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

My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBK OF AMER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these attached erroneous accounts. However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How in the XXXX is there a balance on a charged off account? 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the attached items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Mortgage

In  XX/XX/XXXX  we applied for a modification on our home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX .  Select Portfolio Servicing, In  c. n ever responded to our initial request. Upon follow up, we submitted a RMA in  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . In  XX/XX/XXXX  we finally received a response from SPS approving us for a trial modification under the Makin g Home Affordable p lan. We made the required three modification payments in the amount of {$2100.00} each in   XX/XX/XXXX ,  XX/XX/XXXX  , and  XX/XX/XXXX . We were supposed to hear back with a permanent modification within 30 days of the final payment. We did not hear back from SPS, instead they kept telling us that the file was being looked over for approval. We continued to make three more payments in   XX/XX/XXXX ,  XX/XX/XXXX , a nd  XX/XX/XXXX .     After filing a complaint with the CFPB in  XX/XX/XXXX , we finally received a letter from SPS stating that they could not offer us the Tie r 2 HAMP  modification they had promised us in  XX/XX/XXXX , but would instead offer us an in house modification. We objected to the change but signed the papers they sent us because we did not want to lose our home. The papers were sent in  XX/XX/XXXX . We were notified in  XX/XX/XXXX  that we had put the incorrect year of  XXXX  on the papers we signed and they needed us to sign another paper. We were sent another set of papers. We signed those papers and returned them in  XX/XX/XXXX  along with another payment of {$2100.00}. SPS states that they can not accept these papers and the offer has expired.     In  XX/XX/XXXX , SPS sent us a notice that the previous offer expired but they were considering us for another modification. We received the modification papers dated  XX/XX/XXXX  requesting three trial payments of {$4700.00}. This is {$2600.00} more per month from the modification we were offered in  XX/XX/XXXX . Our financial circumstances have not changed and while we are not able to pay the {$4700.00}, we are able to pay the original modification of {$2100.00}.     In  XX/XX/XXXX  the home was appraised at {$480000.00}, in  XX/XX/XXXX  it was appraised at {$710000.00}, and  XX/XX/XXXX  it was appraised at {$690000.00}. Homes in this area do not increase over {$350000.00} in value. The appraisals from  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  are inflated because  XXXX   XXXX  does not want to forgive the principal or interest payments on this loan. This is the reason why we never received an answer within the 30 days that we should have after the final trial mortgage payment was received by SPS in  XX/XX/XXXX .     We think that this is a deceptive practice and that  SPS  intentionally dragged out the paperwork for the modification until the Mak ing Home Affordable progr am was expired.  SPS  did not honor their agreements or the timeline by responding within the 30 day periods as stated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Transunion still reporting XXXX by XXXX, this account has been closed and is still showing up on my credit report. All of the other bureaus have removed this from my report besides this one. 

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

I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.
Product: Credit card

I had lost /stolen phone and XXXX would only help replace my phone if I started a new line with a new number. Upon doing the application for discover card, my application was approved pending a phone call by discover card to check my identity due to a security fraud alert placed on the credit bureaus after my phone was lost/ stolen. I had the fraud alert removed and phone back to discover bank as instructed by the discover card personal bankers. However, this time the latest discover card personal banker stated they would need to pull another credit report. What?! This is not what the last four discover card personal bankers had stated. My credit report was already access and points deducted from my credit scores. Why would they need to pull another hard inquiry after the last four discover card bankers saying they could finish my application after that fraud alert was removed. Discover card either does not know what they are talking about or the discover bank rep whom I spoke with today did not have the tools necessary to finish my current pending application as she was working from home. All I want is that since discover could not move forward with my pending application since their other agents lied to me, I want discover card to reverse the initial hit on my credit scores. Please. What they did was unamerican. And they are hurting average lower middle class Americans who are struggling to stay afloat during these times of hyperinflation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Student loan

I previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.
Product: Debt collection

Javitch Block LLC is trying to collect a charged off balance. A bank sued me over XXXX years ago and knows I am a XXXX XXXX  recipient. The real collector for this debt was a different lawyers office in West virginia ( XXXX and XXXX ) they know I am a XXXX XXXX recipient and are un-lawfully trying to manipulate me.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report.

