23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reported Suntrust to CFPB a few weeks ago for invading my privacy by sending strangers to my home for no reason. The complaint ID for my complaint is XXXX. The response was laced with misinformation and flat-out lies. I also wanted a response as to why SunTrust decided to only grant XXXX  months of forbearance when I requested 6 months. As such, I sent several emails to the rep that responded to the CFPB 's complaint, called SunTrust, and requested to speak with the person who is tasked with managing my account during forbearance. However, I am yet to receive a response from either one of them. 

I contacted the bank again a few days ago after receiving a statement that shows {$12000.00} due by XX/XX/XXXX XXXX see attached statement ). On this statement, you will also see several {$20.00} charges ( the rep stated she was going to address this in her response to my previous complaint ) for " home inspection. '' My monthly mortgage payment is XXXX. I have not paid since XX/XX/2021. Therefore XXXX XXXX = {$11000.00}. According to the Cares Act, no additional fees are supposed to be assessed against a loan that is in forbearance. To date, no one is willing to speak to me to address this issue. What is the reason for the additional {$1600.00}? 

In her response to the complaint ( XXXX ), the agent stated no one should be coming to my home since the account is in forbearance. Why are they still coming every month? In my previous complaint, I asked SunTrust to cease and desist ( even delinquent accounts that are not in forbearance can ask banks to cease and desist in-person visits ) but this has done nothing to stop SunTrust from sending people to my home, peeping in, taking pictures through the blinds, and walking around my home. 
At XXXX this morning, XX/XX/2021, Suntrust sent yet another agent to my home, peeping in and taking pictures through the opened blinds, walking around the home, taking pictures of the mailbox, and leaving an " urgent notice '' on my front door. My cease and desist was ignored by SunTrust. 
In summary, SunTrust has ignored my cease and desist request and refused to address concerns that I have regarding unauthorized fees on my account.
Product: Credit card

Southwest Airlines is offering a Chase credit card showing {$200.00} off a flight when you apply for the card. It had a screen showing my flight cost reduced from {$350.00} to {$150.00}. I clicked the link to apply for the card, and was approved. When I returned to purchase, it had the credit card information loaded but is no longer offering the {$200.00} off. I also checked online and it seems a lot of people are having the same problem. It feels like a bait and switch. I would not have opened the credit card if they were not offering the credit. Id like either the credit on the original flight and fare, or card cancelled, but Im concerned cancelling the card will ding my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that I was a victim of personal identity theft and that I have multiple ( XXXX ) hard inquiries on my credit report that do not belong to me, due to the person trying to open up different credit card accounts. None of them were accepted but all the inquiries are negatively impacting my credit score. I let all of the crediting companies know ( XXXX, XXXX XXXX Capital One/Saks , XXXX XXXX XXXX ) but had a ton of trouble with Capital One. All the other XXXX banks were quick over the phone to discover the fake application, mark it as fraud, and file the dispute to all XXXX credit bureaus on my behalf, but Capital One insisted that they did not have a process in place for it. Instead, they asked that I fax over a photo of my social security card or passport, which I think is ridiculous. I called XXXX separate times to try to get a solution but they are the only ones who do not have this process set up, I believe I was treated unfairly.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported to XXXX transunion and XXXX credit that i was credit hacked and that the bankruptcys and XXXX XXXX and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block
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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 card or prepaid card

Card ending in XXXX I never requested or activated reported it lost a year ago my SSI benefits were pending on this card for XX/XX/19 I was sent new card week ago XXXX asked to have my benefits direct deposited on that card I was denied just got it two days they would not close that lost or send my benefits to my new card want me to wait get new card after XX/XX/19 phone be off no food no personal items the direct express refused to do a card transfer to my new card keep lying on phone to me
Product: Credit reporting or other personal consumer reports

these companies ran my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are all unverified and unauthorized .... they are showing on TransUnion this company ran my credit without my permission also XXXX ) XX/XX/XXXXXXXX XXXX XXXX  account is being reported through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 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
Product: Credit reporting or other personal consumer reports

In my credit report i found multiple information that not belong to me, Like phone numbers- 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 and addresses - XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Already asked transunion for deletion of false information but the info still in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Product: Debt collection

Please read the attached correspondence between XXXX XXXX, XXXX XXXX Rice XXXX XXXX First Advantage/NCAC and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX XXXX son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manageXXXX and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, a copy of email address was wrong. XXXX a realtor so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. Please review the correspondence between the debt collector and XXXX XXXX XXXX In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Texas XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint Against Wells Fargo for Deceptive Practices and Fraudulent Consumer Behavior To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their deceptive practices and fraudulent behavior towards customers. Wells Fargo advertised a {$320.00} reward for opening a new account, a key factor in my decision to bank with them. However, after following all the stipulated requirements and opening the account, I was later informed that this service and reward were not available. 

This is a clear case of consumer fraud, as the banks initial promise was not honored, and their subsequent response to my complaint did not address or resolve the issue. Such practices not only deceive customers but also erode trust in the banking system. 

I request that Wells Fargo be held accountable for their actions and that appropriate measures be taken to ensure they rectify the situation by providing the promised reward. Additionally, I urge a thorough investigation into their advertising practices to prevent further consumer deception. 

I am also submitting this complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Consumer Financial Protection Bureau ( CFPB ) for further review and action. 

Thank you for your attention to this matter. 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I would appreciate receiving an official letter from your office confirming the cancellation of the above debt. 

If this charge-off is found to be inaccurate, I expect it to be removed from my credit report.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

My phone was stolen and money was sent from my cashapp account to someone. When my phone was found and returned to me I requested refund from the cashapp app and I have not received anything back. I have asked cashapp to protect me and they said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX and multiple other XXXX accounts 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 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 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Product: Mortgage

We have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 
we have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 

I have requested the assistance of an attorney office to help investigate some issues with my mortgage, I do not believe I have signed some of the documents they claim to have due to the dates they are claiming, since I have never received a copy of my closing documents at time of closing I had mad a formal request of all documents in order to make sure my loan is correct. 

since XX/XX/XXXX the original bank " XXXX XXXX '' refuse to give me my copies of my mortgage, my X husband has been in charge of making the payments and controlling the flow of information coming from the bank, since the change of lenders I had found out because people came to the house and told me the loan was behind, but no one has been able to help us at the bank. 

the attorney was the only person able to get the account number from the SPS but has still not sent in our proof of documents. 

I XXXX XXXX and my daughter are the only ones living the house for 12 years and the house was an inheritance from my father, I ave lived there for 41 years.
Product: Mortgage

BSI Financial Services took over my existing Conventional Home Loan on XX/XX/2022 from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. From XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Payment history incorrect. Showing multiple late payments. 

XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX Some look as if they are duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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

The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.