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

Venmo stole my tax refund and won't allow me to have it until XXXX. This is my second complaint submitted. In venmos first response they claim I sent {$1000.00} to XXXX XXXXXXXX and this was unusual for my account, however I had called Venmo customer service and spoke to a suprivisor as I was having trouble spending or sending my money. The Venmo Suprivisor again to clarify The Suprivisor Whom is Employed BY Venmo specifically instructed me to send said {$1000.00} payment to my friend XXXX XXXXXXXX to assist in withdrawaling my funds. Venmo says this is the reason they have closed my account and that my {$1000.00} could be fraud. Well your Suprivisor who is in charge can not literally instruct me to do something which you close my account for. Again this is my tax refund it is a verified deposit from the state of ohio there is XXXX POSSIBILITY OF MY DEPOSIT BEING FRAUD ITS A FRICKING TAX REFUND. Now I want my money and I am not waiting until XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX  Citi card account was closed claiming I did not renew my XXXX membership. I do currently have a XXXX membership. However, I got a new XXXX membership number in XX/XX/XXXX. Since I got a new membership number, I have had no trouble with my account or using my card until I received the XX/XX/XXXX, letter in the mail from Citi saying my account was closed due to my XXXX membership not being renewed. Furthermore, I received no notifications that my account would be closed prior to the XX/XX/XXXX letter, though I was told an email was sent on XX/XX/XXXX, giving me 60 days to renew my membership. I have had this credit card for approximately 19 years and am very disappointed to have lost my oldest credit account and the {$100.00} in rewards I had accumulated but not been paid. So far, I have made four calls to Citi and spent a couple of hours of my time trying to get my account reopened. The last account executive I spoke to informed me that I would need to apply for a new credit account which meant authorizing them to pull my credit report and declaring income, etc. I feel this is an error/miscommunication between Citi and XXXX, and I am the one that is suffering the consequences.
Product: Credit card or prepaid card

The issue is with the {$200.00} vacation rental credit promised with the Venture XXXX credit card for those that applied in late XXXX. ( IT IS NOT RELATED TO THE {$300.00} XXXX XXXX XXXX  ). I applied for, received and paid a massive fee for the Venture XXXX credit card. As clearly stated in multiple advertising methods by Capital One, a benefit of the card is a {$200.00} vacation rental credit in the first year. I booked an XXXX stay that ( based on their rules ) qualifies for this credit on XXXX. XXXX. I have not received this credit. I have contacted Capital One six times to correct this error, every time receiving confirmation that I have earned the credit and it will be posted at various different times. Despite every time being given a date it will post by, Capital One has failed to deliver the promised credit every single time. I have spent countless hours trying to get them to adhere to their own commitment, even reaching out via XXXX and to a senior executive. I am astounded at the utter lack of interest in delivering ON THEIR OWN OFFER after charging a massive fee and for their utter distain for me as a customer. I would strongly encourage the AG to investigate Capital One for false advertising and failure to deliver on a contract. If I am experiencing this, it is highly likely they are doing it to many other people as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses on my accounts are incorrect, I've tried to reach out and get it rectified but its been long enough with no response.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Product: Mortgage

Made several attempts with my loan servicer " SPS '' " Select Portfolio Service '' for loan modification after exercising my rights as per the Cares Act-Freddie Mac Loan to request mortgage loan relief -after Forbearance. 
I have maintained my current normal monthly payments after the allowed 18 month forbearance period. 
Repeatedly I have requested a payment " Deferral Plan '' Every response from the Servicer has been a denial, with no explanation other than I don ' t meet the requirements. Instead I have been offered a {$82000.00} -12 month repayment plan with a balloon payment at the end. Needless to say I can not afford I believe the proposed plan is in contradiction to what is afforded me under the Cares Act Effective as XX/XX/22 the servicer has sent me " Notice of Default as well as " foreclosure referral letter '' I simply would like a " Deferral repayment Program and the Default notices retracted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. XXXX  and Experian keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.
Product: Mortgage

Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.
Product: Debt collection

XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX   ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

Settlement agreement for the amount of {$800.00} made between XXXX   XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. 

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. 

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. 

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXXXXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. 

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report with accounts that appear to be reported in my name incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Huntington Bancshares, allowed me to open up a business checking account using my LLC 's legally  registered business service address. And allowed funds, {$1.00} cash and {$25000.00} check to be deposited into the account. The account was later frozen along with all the deposited funds. The Bank Compliance dept requested my LLC be listed at another address for the Bank account to be unfrozen. Now the Bank account has been closed, and no communication has been sent or written to me regarding what has happened to my funds. 

