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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 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 XX/XX/year>
Product: Mortgage

My husband passed XX/XX/2020 from a terminal illness that was aggravated by Covid-19. I sent Mr. Cooper a request for mortgage assistance to lower the 2nd mortgage payment because I have lost his income. Mr. Cooper has sent my mortgage to and Attorney for the delinquent. Mr Cooper has been unwilling to assist me with lowering my mortgage payment. There is a 1st and 2nd mortgage on my home and I'm on a fixed incomed. Please Help I don't want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATION/XXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt.

2. The amount owed and a breakdown of the charges.

3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate. 
If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
XXXX financial -reporting 2 months late- XXXX report says all payments are up to date. 
XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
XXXXXXXX XXXX XXXX lists 2 months back-to-back 90 days late. 
XXXX marked 30 days late, but also says all payments made and in good standing. 
XXXX XXXX says 120 days late but shows in good standing. 
XXXX shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. 
XXXXXXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
XXXXXXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXXXXXX XXXX XXXX XXXX never had an account with this bank, XXXX payments behind. 
XXXX XXXX XXXX reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.
Product: Mortgage

I have an FHA loan with SunTrust mortgage now Truist. My father ( now deceased ) was the co borrow on my loan but not living within my home. The past year, since XX/XX/XXXX, SunTrust has except and authorized a billing address change over 20 time from an unauthorized and unknown Individual via USPS postage card requesting a '' change in billing address. '' I have spent over 24 hour in total this past year trying to address this issue with no resolve. I spoke with a XXXX today, in which my XXXX mortgage statement and paperwork for a Forbearance where sent to 2 different addresses which 1 was my deceased fathers whom passed on XX/XX/XXXX. The other address is my paternal grandmother I am astranged from. 

2nd, I have requested Truist remove my fathers name from the loan in attempts to stop my mail theft. I provided Truist on 2 dates via 2 different methods copies on my fathers death certificates and my birth certificate.

3rd, Truist has failed to process my forbearance and or Covid hardship form within the allotted time frame. It has now been almost a month I can not get answers from the Truist customer service phone workers.

4th, I am missing a {$100.00} check which was issued to myself for a bad check SunTrust disbursed for escrow back in XXXX XXXX. ( XXXX from XXXX location spoke with )
Product: Vehicle loan or lease

Live in Georgia, Began our loan with santander in  XXXX . Used   XXXX   XXXX   XXXX   XXXX  . Vehicle I'd XXXX . Beginning balance  XXXX  We began payments at   XXXX   a month, but the interest rate was 24.99 %, then it was raised to  XXXX . We have paid over 50 payments which is over 18,000.00. We were late at times, but santander says our balance is  XXXX . Account number is  XXXX . They tell us that because of being late causes our payments to go to interest, not balance. How can a car loan cause the finance rate for us to pay  XXXX  for a  XXXX  loan.
We read in other states that santander was punished for interest rate loans. Texas is being investigated also. We have never received any payment receipts or balance records from this company.
My email is   XXXX    Phone  XXXX  This is my complaint   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, The Consumer Reporting Agency EQUIFAX had sent me a message stating that it had Deleted an Account identified as XXXX XXXX XXXX. ( see attached ). XXXX XXXX XXXX is still reporting on my Equifax Consumer report ( see attached ). XXXX XXXX XXXX is reporting as a Collection status and for the amount of {XXXX  Equifax had informed me that this account had been deleted but in reality never really done so. This might just be a mistake on Equifax behalf, but detrimental to my Consumer report non-the-less.
Product: Credit card or prepaid card

I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.
Product: Debt collection

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : DEPT OF ED/XXXX XXXX DOE XXXX  XXXX INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Received a dept letter saying that I owe for XXXX  account I don't have. The letter from XXXXTransworld systems inc . 
XXXX account # XXXX Date XX/XX/2023 reference/account # XXXX
Product: Credit card or prepaid card

I had a Bluebird American Express card from XXXX in the name of XXXX XXXX. My sister XXXX XXXX who lives in XXXXXXXX Arkansas stole my card and has stolen several checks from me via USPS mail. Deposited them onto that card and spent my money.
Product: Student loan

On XXXX  I submitted an email inquiry to my loan servicer EdFinancial, through their website. 

