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

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX for an Auto loan that was paid off in a bankruptcy that i had filed. The Company i had the account with was XXXX XXXX. I provided actual court documents which say i have completely paid off the loan for the car and the last dispersement to them was XX/XX/XXXX. I gave them transaction dates were every date the got paid from the trustee from the bankruptcy. All these files are all public access online and my lawyer. The last date on the dispute that says that they have received payment on the account was XX/XX/XXXX which was the last dispersement. They show no other payments at all. They say i only made XXXX payments and i XXXX. XXXX, XXXX, and Experian all have the account with the balance as XXXX or XXXX and that's not right. The balance is actually paid off and i would like my reports to reflect that.
Product: Debt collection

I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX  XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

Applied for mortgage relief under the CARES Act but after being interrogated by HomeLoanserv in XXXXXXXX XXXX ( XXXX ), I was denied. On XX/XX/2022, I forwarded a letter to XXXX XXXX XXXX XXXX, President informing them that It is my understanding of the law that as long as your request is XXXX  related mortgage companies are obligated to provide assistance under CARES Act.
Product: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with Experian, XXXX, and XXXX regarding the reporting of late payments. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX  - ( Account XXXX XXXX  ) XXXX XXXX  - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX I can not see the paid-off auto loan on my XXXX credit report. Please report it back on the XXXX, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX charged off my account, even though it was not 120 days late. At any rate, I have a Charge Off for it. The charge off was in XXXX. Now, XXXX, adds an ( S ) to the word Charge Off, making it read as " XXXX XXXX '', and has a XXXX on there. Now it looks as if I have XXXX accounts with XXXX XXXX  XXXX as a XXXX Off, and each month they add a number to it. A charge off can only be XXXX single event. After that the account show should Not Reported for payments and should not be adding to the " number '' in front of the word Charge Off, making it plural with an S, and changing the number of instances. The number of instances is fundamentally wrong. 

They also did the Exact same thing with my XXXX 's account Status. 

Charge Off can only be 1 incident. 

To try and say I have been charged off 4 times, is egrergious, false, and lacks merit. 

I had 2 accounts charge off. The number stays there. 

I have not had 4 accounts, as is the way Experian  makes it look. 

This is a disservice to the consumer, especially someone affected by XXXX, who did not get unemployment benefits for 94 days because the State of AZ did not have the 'right system in place yet to authorize the self employed individuals under the CARES act. '' Otherwise this wouldn't even have gone without being paid, if I had received my funds on time from the AZ Unemployment Authority. 

At any rate, this cred report and not factual statements and falsehoods of Multiple Charge Offs per XXXX and Multiple Charge Off per XXXX  XXXX needs to be fixed by Experian. It is Experian 's report, not the creditor. Creditor has been sending in the file as Not Reported correctly, it is Experian that keeps changing the number of times and made it plural.
Product: Debt collection

I am a co-signer on an auto loan for my son who is XXXX XXXX Military. SunTrust Bank holds the loan. It was problematic right from the start. They had incorrect information on their documents which required us to make two special trips back to the dealership which was very difficult for my son to do since the base was an hour and a half away from the dealership. My son moves around a lot and changed bank accounts a couple of times and the automatic payment for the vehicle did not go through at one point. My son made a payment which he intended for the missed payment only it did n't get posted to that. It was posted as a payment to his current bill. We did not realize this payment was still outstanding. 

In XX/XX/XXXX apparently there were insufficient funds in his account to cover the payment so it bounced back. Neither he nor I had any idea this had happened. On Monday, XX/XX/XXXX at XXXX I picked up my mail and saw a notice from Suntrust Bank dated XX/XX/XXXX showing an amount owing of {$1200.00} ( an amount equal to two payments ). I planned to call SunTrust the next day ( Tuesday, XX/XX/XXXX ) to find out what this was about but before I could I received a call from my son telling me his truck was gone. 

When I did speak with SunTrust they were the rudest most awful people imaginable. They claimed they sent notices regarding the delinquency but the first and only one we received was the night before the vehicle was repossessed. They claim they called us but neither my son nor I received a single phone call and ALL of our information is on the loan documents and our cell phone numbers have not changed. So they are liars as well as thieves. We were not given any time to do anything about this before they took the vehicle and if you have n't ever dealt with a vehicle repossession trust me you do not want to - It is a royal pain not to mention very expensive!!!! I have called twice to attempt to speak to a Manager at SunTrust and have left messages but no one will call me back. 

