23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card account with Bank of America in spring 2019 with a XXXX balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. Bank of America never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.
Product: Debt collection

My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$7900.00}
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CBE group ( Account # XXXX ) is reporting a very old debt on my credit file. This debt is not only past the statute but also past the credit reporting limit. I would like to request that CBE Group remove this debt from my credit file. I no longer owe this debt and it should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I applied for a credit card and was denied due to Equifax having my information wrong in their system. In XX/XX/XXXX I applied for a loan ( {$20000.00} ) and was denied for the same reason. In XXXX of XXXX I was denied a loan ( {$10000.00} ) I then reached out to equifax via mail and phone over the course of a year and a half. Every time I called equifax I was told to send in more personal information, so I did. Every time I mailed in my information I received letters to send in even more personal information. I checked up with Equifax each time I sent them information and no action was taken. In XXXX I applied for a credit card once again and was denied. While speaking to my bank associate we found exactly what the issue was. There is someone elses name attached to my social security number. I notified Equifax of the issue and sent them proof and they have not contacted back and no action has been taken since in four months.
Product: Credit reporting or other personal consumer reports

This account was CHARGED OFF on the following date XX/XX/2021, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. 

A charged off account should not include an active payment history. This INACCURATE INFORMATION falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to understand why a credit inquiry must stay on a credit report for 24 months In XXXXXXXX XXXX XXXX I opened a XXXX  credit card the inquiry is set to fall off XXXX XXXX XXXX It is month XXXX of XXXX why can't the inquiry be removed as of right now XX/XX/XXXX. 

The XXXX account is accurate referenced above I would like equifax to remove the inquiry from XXXX XXXX and keep the account on the report.
Product: Credit card

To Whom It May Concern : RE : Refund of cancelled flight tickets purchased on XXXX XXXX- I made a flight reservation was for a refundable XXXX  round trip tickets which was purchased originally for USD {$1400.00} on XX/XX/XXXX. 
XXXX - This reservation was eventually canceled on XX/XX/XXXX and per XXXX emails attached below I was supposed to receive a refund within 30 days as per XXXX  ( see attached ). 
XXXX - However, even after 60 days, neither have I received any refund and neither can I get any response from the merchant. Therefore, I requested that the funds of {$1400.00} be refunded to my Citi MasterCard ending XXXX forthwith. Citi Business Customer Service also issued a temporary credit to my account during the investigation. 
XXXX - Citi Business Customer Service reversed the credit based on misleading information initially provided by the merchant XXXX and failed to communicate with me prior to reversing the temporary credit. They completely failed to review the incorrect documents sent to them by XXXX. Citi cancelled my dispute against me based on information provided for a completely unrelated transaction XXXX - I promptly called Citi and they stated that they will reopen the case and asked me to fax the supporting documents and promised me a resolution within XXXX business days. This is not true whatsoever. 
XXXX - I received another letter from Citi stating they the merchant XXXX has refused to issue a credit and that they can not do anything and reversed my temporary credit one more time. 
XXXX - At this point I am helpless and can not do anything because neither XXXX nor Citi Business Customer Service have refused to help me or assist me in this matter. 
I have cancelled the reservation on-time and did not use any of the services whatsoever. 
Therefore, I humbly seek your assistance in recovering my funds in the amount of USD {$1400.00} plus applicable daily accrued interest per prime rate for the unscrupulous delay. 
Yours truly, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 XXXX XXXX with XXXX XXXX called my wife 's cell phone and my also my cell phone leaving me a voice message. He said he was trying to contact my daughter and her husband XXXX and XXXX XXXX about an important matter. My wife spoke with him on the phone XX/XX/2021 and said she will inform our daughter. He called my wife 's phone again the this morning at XX/XX/2021. This is harassment! 

XXXX XXXX lied to my wife suggesting my daughter and son in law listed my wife and I as second contacts which was not true. He broke the law. 

My wife and I don't owe XXXX XXXX any money. They have no reason to continue calling us and harrassing us. I contacted XXXX XXXX XXXX this morning and warned him to never contact my wife and I again. I also informed him that I was filing a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to annualcreditreport.com and attempted to get a credit report from Experian. I filled in my information, and instead of my credit report, I got a message saying that Experian is not offering the reports online and I would need to print out a form and mail it to them. 

This is not a transient problem. I have tried this repeatedly over the last year and keep getting this message. I am not having trouble getting credit reports from XXXX or XXXX, but only Experian. The CFPB needs to make sure that Experian is fulfilling their mandate of providing free credit reports on annualcreditreport.com, because they are currently not doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}
Product: Consumer Loan

On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?
Product: Credit reporting or other personal consumer reports

RE : XXXX ; XXXX, Extra ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on XXXX, XXXX nor EXTRA privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution EXTRA violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Truist ( XXXX Suntrust ) calculated our escrow account incorrectly by including an incorrect insurance payment that they never made for {$4700.00}. It increased our mortgage payment by {$270.00} per month. I called them in XXXX and a customer service rep was actually helpful and figured out the error behind the scenes without me having to deal with numerous people. She said that a new analysis would be done and sent to us with a corrected monthly payment by XX/XX/XXXX. Since we did not receive anything via mail or email, I called today and was told that the request for a new escrow analysis was closed with no action ( and no communication ). I was told that the request was input again today and would be ready in XXXX business days by XXXX representative in the insurance dept and 4 days by another representative from the customer service dept. Our XXXX payment included the extra amount to avoid the nightmare of dealing with them for an underpayment. Now our XXXX payment is due. Please ensure that Truist follows through with the new escrow analysis. Thank you.
Product: Credit reporting or other personal consumer reports

i I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$80.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I notified American Express in advance that my payment was going to be late that was due on XX/XX/2021 because the XXXX XXXX made a processing error that was no caught in time. I received a phone call 5 business days past my due date on XX/XX/2021 from a Debt Collector harassing and threatening me to cancel the check and wire funds immediately. The Debt Collector requested I make an additional payment instead of the original amount. I did not cancel the check. American Express received the check same day. I also had to ACH additional funds because American Express kept freezing and putting my account on hold. I was not able to use my card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.Sunrise credit service {$1900.00}
Product: Mortgage

My account which I would like to address today is my mortgage with Loandepot Account # XXXX I notice a late pay reported in XX/XX/2020. During that time I was unable to make my payment due to Covid-19 I. When I was well enough to work I did make the payment immediately. I did get a financial accommodation done were the fees were waived and based on the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

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  ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : THIS ACCOUNT IS UNER FRUAD NEED REMOVED ASAP. ALSO TRYING TO GET A HOME SOON.

I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ ] XXXX Reason : [ INFO NOT RIGHT THIS UNDER FRAUD NEED REMOVED PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.
Product: Checking or savings account

I have so much issued with paying my bills, non sufficient funds. Sometime my accounts would froze can't used my debit card at all.so I closed n left wells Fargo
Product: Credit reporting or other personal consumer reports

XXXX FIRST ACCESS BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Original creditor sold to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX to XXXX these accounts : Account,. 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 1681i ( 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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX  and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.