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

I require XXXX to answer and provide me with the documentation to the following questions : What was the XXXX the application was run for? 

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card? 

Provide the original instrument on the underlying obligation. Unless it's normal business practice for XXXX to restrict trade and performance. 

Who is the original creditor? If XXXX is not the original creditor, then I require AMEXs mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the XXXX form prior to the initiation of this account.
Product: Checking or savings account

I am a victim of a scammed transaction. I ordered a steel building and wired in an amount of {$17000.00} on XX/XX/2021 to SunTrust Bank located at XXXX XXXX XXXX XXXX, XXXX AL, XXXX XXXX XXXX XXXX with an account # XXXX. I never received my product and could not get ahold of the seller. After many researches, I found out this was a scam. I asked my bank, XXXX to recall the funds but after many weeks, my bank came back that SunTrust Bank did not respond to their requests. I need SunTrust Bank to give me my money back. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : XXXX. A copy of my government-issued identification. 





XXXX. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Saturday, XX/XX/year> I deposited a check for {$11000.00}. I was informed by customer service that those funds would be made available within XXXX business days, barring a hold. On XX/XX/year> I became aware that there was a 7 day hold on the account. The customer service through the app informed me I would have to contact a local branch. Upon reaching out to the branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX she informed me this was due to my account being new. Upon research, I found that according to CC regulation XXXX, Section A, Subsection XXXX, my account is not considered a new account. I reached back out to the branch XXXX, and she informed me that the hold was actually due to Reasonable Doubt of Collectability. I asked for the reason for doubt, which they have to provide according to XXXX, XXXX XXXX She stated she had no reason listed. I called the customer service line, and after being rerouted several times I was put on the line with a manager in Electronic Banking. She also refused to give me a reason for the doubt of collectability, and repeatedly stated they are in federal compliance despite not following the listed regulations. I filed a formal complaint within the company, and requested to speak with someone in compliance and audit. She informed me that she would not be forwarding my call. In addition, everyone I spoke with refused to refer me to the formal complaint department, and repeatedly stated no one would be able to release the hold.
Product: Credit reporting or other personal consumer reports

The balance on my XXXX XXXX XXXX XXXX account is not correct Is lower than being reported is still saying over the limit when its not
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.
Product: Mortgage

I was approved for the mortgage loan for {$300000.00} and documents signed and sent back to the office and disclosures and mortgage payments plan to be setup with the Quicken Loans company in spite of credit score. After time a problem rejected for unfounded reasons. Discrimination against me! Now resort to the Rocket XXXX affiliated with the Quicken Loans company. I signed the contract and my real estate agent XXXX email address is waiting for the process to be completed by the company. I inquired to the Civil Rights Commission and other government offices. Now still homeless and seeking loans, credit cards to live comfortably for food, etc. No transportation to get where I would like to if a distance.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX " XXXX XXXX XXXX '' with the balance of {$1100.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To whom it may concern : on XX/XX/18, I looked up a lender that would not use a credit score to qualify ( to avoid denial ). I needed a " hardship '' loan to pay rent as I didn't have income for 2 months due to losing employment. I was approved rather quickly at a 37 % loan rate and received the {$1000.00} I requested ( to pay rent/avoid eviction ). 

The XXXX XXXX Transaction was : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN # XXXX RFB # I did not receive any loan terms documents from them within this approval process. 
Last week on Friday XX/XX/18, they withdrew a payment of {$200.00}. Today XX/XX/18, they withdrew {$330.00}. The next payment will be {$320.00}, {$300.00}, {$290.00}, {$270.00}, etc. 
This payment of {$330.00} just took my auto loan out of my checking account. Which prompted my call to them to ask what my rate was on this loan, the agent didn't know what a " rate on a loan '' even was. I asked if she can send me my loan terms. I received it immediately with the following details. 
The APR on the loan shows 666.2935 %, amount financed {$1000.00}, Finance charge {$3000.00} Total payments {$1000.00}. 

Being from a XXXX XXXX background - If I saw this, I would of looked for other resources to get out of my financial situation I was in. 

In addition to this matter, I am a single mom and this ended up putting me into more hardship than I was in prior to calling them for short term help. 

I need help as this is Pred
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents XXXX, My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Product: Checking or savings account

I tried to use my debit card at XXXX on XX/XX/XXXX for the amount of {$1000.00}. The transaction was declined due to the wrong pin I used. However, the amount of money has been on hold for more than two weeks. I have tried to contact them twice to get my money back. However, they decline to do anything and ask me to wait until it expires. Two weeks are already way beyond typical temporary hold time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statement to File w ith Credit union  disputes I disputed  XXXX  inaccurate    XXXX   day late payments on my credit report directly to TRANSUNION. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX     to TRANSUNION including : record of my payment due date (  XXXX  each month ) along with printouts of my Bank  Statements, verifying the date the funds  were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly when a payment was made for both loans at the same time or individually. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my requests from TransUnion was made. The file should be updated with no late payments reported accordingly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Thank you for your time and help in this matter.
Product: Mortgage