The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like theseitems stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to remove once more! 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance XXXX {$5000.00} XXXX  XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX Owed : {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXXXXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse
Product: Mortgage

On XX/XX/XXXX, I called Wells Fargo Mortgage department for a pay off amount.and requested it to be transferred out from my Wells Fargo Savings account. On XX/XX/XXXX, I checked my online account and found that the paid off amount was actually wrong and I overpaid {$33000.00}. I immediately called Wells Fargo and demanded refund. I was told that it would take the cash department XXXX business days to process the payoff and then mail the refund check. I asked them to expedite my case as Wells Fargo made a mistake and should try to make my financial loss less ( not able to use the fund & earn interest ). I was offered ACH debit instead of a check as I would receive the refund sooner. On XX/XX/XXXX, I got a call from XXXX, assistant to XXXX a manager at the mortgage department that I should expect my ACH deposit on XXXX XXXXXX/XX/XXXX. When I checked the fund was not deposited as promised, I called XXXX who said the loan was paid off and I should get the ACH deposit on XX/XX/XXXX. On XX/XX/XXXX, I still did not get the refund and called XXXX who now said that I would get my ACH on XX/XX/XXXX. The bank had mistake of calculating my payoff amount, then told me to expect my refund and kept on postponing it.
Product: Checking or savings account

Was offered {$300.00} to open an account with a minimum of {$1500.00} after 90 days. Did not get bonus after making deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

XXXX XXXX - ( CLOSED ) XXXX XXXX XX/XX/XXXX - INCORRECTLY REPORTING AS 30 DAYS PASSED DUE FOR XX/XX/2018 ; THIS IS NOT CORRECT XXXX XXXX XXXX XXXX - Account Paid in Full ; was a Collection ( Not my account ) I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX  = Inquiry from XX/XX/2018 - XXXX XXXX = Inquiry from XX/XX/2018 I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Product: Mortgage

On XX/XX/2020 Wells Fargo sent a letter that I am in default on a mortgage of {$720000.00} because my husband died in XXXX of this year. I have given them all documents that they have asked for with the exception of Amended and Restated Operating Agreement, which to my knowledge we never had. I am afraid this is a ploy to take the property away from me. I can pay this loan off but they want to charge a early payoff penalty of {$51000.00} Wells Fargo, XXXX, NC I have signed all the papers necessary to remove his name from documents since his death ( I did this in XXXX ). Yet, I am still getting notices saying they have the right to declare me in default of the loan because my husband died. My husband certainly did not choose to leave and I would bring him back to fix it if I could. I am XXXX XXXX XXXX but still did everything I was supposed to do to notify everyone we did business with and to ensure that all documents were signed and squared away. I was shocked to not only be treated this way but, at unwillingness of those at Wells Fargo to do what is right and reasonable to make this right for a long time customer. We have worked hard for everything. Even dealing with the pandemic and the loss of my husband, I contacted them and executed all documents they needed to switch everything over. Even then, they are threatening me unjustly.
Product: Debt collection

I receivedmultiple phone calls and texts from sunrise credit services demanding payment XXXX for a debt that was paid last XXXX. I have bank records of payment as well as settlement letter. I told them to stop calling and if they put this back on my credit reports I will sue. This company needs to be investigated. How is it leagal to settle a debt with a customer then try to collect again months later. That's double jeopardy
Product: Debt collection

I sent a letter asking Capital One Auto Finance, Inc.to investigate my accounts. Here is my tracking number : Certified Mailing # XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - Capital One Auto Finance, Inc.investigate and Handling this contract has been dishonorable in results my vehicle be unlawfully redo .And They also didnt even record the current status of the money order I tender information which is another violation. I have other violations of all the evidence attached below. 
Mileage was incorrect My signatures is not on the receipt for deposit Vehicle service contract Purchase price incorrect Money order / Confirmation Cashed In good faith and honor I tendered a payment according to Handwriting on the front face of money order example below / Money Order serial /Certified Mailing Number below Certified Mailing # XXXX Money Order serial # XXXX In good faith and honor I tendered a payment according to I Accept your offer in the amount of {$25000.00} for valuable consideration and tender the payment complete amount in accordance and satisfaction upon rendering this instrument By with or without recourse XXXX XXXX Evidence Installment Sales Contract Car-fax Vehicle Report Vehicle Service Contract Application Letters Copy of Money Order Copy of Credit Report Invoices
Product: Debt collection

