23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I have disputed a fraudulent bankruptcy that is on my Transunion credit report in the public records section several times. I have asked Transunion to show me documentation of the adverse information as the law 15 U.S. Code 1681c3 - Adverse information in cases of trafficking states. I am a victim of identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Please understand that a person living in South Carolina can not file bankruptcy in North Carolina. I did not file for bankruptcy in North Carolina. The information is not information relating to any transaction by me the consumer. 

Clearly this is a mishap in the trafficking of documents. I have attached my information as the law requires. 15 U.S. Code 1681h - Conditions and form of disclosure to consumers. I have attached my Transunion credit report. If a thorough investigation is not provided to me I will continue to notify the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX Capital One Bank USA made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX California used my SSN information applied for a Capital One credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with Capital One happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2019 this company purchased an old Business Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my Equifax and XXXX  credit reports. 

Account Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a checking account at XXXX XXXX, XXXX, XXXX XXXX and others after was turn down by each of the bank I thought it was because they just don ; t want to help me but they stated that the reason they declined my account due to they verify my information such as my social security number with a third party company that they paid service for and that company is called EARLY WARNING services there for they stated EARLY WARNING services stated I have a collections of my previous account with some of the banks listed above. However I filed a bankruptcy chapter XXXX on XX/XX/2019 there for under my bankruptcy chapter XXXX law and protection the debt owning to any of teh banks or creditors of these bank would be expunge and there for it is wrong that EARLY WARNING co. refused to comply with the federal law and yet made it become that I owe these banks and these bank refused of open me an account with them knowing my debt would be consider remove of any collections I may have with these banks or charge off accounts and gave me a bad name.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " XXXX XXXX has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXX of XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account. 
6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to Transunion they report " on time '', on XXXX they report to XXXX a " 60 days late '' and to Transunion they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries below, please remove them from my TransUnion and XXXX credit reports. I called TransUnion, and they told me, I needed to file this report to have items removed. 

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

Started a home equity loan and after about five years of making payments I wanted to pay some of the principal down each month the bank keeps making mistakes with my payments so I am paying more interest and late fees I should not be paying
Product: Mortgage

In XXXX of XXXX our mortgage began to be serviced by Newrez. We had arranged with the original mortgage XXXX, XXXX XXXX XXXX, that we would be responsible for the payment of homeowners insurance and real estate taxes. In early XXXX we received notice that XXXX was starting to charge us escrow fees to pay real estate taxes. I immediately called Newrez to resolve the matter as we had already paid the first half of the taxes. After much discussion, I was told that the matter would be sent yo the Escrow department for research. I made my regular payment when due.

I received no response from the escrow department. Instead, Newrez made the 2nd half payment. They then billed for the regular laymejt, escrow amount and charged a late fee. I contacted Newrez and agreed over this. I explained that until they gad resolved everything that I was not going yo make a payment as I did notvwantvit to get even more confused. The Newrez escrow debt. finally decided that we were correct and there would be no escrow collected for future taxed, but they would to recover the taxes they had paid. I protested this and made arrangements to repay the tax payment in full. It was agreed that there would be no late fees or interest on any unpaid balance once the taxes were repaid. The payment was made. The late fee and interest is still being charged. During all of this we discovered that the automatic payment we had tried to set up was not working. We were told that
the account information for our credit union was not entered correctly. We had set up payment information for one time payments from the same account. One time payments went through. We copied and pasted the account information from the Newrez one time payment screens into the automatic payment screens. They were identical. When we checked later we discovered that a number had been dropped out of the system. We are not able to correct this as it can not be done with any outstanding balance showing.
Product: Debt collection