On XX/XX/ I received the attached email saying they had spoken to me and that my issue is resolved when in fact, I have NOT spoken to EdFinancial and the issue is NOT resolved. No representative has contacted me since I contacted them on XXXX 

In addition, the issue which I emailed about is NOT resolved as of today, XXXX
Product: Debt collection

This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by XXXX XXXX. That agency apparently is no longer involved. Recently I was contacted by another collection agency American Recovery Services Incorporated, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an XXXX XXXX card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX  of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an XXXX XXXX card, however XXXX is now attempting to collect this unpaid balance ( on behalf of XXXX XXXX. This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX has violated my rights. 


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

15 U.S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to dispute the reporting of a fraudulent account on my credit report, which is only being reported by your bureau. After carefully reviewing my credit reports from other bureaus, it has come to my attention that this specific fraudulent account is not reflected in their reports. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 
I am perplexed and concerned about the inconsistency in reporting, as it suggests an error on your part or, worse, a potential security breach. Given that the fraudulent account is not being reported by other credit bureaus, I strongly believe there is an issue specific to your reporting system. 
I have taken the necessary steps to address this matter with the other credit bureaus, and they have not listed the fraudulent account on my credit report. It is evident that this account is a result of fraudulent activity, and it is essential to rectify this situation promptly. 
I understand that it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I request an immediate and thorough investigation into why this fraudulent account is uniquely present on your credit report and not on reports from other reputable bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ). 

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Product: Student loan

On XX/XX/XXXX I submitted an application to NELNET one of the Loan Servicers for the U.S Dept. of Education. The application request was for XXXX XXXX XXXX XXXX Discharge of all my student loans. I had become totally and permanently XXXX since graduating from college in XX/XX/XXXX. My Physicians have verified and submitted to NELNET well within each 30 to 60 days timeframe all the information NELNET requested, it 's been 2 years, and to date NELNET has refused to comply with the federal and state guidelines to forgive all my loans .I received on these dates - XX/XX/XXXX and XX/XX/XXXX pages of denial. ( NELNETS reason for Discharge Ineligibility ) " You did not provide the required documentation for the XXXX discharge and have not responded to our request to provide the missing information ; specifically, you did not provide clarification or missing information from you physician on your application and have not received an valid response. '' This was NELNETS reasoning after 2 yrs of processing my original application from the date of XX/XX/XXXX. Correspondence to NELNET via phone, fax, letter, certified mail has been submitted to them multiple times within 2 yrs.
Product: Checking or savings account

In XX/XX/XXXX I applied for an HSBC checking account and it was rejected because they " could not verify my identity ''. I thought I might have made an error in the application so I reapplied several times and each time I was rejected for the same reason. 
I am XXXX years old, retired and lived in Ct for 50 years.Prior to retirement I held several uS Security clearances. My credit score is about 800. 
I supplied HSBC with my drivers license info as well as info on an account at XXXX XXXX I have asked them many times what the issue is and get no answer
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX {$1200.00} Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} Date Open : XX/XX/XXXX XXXX XXXX {$100.00} Date : Open : XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$140.00} Date Open XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX {$9000.00} Date Open : XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX {$1100.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$260.00} Date Open : XX/XX/XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$820.00} Date Open : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1600.00} Date Open : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Based on my findings, I kindly request your immediate attention to investigate and delete three erroneous accounts currently present on my Credit Report. 

The account is named IC systems. Three account numbers XXXX, XXXX, and XXXX as what is showing in XXXX and in XXXX it shows the following opened dates for the three IC SYSTEM accounts : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no account with this company and I do not owe them money. 

Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to
provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( XXXX ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.