23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a ach transfer from my XXXX  XXXX XXXX account to Truist bank on XX/XX/XXXX for {$470000.00} to there account XXXX routing XXXX as instructed by Truist to pay off my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Md XXXX to now the mortgage has not been paid I received a past due notice for the XX/XX/XXXX payment but since I had paid the loan off I didn t make the payment but had second thoughts because I didn t want it to effect my credit score of XXXX so on XX/XX/XXXX I paid {$2800.00} but now my credit score went to XXXX now I am worried because they want my XX/XX/XXXX payment I tried to talk to Truist called on XX/XX/XXXX was on the phone for XXXX XXXX hours transferred many times and hung up on 2 times I tried again yesterday after XXXX min on the phone was hung up on again// XXXX XXXXXXXX XXXX gave me the Fax number they used and I sent a Fax telling the situation and ask that they call me nothing happened
Product: Debt collection

This account I contacted Med Data Systems with a letter on XX/XX/2022, asking them to send me information so I can verify the account and they never have. 
MED DATA SYS XXXX These accounts listed below were just added to my credit report with out Med Data Systems sending me a XXXX XXXX. I want these accounts to be removed from my profile due to them not following the proper procedures MED DATA SYS XXXX MED DATA SYS XXXX MED DATA SYS XXXX
Product: Prepaid card

I received an electronic American Express gift card as a present in the amount of {$250.00}. 
I am unable to use it at any retailer. 
The retailers tell me its because its not associated with my personal information and the bank declined payment. 
Ive attempted to use this card numerous times to no avail.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Product: Credit card or prepaid card

I was charged amount above what my dental insurance said was due, and charged for incomplete work or work that was never done.
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. 

My name is XXXX XXXX. Remove any other spelling of my name it is not mine. 

My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments. 
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!
Product: Prepaid card

i got XXXX  vanilla visa gift cards. i could not use any in store or gas pump. i contacted vanilla gift card on XX/XX/XXXX XXXX i was promised to get all by XXXX within 3 to 5 business days. i did not get them. i have been calling vanilla but agent refused to disclose case number or tracking number with XXXX to see reason for not delivery
Product: Checking or savings account

Hi, I have opened a checking account in Truist Bank at the branch XXXX XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XX/XX/2022. I deposited some amount eg : {$1400.00} Something. I tried to XXXX some amount to my colleague etc, However, I probably put a wrong phone/email and they locked my account. I tried call them as it directed at XXXX, Option -- 2 then option 3 -- then option 1. But they could not unlock my account and confirm the transfer. They told me to wait for letter to come in my home address but it's been 3/4 weeks they haven't send me any letter to unlock account. Therefore, I went to the branch and tried to unlock the account, I gave them my Bank ID, phone number, SSN number, account number, Driver 's license to draw the money and close my account. The teller said they can't unlock my account-she informed someone over the phone so they will email her and then they will call me in 2/3 business days. This is a bad experience with Truist bank. They are holding my money and not doing their job. 
I had same kind of issues with XXXX XXXX  and XXXX  XXXX XXXX -- My account got locked and they resolved it over the phone in 2 minutes. For Truist Bank, they are taking 3/4 weeks and still they haven't returned my money and close my account. Can I get help on this issue? Attached one of my Truist bank VOID check. XXXX. 
Thanks, XXXX XXXX email : XXXX phone : XXXX
Product: Debt collection

Multiple phone calls from XXXX and texts. When I called the number I was not allowed to finish my sentences. I was interrupted and told if I did not pay right now I would be sued. I requested written debt information regarding this debt and settlement information and how to pay if its legitimate but I was interrupted and told NO YOU MUST PAY NOW OR NOTHING WRITTEN WILL BE SENT TO YOU. I requested written notification and stop calling me but the calls keep coming.
Product: Credit reporting or other personal consumer reports