XXXX XXXX was using illegal steering tactics to force me to use their " partner lender '' First Equity Mortgage to buy my home. In the contract addendum it specifically states that a preapproval letter from this mortgage company is required to be considered a contract. Addendum dated XX/XX/2018. 
I never applied with or received an approval letter from the " required lender '' making contract null and void and had my atty type a letter stating this and requesting my earnest money of XXXX back based on the fact that according to their own language in the contract stating the contract is not valid. XXXX XXXX XXXX Division President of XXXX XXXX replied stating that they will not refund my earnest money. This is not only a violation of their own contract, but also a clear violation of anti steering laws.
Product: Credit reporting or other personal consumer reports

My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXXXXXX bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted sage stream to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at these addresses or worked for these companies, and have no idea why you have all these phone numbers on my credit profile ; this is unacceptable. Why would they remove them from my credit report? Trans Union is the only credit agency reporting this incorrect on my credit profile. 


I have never lived at these addresses XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX I have never had these phone numbers XXXX XXXX XXXX XXXX XXXX I have never worked on for these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had this car for 5 months and it was still at the dealership i purchased it from from the entire time. the gave me 4 loaner cars. i finaly got the car and i took it for a oil change. the car locked up at the shop were i took it for the oil change. i had a warranty on the car and they want me to paid almost all of the money for repairing the car so i gave it back to them. they placed a balance on my credit report after selling me a lemon why didnt the finance company go after the dealership.
Product: Student loan

I hold both private and federal student loans with Navient ( formally known as XXXX ), I originally borrowed close to {$65000.00} at about 7.1 % interest for a masters in XXXX at a graduate school named Oregon XXXX XXXX XXXX XXXX. For 6 years after graduating I was on an Income Based Repayment plan ( IBR ) as I could not afford to pay large payments. As my income improved I decided that I could afford more and wanted to pay my loans off in 10 years. So, I called XXXX XXXX and asked the best way to proceed. The agent on the line told me to let the IBR lapse, that my account would default into a 10 year repayment plan, and then to start paying what I was billed. Immediately, after my IBR lapsed my 'interest was capitalized ' which ballooned my owed principle to over {$90000.00}, I was NOT informed previously that this would occur. Also, my monthly payments went from {$0.00} to over {$800.00}. Sometimes I pay double to try and pay my loans down faster but it hardly makes a dent. After noticing this I again called then Navient ( XXXX ) to inquire why the payments were not going farther and also asked what repayment plan I was currently enrolled in? After 3-5 confusing conversations I was told I was NOT on a 10 year repayment plan but a quasi- IBR plan in which I would be lucky if I was paid off in 25 years. I was extremely surprised, stressed and frustrated! And asked, " if I was still on an IBR plan how come my interest was capitalized and how come I was not on a 10 year plan like the original agent had told me? '' The answers were ( are ) unclear and I feel extremely mislead and taken advantage of by the Navient agents. I continue to pay {$900.00} a month which is {$100.00} more than they are billing a month, but the principle does not seem to reduce very quickly? I will call them again soon to ask to be re-instated on the original IBR with lower payments. I am hoping your agency can help investigate to uncover the wrong doings!
Product: Debt collection

I returned a call and spoke with a young lady who had an attitude with me. I have the call recorded. 

I asked her who the creditor was and she refused to tell me and kept asking for personal information. 

I did not feel comfortable giving information to a random person who could n't tell me who they were collecting for. It 's not uncommon for people to phish information out of others to steal an identity. 

All I needed to was who the creditor was to verify she was who she said she was. 

I talked to her 5 minutes til XXXX Friday night and by Saturday night it was on my credit. 

I have received XXXX communication and I feel she did this maliciously. She said " I guess I ca n't help yaaaaaaaa ''
Product: Prepaid card

I bought a vanilla visa gift card from XXXX and loaded XXXX $ onto the card. This was going to be a XXXX gift for my foster sister. I went ahead and activated the card ahead of time just so there werent any issues in the future. 

The following day I noticed a bunch of failed transactions. Ones specifically for XXXX and XXXX ; which I didnt make. As I was in the process of attempting to contact vanilla I noticed a {$50.00} transaction to prizepicks. 

I have no clue how all of the fraudulent transactions happened but I tried to look for a solution anywhere. I attempted to contact the merchant but was told that there was nothing they could do. So I waited until I was able to file a dispute with Vanilla gift.

On the vanilla gift account it says that I need to call a number and contact support but the vanilla gift card number is only automated. Im not able to talk to anyone about this fraudulent transaction which is completely ridiculous.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from TransUnion and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : XXXX. [ XXXX XXXX XXXX ] - Account Number : XXXX XXXX. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner.

Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to EQUIFAX damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? Im getting really XXXX off and looking to take legal action at this point!