Portfolio Recovery Associates , LLC. In over two year has never provide any proof on account XXXX showing that any charges where ever made on this account. Over four times information was requested from then under the FTC guild lines for ID theft. Portfolio Recovery Associates , LLC has sent back information on an account ending in XXXX that was paid off in full on XX/XX/2018. Portfolio Recovery Associates , LLC. Was sent copies of the letter to XXXX XXXX  showing this account XXXX was paid off in full. Portfolio Recovery Associates , LLC was also sent a copy of the letter asking XXXX XXXX  for information as to why charges where made on account XXXX after it was paid off in full. The last two request from Portfolio Recovery Associates , LLC one is now over 60 days old the last one is now over 30 days old with no response. Portfolio Recovery Associates , LLC. Was also sent information showing that XXXX, XXXX XXXX, XXXX and XXXX all had data breach in XXXX, that credit card inforamtion was taken. XXXX XXXX  is the holder of these credit card for these companies.
Product: Debt collection

So XXXX keeps putting a XXXX $ bill on my credit as dept, I had this inquiry removed a couple months ago due to it being fraudulent then on XX/XX/20 they put the same dept payment on my credit just used a different collection company and I spoke and told XXXX that I am not responsible for that account and somebody had to use my information I let them know I was a victim of identity thief they said they can not help me I am not responsible for that account or XXXX $ balance I currently do not have or do business with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Agency of Credit Control '' just inserted erroneous information on my credit report just over {$60.00} in collections. I have absolutely no knowledge of this account. What's more, the collection is allegedly from XXXX XXXX XXXX (? ), even though I use XXXX XXXX XXXX for my eyecare needs. Finally, they seem to believe this account 's " original '' amount is $ XXXX-something, so somehow they are also trying to collect some form of interest on an account that should not exist in my name.
Product: Checking or savings account

I have a checking account with Key Bank. I had a debit card attached to it ending in XXXX. From XX/XX/XXXX to XXXX of XXXX, a company withdrew funds from my account without my knowledge. They were monthly charges for {$16.00}. Because I don't use this account and because I have a line of credit, this constantly overdrew my account and my line of credit covered it. The bank is claiming I had to notify them within 60 days of 'errors ' on my account. These were not errors ... this company stole from me. It is theft and fraud. If you so a search online, other people have been scammed or defrauded by this company as well. I believe I am protected from instances of fraud and would like to be refunded.
Product: Payday loan, title loan, or personal loan

Solicited for the Upgrade Triple Rewards VISA " Credit Card '' through XXXX XXXX. Advertised as a cash rewards credit card. Applied for the " credit card '' and approved for a {$20000.00} limit. Used the card for various expenses beginning XXXX XXXX XXXX. According to the first statement, charged {$10000.00}. Paid {$15000.00} by due date. Was charged interest in the amount of {$200.00}. Called and complained, advised that the balance was paid off within the statement period. I was furious, asked them how a " Credit Card '' accrued interest from day XXXX. They told me this was an installment loan. How can a product that has a {$0.00} balance, is issued a credit card, has a cash back feature on purchases, and not have a defined starting amount, carry a VISA logo, and be accepted anywhere a credit card is accepted be classified as anything other than a credit card? At the point of my 4th statement, I was still not given any clarification, I was denied a payoff and told that it takes 3-4 days to generate a payoff. I have since been charged thousands of dollars in interest at a rate that is XXXX and the carrot on top is that they reduced my credit line so that my credit utilization shows maxed out and my score dropped so I was unable to transfer the balance out. I have been dealing with this trash for over a year now. To further validate my claims that this is a predatory and unscrupulous product, EVEN THE COMPANY THAT LED me to this lists the debt as a CREDIT CARD, not an installment loan. I would like the bureau to step in and stop this extremely deceptive practice and force the company to honor the terms of a CREDIT CARD. I would also like reparation 's be made for the overcharged interest when the balance was paid to {$0.00}. 

It is also of note that when I returned to XXXX XXXX to leave a Buyer Beware review, I found a few similar reviews. When attempting to locate my review and the others that were left, they have all been removed from the site. XXXX