I disputed addresses that ive never lived at and also debt collections as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$4700.00} which is a high balance to leave on my credit after disputing multiple times confirming this is not my debt, i asked for proof, XXXX  and transunion decided to tell XXXX debt to send me a email of my name and the debt, that is not the proof, under the fair credit reporting law i can reqest proof of the orignial contract with my signature proving this debt is mines, the other XXXX debts i also asked for that proof and all experian is doing is updating my dispute with a note saying " verified " but no PROOF. This is against the law and ive disputed these debts for inaccuracy over 4 times. and XXXX just keeps on giving me the same answer with no proof. Please remove off my credit because the time has passed on these debts to prove what i asked for. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i asked for proof of the original contract, i am not the owner of these debts and if they can not prove it. According to XXXXXXXX XXXX XXXX XXXX  full detail list of payment history of all disputes, original signature on the contract i agree too, also has their been any insurance claim found on this debt and lasty i want to see the chain of title that XXXX and transunion has to collect on this debt. I need both credit agencys to respond asap. This has been disputing over the statue of limit in maryland.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection of XXXX Balance : {$370.00} XXXX : XX/XX/2018 2018
Product: Debt collection

I received a text message from Medical Data Systems at XXXX XXXX  ( PDT ) on Tuesday XXXX XXXX,2024. I live in AZ, with an AZ area code phone number. There is no way the company shouldn't have know that this was outside the prescribed contact hours.
Product: Credit reporting or other personal consumer reports

Jefferson capital systems reported a collection/charge off on my Consumer report without my written instructions or full disclosure prior to reporting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing an account with XXXX  XXXX XXXX  that should have been removed some time ago. I filed a compliant with the State of New York Office of the Attorney General who did forward the information to the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX did agree to have it deleted off my credit report. XXXX has already removed it yet Experian has not. I then decided to contact XXXX XXXX XXXX once again for help using the address that Experian provided under the creditor information and the correspondence was sent back. This is absolutely ridiculous. If Experian doesn't even list the correct contact information then how can they truly investigate this?
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Dispute and Request for Investigation Dear Credit Reporting Agencies, I am writing to formally dispute information on my credit report and request an investigation due to identity theft. I have reason to believe that my personal information has been compromised, leading to fraudulent activity and potentially inaccurate entries on my credit report. 
Evidence of Identity Theft : I recently obtained a consumer report from XXXX XXXX XXXX, a consumer reporting agency, which revealed suspicious activity related to my bank accounts and personal information. Crucially, XXXX XXXX XXXX has already investigated these matters and determined that the accounts and transactions in question were not legitimate. As a result of their investigation and findings of identity theft, they have purged these fraudulent entries from their system. This report shows : * Multiple accounts opened and closed in my name without my knowledge or consent. This includes accounts at various banks, including XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 
* Inaccurate personal information associated with some accounts. This includes incorrect addresses and phone numbers. 
* Suspicious transactions on my existing account. This includes ACH transactions on my XXXX XXXX account ending in XXXX that I did not authorize. 
Specific Concerns : * XXXX  XXXX # : XXXX, Account # : XXXX : Unauthorized ACH transactions on these dates : XX/XX/year>, XX/XX/year>. 
* Multiple closed accounts at XXXX XXXX  XXXX. and XXXX XXXX opened between XXXX and XX/XX/year>. I did not open these accounts. 
* Closed accounts at XXXX XXXX XXXX XXXX with inaccurate address information. 
Request for Investigation : I request that you conduct a thorough investigation into these discrepancies and take the following actions : * Verify the accuracy of all information on my credit report. 
* Remove any fraudulent accounts or inaccurate information, as XXXX XXXX XXXX has already determined them to be fraudulent. 
* Place a fraud alert on my credit file. 
* Provide me with a copy of my updated credit report after the investigation is complete. 
I have attached a copy of the XXXX XXXX XXXX report as supporting documentation. Please let me know if you require any further information. 
Sincerely, [ Your Signature ] [ Your Typed Name ] Enclosures : Early Warning Services Report
Product: Credit reporting or other personal consumer reports