I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX  ) on XX/XX/XXXX. Now dynamic recovery solution has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visiXXXX XXXX XXXX XXXX  or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In XXXX bankruptcy court discharge a loan on my home from Suntrust Bank yet the lien was never removed. Since XX/XX/XXXX I have been contacting Truist repeatedly to no avail to remove the lien because I am under contract to sell my home. I went to my local Truist branch and submitted the XXXX  papers, my husband death certificate, loan number and court documents showing me as my husband personal representative. The branch manger also submitted the documents but they have not and will not even respond to the branch manger. I also told the title company to just send a check for the amount so that I can close even though it was XXXX. The title company was told as I that they can not find the loan. This has been the case every time we reach out to Truist, there is a different person every time you call and no one is willing to help or give guidance on how to remove this old Suntrust lien from my home so that I do not lose the buyer for my home. 
I am begging for help so that I can sell my home. Please help me!
Product: Credit card or prepaid card

They are trying to say that I am not showing proof that they charged me twice. I think PayPal is hacked. But I have a record of purchases and my bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX have not updated my personal information. I have sent the attached later beyond 30 days ago. I need for this information to be updated in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been so stressed out dealing with Exxperian. Ive sent several letters to Experian requesting inaccurate account to be investigated and deleted from my report. Ive sent a letter out on XX/XX/21 and XX/XX/21 and have yet to recive any correspondence. This is damaging my life. By law the credit bureau has 30 days to respond and if they dont they must delete the accounts from my credit report. I am demanding these items to be deleted from my account immediately.
Product: Credit card or prepaid card

This complaint relates to the completely unsatisfactory handling of complaint # XXXX by Citi Bank. Please refer to this this complaint and the documents I attached to it.
1. They sent me a letter requesting further info. However, due to the fact that I travel for work it may take up to three weeks for me to respond to anything sent to me by 'snail mail '.
2. Regarding the further info they requested : a. I DO NOT know the precise date of the incident. I believe that it was sometime between mid XX/XX/XXXXto the beginning of XX/XX/XXXX.
b. I DO NOT believe the person taking my application actually submitted it. He just said I was declined and did not even offer a reference number. This is probably why the company has no record of it. I did not even think of asking him for a reference number at the time.
c. I DID provide my social security number to the Citi Bank representative I spoke to regarding the complaint ( XXXX XXXX ). But as I said. I DO NOT believe the representative taking my application actually submitted it. Due to this, my social security number will be of little benefit in locating the application.
3. Everything in the original complaint still stands. This includes my proposed resolution. I thought that Citi Bank would be a little more responsive in settling this matter without me seeking legal counsel.
The best way to reach me due to the limited access I have to my ground mail is via email. XXXX If it is necessary to call me please leave a DETAILED message regarding the info requested. This will prevent us having to play phone tag. I can then leave a detailed response via voicemail if no one answers.
Thanks XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016, I sent a letter to Transunion disputing an erroneous judgment that just recently appeared on my credit report. This error is preventing me from buying a car, renting an apartment, and from taking out loans needed to operate my business, thereby seriously damaging me financially. After 30 days of sending this letter, I received no response at all, so sent a second letter on XXXX XXXX. Again I have received no response, and this issue has not been resolved. 
The issue date of the judgment listed on my report was over 10 years ago, and it only appeared on my credit report sometime late last year. I found out it was there after being denied credit. I sent the same letter to XXXX on XXXX/XXXX/2016 and they promptly deleted the item from my report as it is very clearly in violation of Fair Credit Reporting Act. 
I am attaching copies of the letters I sent, along with certified mail receipts, and a copy of the letter I received from XXXX showing where they removed the item. 
Thank you very much for your help in resolving this matter. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trying to purchase a car and I realized I had damages on my credit report according to the 15 U.S.C 1681 law there should now be any damages on my report. Its a defamation of my character
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I was FORD MOTOR CREDIT COMPANY customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Mortgage

XX/XX/XXXX no correspondence offering me specific XXXX XXXX guideline refinance offers or mortgage assistance XX/XX/XXXX isolated mortgage statement mailed from debt collection XXXX to present Lender or servicer never updated mortgage transfer or assumption to investor Received call claiming to be a point of contact from XXXX XXXX with rude communication like insults and questions about if I work anywhere as if all low income, minority groups are not capable of staying employed. 

Lender/Servicer claims no contact from XXXX XXXX XXXX at XXXX
Product: Credit card

I am filing a complaint regarding an unresolved issue with my Citi Custom Cash Card and Citis lack of support following an unauthorized transaction.

