report. On XX/XX/XXXX, I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. Complaint # XXXX. Experian responded by stating that no action was taken because they could not verify my identity and by insinuating that they believed I was possibly using a credit repair company. In every letter, I have sent to them I have included a copy of my XXXX state driver 's license and a copy of my social security card. After receiving the response from Experian in regard to XXXX # XXXX, I sent another letter requesting the items be deleted and enclosed a notarized copy of my social security card, XXXX driver 's license, military common access card, my US passport, and a copy of a utility bill from XXXX power, with my name and correct address as proof of my identity. On XX/XX/XXXX, I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever  it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Product: Debt collection

Observed on my credit report a company that is trying to collect a debt from me that I did not sign any kind of contract with, and have never received any kind of notification from them and also says the debt was charged off/sold to another company. This collection on my credit report is keeping my score low and is not correct
Product: Debt collection

XXXX XXXX has wrongly submitted a collection action against me. I began new service with XXXX XXXX, and have nothing but consistent billing errors ( always overbilling ). It has been very difficult working with their customer service department to resolve the issues, but a couple of months ago, I thought everything had finally been resolved, and I suddenly received a collection notice on a bill I was unaware existed. XXXX XXXX refuses to recall the notice, and told me to pay the bill and I would have to deal with the credit reporting bureau on my own. This is unlawful as this bill is in dispute, and I do not believe it is owed. Additionally XXXX XXXX has very confusing billing practices, that confuse not only customers but their customer service group. When I contacted XXXX XXXX they also confirmed they did not show an outstanding balance. Here is the monthly copy of my bill. Since working with their customer service, and resolving all of the disputed amounts, or so I thought, I have not received a notice from XXXX XXXX that there was even an outstanding balance. I will not be blackmailed into paying a bill I was not aware I owed, by threatening me with collection actions. I have outstanding credit and will not allow XXXX XXXX to use these strong arm tactics. I pulled a XXXX report, which I have included as an attachment, and it is showing a consistent trend that they are using these unlawful tactics with everyone. Noticed, the complaints are never on the side of under billing, they are consistently on overbilling issues. And their customer service group is not resolvoing the issues corrected. When calls and discussion happen, I have requested they put it in writing because of all of the errors and miss billings and they refuse. This is also unlawful, since they are quoting pricing and locking consumers into three year contracts. They are not charging what they are quoting and we do n't find out until months later as we are trying to sort through the billing.
Product: Credit card

My wallet and phone were stolen on XXXX XXXX XXXX with my Truist credit card inside. Shortly after, I saw XXXX fraudulent charges being made to my account. I immediately called Truist to have the card blocked and to file a claim for the charges. The claim was created and a new card was issued. However, the charges were allowed to post onto my account and were never reversed. Despite receiving multiple letters in the mail saying the charges would not post, they did post and a balance of over {$7000.00} was added to my card. For the past XXXX months, Truist has charged me interest on those fraud charges and required me to make minimum payments of well over {$100.00} each month despite acknowledging that these are not my charges. Eventually XXXX of the XXXX charges were reversed, but they still have not reversed the remains XXXX. 

I have tried desperately to receive help from Truist customer service to no avail. Each time I call, I constantly get mixed messages about what is happening to my account. I'm transferred to different departments and reps with no one seeming to know or want to help. I've been on the phone for nearly XXXX hours at a time trying to get this resolved. My XXXX XXXX has taken a significant hit because of it. This card had a {$0.00} balance before it was stolen and used. Now I'm being forced to pay for fraud charges.
Product: Credit reporting

I called Equifax 19 times and asked them to remove XXXX of the XXXX inquires on my report that do n't belong to me. I was hung up on 10 times and the other 9 times they told me that I had to call the original creditor. When I spent two full days calling all these creditors all the responses ' where the same. I needed to address it with Equifax. They are running me back and forth in circles. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and the only inquiry on there report for me that is mine is an account I have with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXXXXXX
Product: Student loan

Back in late XX/XX/XXXX my mother had a situation which caused her to become XXXX and not able to leave her home. I left my job and moved in with her in order to help her which turned my life upside down. I had a local nonprofit help me gather all documentation ( Fax, Confirmation, Separation letter, Social Security Confirmation Letter, Letter from former employer, etc. ) and fax it to Navient. I received a fax confirmation from the nonprofit for me records, but in XX/XX/XXXX I received a report that my credit score had dropped due to 10 missed payments being added to my credit report. I filed a dispute with the Credit Bureaus and Navient to have the information removed but they verified the late payments as accurate when they lost my paperwork.
Product: Credit card

I have lost my phone in XXXX and I have a very basic passcode XXXX. Which I believe was very easy to crack, My face id functionality was broken on the phone hence was using a minimal passcode for unlocking it easily. 

My XXXX was totally moved to some new ID by the hacker, during this time and when I called apple to recover apple ID, they not even acknowledge that I had an account, I believe when you move your Id it is totally erased from apple 's systems. 

While this is happening I have no visibility on what's going on with my phone and there were a tonne of transactions and resulted in XXXX dollars charge on my apple card and I disputed them with Goldman sachs directly. 

Goldman Sachs do not have any way for me to let me see my transactions unless I have my apple Id back. This was very difficult situation for me as I couldn't get my account unlocked my apple nor they accept me to move my apple card to another new ID. 
Both Goldmana Sachs and Apple are kicking me back and forth when I ask to view my transaction and take over my account. 

XXXX reported the XXXX dollar to my credit report without resolving my disputes and they have accepted to take my disputes again and review it but I am not confident they would resolve them again this time.