I do n't care whether it is legal or not what they 've done but it is immoral. They should not be allowed to treat our XXXX XXXX Military in such a deplorable fashion! And, to have a SunTrust employee lecturing me on how I should have raised my son - that he 's the problem not them - is an insult and a judgement she was not qualified to make nor has any right to make. 

They cost us hundreds of dollars in repo fees, wire transfer fees, and Police Dept release fees. It also cost my son two days off of work to get this all settled and get his vehicle back. All of this would have been completely unnecessary if they would have actually contacted us as they claim to have. Getting a single notice the day the vehicle is repossessed is useless! 

When I first went to this site I looked up SunTrust Bank and found over 1,000 complaints for a wide variety of mistakes and unethical behavior. Something needs to be done about them! The way in which they operate is inefficient and negligent and the way they treat people is downright abusive!
Product: Credit card or prepaid card

Hi, I have an account opened since XXXX  with this Bank ( Chase ) ... which was previously with Washington Mutual Bank with which I had a Debit card. I live in XXXX and I wanted to use a Debit card for which I made the Application in XXXX of this year. After several claims and paying international shipping, I received the card more than 1 month ago, but the PIN did not reach me even though the Bank says it has sent it 3 times. I have complained several times ( it has been almost 3 months and it does not arrive ) but they do not give me a solution or are not interested in knowing what happened with the sending of the PIN. They always tell me that the PIN should be mailed to me, but they don't bother to find out. I have even said that I pay for international shipping and they tell me that it is not possible, but no one gives me an alternative or attend to me. They only respond like robots and in the meantime, I can't use my money. I am desperate and I would like someone at the BANK to act and make sure that the PIN reaches me. I really don't understand why they can't use digital systems. My husband 's company has just changed his corporate credit card and he has done everything ( application and PIN ) online. 
I appreciate your management so that they treat me correctly and solve my problem. 

Atach many contacts I did ( in XXXX sorry ) with the Back asking for a soluction where they response as robot .. always the same. 

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

Attention : Credit reporting agency, Experian Date : XXXXTo Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account XXXX XXXX XXXX, Account XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full XXXX is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 SSN : XXXX
Product: Credit reporting or other personal consumer reports

Filed dispute with XXXX on XX/XX/year>. XXXX completed the dispute same day. Therefore, I believe no investigation was attempted. I received dispute results same day I filed the dispute & it was marked completed & updated. In addition, names listed are inaccurate. I've only used XXXX XXXX XXXX. No other names. Phone & addresses are also inaccurate. I live at XXXX XXXX XXXX in XXXX, TX XXXX & my phone number ends XXXX. I am unaware of any other addresses or phone numbers listed on my report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received an email that I had opened an account with Affirm, which I had not. It was addressed to " XXXX XXXX '' which is not me. It appears that someone had used my email address to open their account and Affirm never even bothered to verify that they own the email account. Now I get all of this person 's servicing alerts to my email. 

I don't know how they even allow a random user to use an email address they don't even have access to, and I have contacted Affirm twice to have my email address removed from that account. Yet I still receive all these emails, the latest one today, the date of this complaint, XX/XX/XXXX. I just want them to remove it so I stop receiving continued servicing emails that one can not opt out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently, have full reviewed my credit reports and to my suprise there is information and debts being reported that are not mine i have disputed but do not believe that a proper consumer investigation was conducted. According to the Fair Credit Reporting Act 15 US 1681a section 3 ( e ) A consumer investigation requires interviews by neighbors, friends and associate who might have information regarding the assumed debt. I have contacted people who i am familiar with and none of them has been interviewed in regards to any of these assumed debts. I want a proper consumer investigation on all disputed debts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a XXXX card offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXX card in XX/XX/XXXX and it took effect on my XXXX card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over 6months of contacting both companies. Please step in to get this corrected. 

In addition when American express was presented with the transmittal form from XXXX showing the payment made to them they have done nothing to get my money paid bac to me