23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX   check for not being able to comprehend like a normal adult. My brain works on a XXXX  year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system
Product: Credit reporting or other personal consumer reports

Please see attached doafacuments. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have XXXX fraudulent addresses I wont removed 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, MI XXXX * XXXX XXXX XXXX  XXXX XXXX, MI XXXX
Product: Prepaid card

I bought a card XXXX from XXXX on or around XX/XX/year> for {$490.00} plus {$4.00} fees. The card worked for a little bit but then stopped working. I spoke with XXXX and tried to get a replacement, but the company refused to activate the replacement that arrived in the mail. I am out {$190.00} plus {$4.00} fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX XXXX, Transunion ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.
Product: Debt collection

The previous servicer of my mortgage, XXXX ( XXXX XXXX XXXX ) sold the servicing to Select Portfolio Servicing effective XX/XX/XXXX. Even though I had already made the XXXX payment to XXXX, I received an abandoned call from XXXX from " SPS Servicing '' at XXXX am this morning XX/XX/XXXX. 

XXXX searches show repeated complaints about Select Portfolio Servicing not handling payments correctly and reporting on time payments to the credit bureaus as late, and also that Select Portfolio Servicing uses XXXX to make collection phone calls to consumers on payments that are not late.
Product: Checking or savings account

I am writing to file against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFBP findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my acct transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT, I HAVE UNAUTHORIZED INQUIRES ON TRANSUNION MOST OF THE INQUIRES WERE REMOVE BUT 3 STILL REMAIN ON MY REPORT. XXXX XXXX, XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB to request that TransUnion, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Specifically, I want the following fraudulent accounts removed from my report XXXX 1XXXX A XXXX XXXX XXXX account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$8600.00}. 
2. A XXXX XXXX XXXX XXXXccount opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
3. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$550.00}. 
4. A banking account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
5. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer credit report from TransUnion that includes these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts and collections are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/year> - {$340.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Truist keeps charging me overdraft fees even though I never opted into the overdraft program. They will cover {$6.00} worth of stuff and charge me {$35.00} per charge.
Product: Debt collection

COmpany called me stating the lady was from XXXX, I made a payment to XXXX, only to find out the lady lied to me and is infact a debt collector from the company Qualia Collection Svcr. This lying is misleading and wrong. I spoke to XXXX directly to make the payment in the past, and not this company. Lying is not allowed
Product: Payday loan, title loan, or personal loan

As I try to fix my credit I am approaching unpaid debts and paying settlements around 30-40 % of the original debt as my budget allows. I have closed out all my accounts this way except Mariner Finance. When I contacted them they were inflexible and vindictively started late fees on my account because I could not pay the full amount. Upon examination of there reputation I found they are considered a predatory lender by these XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the firm that runs Mariner is a tax fraud and emblematic of their greed machine. 

XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount {$2600.00} -
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. XXXX I was attempting to set up an account on Cash app for my new phone. As I was typing in the information an account with my married name popped up with a username very similar to an account that I already have. However, the account that I found was under my maiden name XXXX XXXX and my account that has been active since XX/XX/XXXX is under my married name, XXXX XXXX. I sent the fraudulent account {$1.00} so that I could prove it existed and not authorized and immediately made a police report with XXXX Police Department XXXX report # XXXX XXXX.
Product: Credit reporting

Equfax indicated that the public record investigation indicated the liens were released, but did not update the credit report. 

The liens were released in XXXX 2014
Product: Mortgage

Bank of America I have had this loan for about 10 yrs and do not escrow taxes or insurance. I have never been late on a payment. Taxes and insurance are up to date. Recently during this pandemic a payment to taxes posted late. The bank is now saying i have to escrow tax and ins. i can not afford what they are asking me to pay. I have spent MANY hrs trying to get a person on the phone with no luck. Sent them a certified letter with no call back. I have emailed them multiple times and no one has contacted me. I work in healthcare and pride myself on always having good credit. I do not want this bank to ruin things for me. Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$11000.00}
Product: Debt collection

I am not sure of the dates but I have spoken to Spring Oak Capital and asked for verification all they send me are the bills. I have asked many times for documentation that I signed an agreement with them to collect on this debt and they will not provide me with this information. I have disputed this with XXXX and they just tell me the debt is accurate but don't tell me anything else or show me any proof. The fact that the account is listed on my credit report as open but is in collections should be enough to get it removed from my credit report along with the missing verification that I agreed to even work with this company. Spring Oak Capital is not even the original owner of this account. So wouldn't I have had to have agreed to work with this company in order for them to collect on this debt. They can't provide the documents that shows that I agreed to work with them so in my opinion it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXXXXXX Date opened XX/XX/ 2014 Balance : XXXX
Product: Debt collection