I discovered an unauthorized transaction made using the virtual account number of my Citi Custom Cash Card. I immediately deactivated the virtual account number and reported the issue to Citi. 
Card number : XXXX Virtual account number : XXXX Unauthorized transaction date : XX/XX/year> Unauthorized transaction merchant name : XXXX XXXX FL Unauthorized transaction amount : {$14.00} Citi informed me that they needed to verify my identity, but they were unable to send the SMS verification code to my phone due to a system issue on their end. As a result, my account was locked, and I was told I would need to wait for a physical letter to regain access. I am currently traveling for an extended period and will likely not be able to receive this letter in a timely manner.

I called the payment platform ( XXXX XXXXXXXX ) where the unauthorized transaction occurred. They acknowledged the charge was unauthorized and agreed to issue a refund. However, since my virtual card number was deactivated, they were unable to process the refund and advised me to have my bank contact them directly.

When I contacted Citi again, they refused to assist, stating that they still could not verify me and therefore would not provide any support or information related to the transaction or the refund process.

I do not understand why Citi is unable to verify my identity or why no alternative verification options are offered. The situation is very confusing and frustrating. I have taken all reasonable steps to resolve the issue, yet I am left without access or support.

Thank you for your attention to this matter.
Product: Debt collection

Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
<P/>
I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
<P/>
This is ridiculous.
Product: Credit reporting or other personal consumer reports

My car was totaled. Gap insurance and auto insurance paid the account in full. I received 2 paid in full letters. One of them contains a copy of the original contract, hand stamped with a pay off date of XX/XX/XXXX. The loan was reported as closed in my credit report. Then months later, it was reopened and now being reported for non-payment. I have been trying to work this out with the Ally Financial since XX/XX/XXXX. They will not help me. They say they are transferring me to management, then hang up every single time.
Product: Mortgage

Complaint is to Wells Fargo Mortgage. The issue is my XXXX mortgage interest reported in XX/XX/XXXX and in XX/XX/XXXX. ( I have yet to check the prior years so there may be additional problems ) My XX/XX/XXXX XXXX is not correct. The amount listed is about {$4000.00} too less. I paid more into my interest for my mortgage tax. I asked and Wells Fargo said it is less because they gave me a refund in prior years. That is not legally correct to do. First off, I did not receive any money and have NO receipt for such. My XXXX does not show a refund either. Nothing was ever refunded to me. So Wells Fargo is admitting the number is incorrect however their reason is incorrect and never occurred. 


My XX/XX/XXXX XXXX has been reported to me by Wells Fargo in a letter a few months back that it is not correct and they made an error and will provide an amended XXXX. They never provided this amended XXXX in spite of my multiple requests as well as customer service submitting a request on my behalf. 

This is very serious actions on their part and have to get resolved immediately. 

My escrow also was never resolved. 

Wells Fargo still owed me thousands of dollars due to a bad modification they refuse to resolve. It is going on for years since XX/XX/XXXX. They were trying to force me into signing an illegal restructure of my mortgage which had a order preventing me from discussing the matter with anyone and preventing me from correcting any errors I may find after signing. I told them this is illegal and they tried to lie their way out of it. 

Because I did not sign the restructure agreement, WF never settled with me and still owes me a lot of money due to their errors with my modification. They refuse to resolve this matter. 

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

I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, XXXX, Equifax you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX CEOs as last resort before I Sue them all.
Product: Mortgage

I had a background check done and the report shows TCF National Bank for the date of XX/XX/2015 as MTG DELINQ 120+ My mortgage paid to Freedom Mortgage. I sold the property and the loan was paid off, I did not owe anything to TCF National Bank that could be delinquent. I made timely payments during my loan. 

I tried to find contact for TCF National Bank but it looks like they were bought out. I do not know who I can contact.
Product: Credit reporting or other personal consumer reports

After reviewing my records, I have identified a number of errors, including misspelled or incorrect names, addresses, and other sensitive personal information.