I the personal representative for the XXXX have sent numerous correspondence to EQUIFAX, XXXX, AND XXXX telling them who the XXXX is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.
Product: Student loan

I have an issue of DEPTEDNETLET reporting seven different accounts on my credit report as well as USDOE reporting once for the total amount owed.
Product: Debt collection

Hello, i have an account with venmo and on XX/XX/XXXX they froze my account which is the ONLY money i have access too, i have a sick daughter with no health insurance and i am currently homeless and not working they froze my account due to an unpaid debt that was from ANOTHER venmo account i previously had that was supposed to have been closed OVER 2 years ago, because of someone stealing all of my card and account information when i had lost my items! Not only was the account not closed i still am being held responsible i just took that and told them the only way i was going to be able to pay that even though its not my responsibility but they would have to just take it from my current account, i didnt get a response in the beginning then when i did i was GUARANTEED that the freeze would be lifted the very next day! And here i am still with no money or anything! Please please help me i cant get my childs pampers her milk i am a single mother please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to XXXX to sort this out. Lets see
Product: Credit reporting or other personal consumer reports

My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for XXXX, XXXX and Transunion. I am requesting that this inquiry be removed from my credit report.
Product: Credit reporting

I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 

15 U.S.C 1681 section 602A. Clearly states that 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 verified without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Equifax is stating i did not identify car loan and other details in my supposed file. this can not be since i been homeless for well over a decade sleeping in parks, sidewalks etc. in fact im still homeless and living on the streets nowi gave my name, ss #, a known address and ph # which XXXX and XXXX delivered their fileshaving been victim of identity theft in the past how do i dispute or defend against the inaccuracies. is it from security breach or was i targetedhow you buy car without active license or is this as people saying to me that this is not a winnable case
Product: Credit card or prepaid card

On XX/XX/XXXX five purchases were made on my Citicard MasterCard account. ( Account ending in XXXX ) At XXXX XXXX. that day, I was asked by text if I had made a purchase of {$170.00} at XXXX XXXX XXXX. I was in XXXX, CA at the time and replied NO. ( See XXXX text graphic ) That purchase was turned down but five others were made that day. The amounts are : XXXX XXXX XXXX {$91.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00}  XXXX  XXXX XXXX {$11.00} XXXX, XXXX XXXX {$43.00} Total = {$510.00} I did not make these purchases and I reported them all to Citicard. I included copies of the text I received and a copy of a police report I made in XXXX XXXX. ( attached ) My financial advisor relayed to me that some of my private information may have been exposed. I am presently working with a fraud prevention agency at the expense of my financial institution. In a letter to me ( attached ) Citicard maintains that because a card with a chip was used, and I had my card in my possession, they do not consider any of these purchases to be fraudulent. However, they have not shown me any receipts with my signature on them or any photographic evidence that I appeared at any of these places at the time of the purchase. They did not notify me when they finished investigating. I found out because I made a telephone call to them. I consider their behavior to be grossly irresponsible and careless. The phone number to reach them is on the letter and I will repeat it here : XXXX-XXXX-XXXX-XXXX  I was given a new Citicard account that ends in XXXX. The name on the card is XXXX XXXX. Last four SS digits : XXXX Note : The police report was filed for continued fraudulent activity in the XXXX XXXX and XXXX, CA area in XXXX, XXXX, involving my XXXX Credit Card, but not Citicard. I informed the officer of the Citicard activity and told him that I believe all this fraudulent activity was done by the same individuals.
Product: Credit reporting or other personal consumer reports

Coxt cables, and thousands of emails and Email constantly sold it to creditors and they still able to put this back on my credit this have been Removed several times
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) ACCOUNT - XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



NAVY FCU SUMMIT FIN { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.