Professional Finance Company or PFC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Put a negative report on my credit report. We have tried to contact them with no response we also sent via XXXX  with a signature required letter they did sign for the letter but refuse to respond to us. 
Don't understand why they are in this business if they can't respond after placing a negative report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Someone keeps taking from me and locking me out my accounts I never had any loan I can not get a bank account and I know that it's not because I owe anyone cause I do not my credit report reflects that I have 100 % payment history and I can't get a bank account and XXXX has stolen thousands from me along with other people. My name is XXXX XXXX XXXX XXXX XXXX and I'm very sad upon reading into the federal reserve that my name is all over it. Ingo XXXX and XXXX  and every single bank in my town deny my access to just make a account I'm being directly denied rights that anyone has and I'm in college and I am working too change the community for the better and I can't even use a bank account in the United States I have nothing now XXXX made sure of it and I have spent a life with out but upon reading my name so many times transparency maybe a better solution. Please help me get this fixed I'm trying so hard to explain my self and I'm not sure if you could understand what I'm saying but I owe no one and I'm being unfairly denied basic things and I don't know why this has put me in danger many times it's left me homeless and starving because someone empties my prepaid accounts out as fast as I can add money.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy 2 months ago all accounts have been closed now XXXX XXXX is reporting my accounts as of 30 days late which is further dropping my scores after the accounts have been reported closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I received my XXXX  XXXX card for unemployment compensation. I tried several times to activate my card. It continually tells me my information isn't correct and will not let me speak to an actual person to resolve this problem. I tried sending an email to the department of labor, but it won't go through.
Product: Mortgage

I applied for a Jumbo refinance of the home I have lived in since XXXX to reduce my interest payment amount and consolidate a XXXX with Case Bank. I make XXXX a year and have a 20 % debt to income ratio. 
The underwriting department held corporate debt which is paid by mycompany against my personal income and subsequently after a XXXX monthprocess declined the deal. 
In that time the interest rate went up almost one half a percent. 
During the whole process their private investigation company hitMy wife 's credit report so many times that it dropped her credit scorefrom a XXXX to XXXX in XXXX days. Chase Bank should be appalled at theirincredible incompetence when it comes to accurately reviewing financialInformation correctly. Their Mortgage department is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : 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, credit repair services, or other personal consumer reports

date XX/XX/2020. I was making my payments on timely matter until I was unable to make them. I reached out to the company to try to make an agreement but I could not afford what they wanted. I stop paying because I could not afford what they were asking. I was willing to pay the smaller amount, but they werent willing to accept those payments. They sent it to collection total amount they're asking a total of {$5500.00}. They were asking for monthly payments of {$100.00}. XXXX. The collection agency balances {$2500.00} with late fees of {$30.00}, collection fee of {$87.00}, occurred interest {$2100.00} total amount due to the collection agency is {$5500.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I tried to transfer My XXXX coin valued at XXXX and was denied transfer I tried XXXX more times and price kept dropping and was denied as wellcalled customer service they said it was a glitch and nothing they can do about it now the whole community of XXXX XXXX owners are locked out of our accounts on Coinbase saying that they are having technical issues and trying to resolve the problemCant get a hold of anyone on the phone from customer support XXXX hour hold and no answers today is XX/XX/21 this problem has been going on since they released XXXX for purchase
Product: Student loan

Beginning in XX/XX/XXXX I had taken out student loans with the Department of Education. This was my first year of college. There was no classes or anything needed to be taken in order to receive these loans. Over the past 6 years I had changed colleges a couple times. After completing my XXXX degree my loans were bought out from XXXX XXXX to Navient. I was unaware and had no choices about this buy out. IN XX/XX/XXXX, they suggested me to consolidated to pay one payment. They never informed me that this would make my loan forgiveness go back to square one. In XX/XX/XXXX I applied for a XXXX degree which put my consolidated loans in to deferment. I do not know how much interest has accumulated over my loans, no one has ever gave me ADVICE on my loans to pay them off. I have had a job every year since I have been in college and no one has ever told me you can make payments on my loans while you are in college. ( THIS WOULD HAVE BEEN HELPFUL. EVEN IF IT WAS {$20.00} ) After I completed my XXXX  program. Another representative advised me to re consolidate both loans and now I can pay one payment. Only after I asked about my loan forgiveness date was I than informed it was recalculated to XX/XX/XXXX because I re consolidated. These people are liars and are making it IMPOSSIBLE to get out of student debt. I have {$120000.00} in loans and almost HALF of it is interest. And since I consolidated after completing my schooling after 10 years, I still have to pay another 20 years. Navient has no solutions. They do not help you and if you do not ask questions you will never be able to understand your loans. There are so many charges on my account I have no idea where to start and if all of this is accurate.