Why was I allowed to open up a business checking account using a address later deemed by the Bank to not meet compliance? Why wasn't this addressed at the opening of the Bank account, why was it noticed after I had deposited funds. Huntington has given me the run around is avoiding communication with me. And has not returned my {$25000.00}.
Product: Credit reporting or other personal consumer reports

I have no recollection of any business transaction with either " XXXX XXXX '' or " XXXX ''. Currently these " organizations are reporting a delinquency with the balance of {$1800.00} major credit reporting agencies. After my own investigation I confirmed with the Florida XXXX of XXXX that at neither " company '' has a valid and current corporate status. In fact, both are acting in bad faith and will be reported to the XXXX XXXX, AND XXXX!. Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States *. ***, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used XXXX separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. Transunion has removed the account over 6 times within the past year from collection attempt from XXXX! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$1800.00} tradeline, I will drop my claim against the companies.
Product: Mortgage

I have had issues with Amerihome Mortgage Company over 3 different times where we made a payment and it didn't reflect on our end to show the payment was made. They would misapply the payment to either escrow or deferred balance but not to the principal loan which is how each payment was clearly made.They have been playing games with my mortgage balance and I have to call numerous times each time just to get my issue resolved. Please I am begging someone to help me. I have asked this mortgage servicer to sell my loan to some other company who is more responsible.
Product: Mortgage

I recently refinanced my home mortgage and my loan was sold to NewRez. After three weeks of phone calls trying to contact NewRez, my new mortgage lender, I was finally able to reach a phone representative ( XXXX  ) on XX/XX/2020, and I explained my situation to her. I told her, " I am a XXXX XXXX, and my XXXX   XXXX  will end on Friday, XX/XX/XXXX, and I will be unemployed related to COVID-19. I am calling to find out my options. '' XXXX took my information and said, " You don't need to pay your XX/XX/XXXX mortgage payment. I just made a note in the system. Someone from the NewRez mortgage department will be contacting you within seven to ten days to discuss your options. '' I thanked her, and clarified that " I am not interested in a ( COVID ) FORBEARANCE PLAN. That is not an option for me because the cumulative owed payments will be due at the end of three months. '' I asked her if she was a mortgage person, and she said she was NOT. She was simply fielding phone calls. Well, nobody called me, and I received a letter from NewRez ( my mortgage lender ) in the mail yesterday, Friday, XX/XX/2020. The letter states that my lender has placed my mortgage in FORBEARANCE. I almost lost my mind! That is exactly what I DID NOT WANT! I did NOT make this request! I DID NOT APPROVE THIS PLAN! I was completely misled by this phone representative. I have tried contacting my lender, NEWREZ, LLC, but nobody picks up the phone. They have a recorded outgoing voicemail stating, " Your point person is not available right now. This voicemail is full. '' I plan on calling NewRez on Monday at XXXX XXXX ( EST ), as soon as they open their phone lines. According to the second letter I received today from NewRez/Shellpoint Morgage Servicing, I was appointed a foreberance representative : XXXX XXXX. Her phone number is : XXXX, Ext. XXXX. I am going to request her to take me off this FORBEARANCE PLAN immediately. I did not apply for this plan. I did not approve this plan. NOBODY CALLED ME to discuss my options as indicated by XXXX, the phone representative I spoke to. I am PRAYING that this is not going to impact my credit report adversely because I know it can. I will request they reverse or repair any potential damage to my credit report, immediately. And, I am prepared to make my XX/XX/XXXX mortgage payment, but I will not pay it under the FORBEARANCE PLAN because I want to pay my XXXX, 2020 NewRez mortgage payment. I have documented everything, and I need help removing my home mortgage loan from this COVID FOREBEARANCE PLAN ASAP! Please warn everybody against this lender, especially during these pandemic times! How dare they put me on this plan without asking for my permission? And, how can they legally do something like this without speaking to me or my signing a document? The phone representative misinformed me and misled me to believe that someone was going to contact me to offer me options. PLEASE, PLEASE help me. Time is of the essence as I do not want to make a late mortgage payment due to this company 's fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022. 

The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank did an inquiry on my credit in XX/XX/2019 for Sams and I have never had anything with Sams. I got an alert the day it happen and called Synchrony they cancel the card and told me they was sending a letter to the bureaus to have the inquiry removed. Well the other 2 removed it but XXXX did not I just found this out when I was checking my credit getting ready to get a car. I contacted Synchrony and now they are telling me they have nothing on me in their system and cant give me a letter to give to XXXX XXXX  keep saying they need something from them to remove the inquiry but everybody is giving me the run around. I cant get the letter if they want give me one XXXX told me today I need a police report to get it removed I have never heard a bunch of mess like this an tired of it can you all please help
Product: Payday loan, title loan, or personal loan

Problem started taking a personal loan from XXXX XXXX XXXX for XXXX back in XX/XX/XXXX. I have been paying the regular payments and was almost at 50 % done before the recession in XX/XX/XXXX. XXXX  XXXX XXXX tried to collect only XXXX to close the account. I didn't have that money to pay it off but I paid about {$1400.00} and couldn't negotiate the rest. a couple of years later. my loan was gone to a collection Agency called XXXX ( Law Office of Howard Lee Schiff P.C. Theses people were sending me notice to my old  address which I didn't have access to and then they went to the court and never had a chance to defend myself or come to agreement. All of a sudden I receive a letter to my current resident address stating that XXXX  have taken action collecting {$35.00} a week starting XX/XX/XXXX. but guess what, I'm paying for my original loan amount again XXXX they probably bought it for XXXX   or less. I didn't complain and reached out and almost paid the first year in total. had some trouble paying for 2 months ( l {$280.00} ). two weeks later. a letter from marshal was sent to my work asking them to deduct 25 % of my paycheck. Is that fair! Oh, and again i'm back to XXXX by adding {$2500.00} marshal fees on top of the loan ... .I 'm down and don't know what to do. These guys never communicated with me before taking any action. I'm not feeling comfortable at work knowing that this was brought to where I work.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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: Credit reporting or other personal consumer reports

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. XXXX, XXXX, Equifax.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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  ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you