23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting by certified mail that Transunion LLC investigate and remove inaccurately reported items on my credit report, Transunion failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.
Product: Credit reporting or other personal consumer reports

I was the one affected into this lawsuit with Equifax. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my consumer reports and there were two 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 consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ComenityCapitalXXXX XXXX. Please investigate and provide proof with statements showing that I was late on payments. If no proof is provided I demand that my payments are updated to on time as they were never late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an reinvestigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX Balance : {$24000.00}, XXXX XXXXXXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because i am a victim of identity theft. Please delete these items immediately XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX Selfinc/Lead account # XXXX XXXX  XXXX account # XXXX These accounts should not be furnished on my consumer report as they are in violation under, 15 U.s Code 1681b- Permissible purposes of consumer reports ( 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 instruction of the consumer to whom it relates. I never gave any consumer reporting agency written instructions to report anything on my consumer report which violates my rights. No Consent is identity theft. As a consumer i am demanding the deletion of the accounts listed immediately
Product: Mortgage

XX/XX/XXXX I began the process of refinancing my mortgage. The payoff statement came back stating that I owed {$15000.00} in addition to the unpaid prinicipale balance of XXXX for a total of XXXX. 

In XX/XX/XXXX, because my mortgage was under water and payment too high, I entereed into a Shared Mortgage Modification with XXXX XXXX XXXX, my understanding was that the deferred amount would not have to be repaid and was not subject to interest if mortgage was paid on time. [ Please see Loan Modification Agreement page 2 section 2 B, C, D. ] My concern is that if this amount is/was forgiven, why am I obligated to pay it back? I have met all requirements and have never been late paying my mortgage. 

I am asking for assistanace in clarifycation and being reimbursed the {$15000.00} from Select Portfolio Servicing the company that now services the loan and made the determination that I owe the additional funds of {$15000.00}. 

Inaddition, On XX/XX/XXXX I requested an explination of why I had to pay the additional funds, in XXXX a comment was placed on my credit profile which dropped my XXXX XXXX XXXX points. The statement said " I disputed the information '' which is not true, I simply asked for an explination of why I had to pay the additional funds and the inquiry was closed. I am refinancing and leaving this company and need to have this information removed from my credit file. 

I signed closing documents on XXXX XXXX, XXXX and funds will be dispersed to SPS on XXXX XXXX, XXXX. 

I am not sure who the actual holder of the mortgage is, at one time I it was XXXX and now it is sposed to be XXXX XXXX. I was unable to obtain additional information such as account number etc. 

Please help me to resolve this issue.
Product: Credit reporting or other personal consumer reports

I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name XXXX XXXX  XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX XXXX XXXX to get credit or a loan through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last month my Equifax credit was pulled by XXXX, XXXX and XXXX XXXX. each time, Equifax failed to either provide my credit report and score, thusly a decision of decline or unable to move forward with my application due to Equifax reporting of my file. 

XX/XX/XXXX XXXX XXXX applies for a XXXX XXXX Card. The application is still pending and XXXX XXXX states that Equifax has been unable to provide my credit report to them so a decision can be made. 

XX/XX/XXXX XXXX XXXX can not approve a credit Line increase because the Equifax file sent to them didnt contain my full credit report. The report showed only a few accounts and XXXX didnt feel I was established in the credit industry. I am a senior with 91 accounts and 31 active accounts. I have excellent credit without one blemish. 

XX/XX/XXXX XXXX XXXX XXXX declined a credit line increase because Equifax was unable to furnish a score or my Equifax report. 

XX/XX/XXXX XXXX XXXX is unable to approve my credit application because Equifax is unable to provide a score and credit report to XXXX. 

Equifax has attached 4 inquiries on my report and hasnt provided accurate or complete information of my credit file. I want the inquiries removed because the complete file wasnt provided.
Product: Credit card or prepaid card

I enrolled in XXXX rewards program to enroll for my home rent payment in XX/XX/2022. In the recent month, I was notified that a XXXX credit card under Wells Fargo was dispatched/issued to me when I had not applied for such a card. On seeing the app where I go regularly to do my rent payment, I see fraudulent charges done on this card. 2 days ago I received this card physically. Even though I did not apply for this card and the physical card just came in, I see charges on the card done online 10 days back for more than XXXX $
Product: Checking or savings account

My Suntrust  Truist checking account has been blocked since XX/XX/XXXX. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/XXXX. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. I can not withdraw or move funds, though my statement and online banking shows a balance of {$1700.00}. 

I have had no access to {$1700.00} of my money ( from my pay ) for over 17 months! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

I have called the Fraud number repeatedly ( XXXX ) but have been told each time to go to a branch for resolution. 

In XXXX of XXXX I called every day, only to be met with 4 hour wait times, to be told to go into a branch.

I have visited my local Truist branch six times in the past 17 months. Each time, the bank officer has made phone calls to corporate to get the hold removed, but on no occasion have they been successful. Each time, they have told me that they would call me back with their findings, but they never called me back. The address of that branch is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Phone # ( XXXX ) XXXX. 

I have received no letters at all from Suntrust or XXXX about an investigation, or time line of it. According to my statements, my checking account still has {$1700.00} in it, but I can not access it. 

I understand that the account is closed, however it is still showing a balance of available funds of {$1700.00}. I need a bank check from XXXX payable to me for the full amount of {$1700.00}. 

I am in extreme financial hardship and I need access to that money now. If I can not get access to that money, I will have a significant mental breakdown.
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 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 or other personal consumer reports

enclosed i will provide proof that ally financial in not properly furnishing my consumer report correctly. this is the second attempt to prove that my account was not late. ally financial submitted incorrect documents with wrong address and wrong account # claiming they sent me late payment letter 21 days before payment was due. for the simple fact that they sent document with the wrong account number and address convicts them of numerous violations. 

ally financial never gave me the option to opt out 15 USC 6802b. show proof that you gave me the option to opt out. it is all hear say, ally financial needs to provide me a copy of your bank statements proving when i paid or did not pay on time [ not a payment history ] anyone can make up a payment history. if you can not provide these bank statements everything else is hear say. provide bank statement proof.

also provide proof that i actually received these letters in a form of certified mail. if you don't have certified proof of such letters then everything is hear say..

ally financial also reviewed the contract and determined to either incorrectly or omitted the contract so they need to provide my wet signature of me agreeing any changes they made to the contract. enclosed there is proof the contract was changed after that i was unaware of. provide me proof of my wet signature of the new changes that was made to the contract. they can not change anything on the contract without my signature or me agreeing to such change.

ally financial is also reporting 60 days late reporting on my consumer report as it is not supported on my consumer report. they have no proof.

clearly ally financial in in violation of section 15 USC 1666b and 1637 ( b ). ally financial never sent me a bill about my account being late in adequate time with incorrect address and account number according to law also i will provide proof of my correct address and document showing ally financial wrong doings upon furnishing my consumer report incorrectly. remember they must follow the law not policies.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our Experian and XXXX  report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX  by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2024, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX XXXX Owed : {$260000.00}
Product: Debt collection

Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.
Product: Mortgage

I have made large amount of payments in the past 3 months so that I can pay off my mortgage sooner but my last payment wasnt applied to the principal only this has XXXX going on since XX/XX/XXXX also I tried to refinance my loan and after they collected their appraisal fee underwriter said I dont qualify for refinance I have XXXX credit score and no credit card debt carrington said I dont qualify I currently have 8.75 interest rate I owe $ XXXX house is worth $ XXXX and carrington said I didnt qualify please help