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

My father passed away XX/XX/2020. He has a checking and savings account with Suntrust bank. There is a beneficiary on his checking but none on his savings, so I ( his only child ) am entitled access to his account. I had an appointment at Suntrust on XX/XX/XXXX and met with Ms. XXXX ( will give name if requested ) to discuss his account and I completed and signed an Affidavit and Application for Deposit. While there Ms. XXXX, informed me that someone requested a hold on my father 's account. She did additional research but I was not allowed any information or access to my father 's account. Since then, I have called Suntrust Customer Service, and I called the Suntrust bank in XXXX, Va and spoke with a lady ( will provide her name if requested ) but she was of no assistance. She passed the call along. Other than Ms. XXXX, no one from Suntrust has communicated with me about his account. I have had " hang up '' calls, representatives that state they can not help me, or messages taken but no return calls.
Product: Mortgage

Said denied on loan mod due to investor said NOT MAKING ENOUGH MONEY ON LOAN? NEVER RECEVIED ANYTHING NEED COPIES OF IT, ORIGINAL LOAN DOCUMENTS NEED TO SEE and why not modified for XXXX  years at a RECOVER MODIFICATION! AND GOING XXXX NC XXXXXXXX XXXX XXXXXXXX will cover the difference, but need never received anything from the bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX. XXXX XXXX : {$0.00}
Product: Student loan

The College I attended XXXX XXXX XXXX XXXX was shut down while still enrolled. I was not able to complete my program, but I still have to pay this private loan through UAS.
Product: Credit reporting or other personal consumer reports

I sent a formal request XXXX XXXX XXXX XXXX XXXX to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter requested that the recipient acknowledges and confirms in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have not received correspondence of the letter.
Product: Credit reporting or other personal consumer reports

XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to disability and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am submitting the requested supportive documentation required to ensure compliance to help me due to Human Trafficking debt bondage that Ive suffered which falls under Trafficking according to the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). 

I kindly request that you XXXX this information from my credit account within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

I am a victim of Human Trafficking of Debt Bondage and need for all listed accounts to be BLOCKED and DELETED from this credit bureau. 

I will include a separate written summary of the debt and upload it. 

Thank you in advance,
Product: Money transfer, virtual currency, or money service

I'd like to report Venmo for a " bait & switch '' promotion to get consumers to open new Venmo accounts ( probably directed at current PayPal users ). I have received, and turned-down, many offers to open a Venmo account for a {$10.00} credit ( e.g. have a saved email offer from XX/XX/XXXX ). On XX/XX/XXXX I finally " bit '' after receiving a solicitation for new Venmo members only, to open a Venmo account stating you would receive a credit of between {$10.00} to {$500.00}. The official rules called it a " sweepstakes '' and just require that you sign up before XXXX, XXXX and they needed a phone number, and your " payout '' would arrive within 30 days. ( When I first signed up I didn't even realize it was a sort of " sweepstakes payout. '' ) After I signed up my Venmo account was ( is ) live but EMPTY. On XX/XX/XXXX I got a followup email wanting to verify my e-mail ( which I had done in order to open the account in the first place ). On XX/XX/XXXX Venmo e-mailed again stating I was " almost there '' and now they wanted me to link a bank account! I wrote their customer service to complain and advised I had not received any credit XXXX On XX/XX/XXXX they e-mailed me another solicitation to accept a {$5.00} credit stating " It's been a while, we miss you '' and to show our appreciation accept this {$5.00} within 2 weeks or it expires. I did not accept that. I now see that the official " sweepstakes rules '' state if you accept any intervening offers from them it voids their {$10.00} to {$500.00} offer. Seems like a classic " bait a switch tactic. '' I wrote to Venmo customer service to complain I had not received what I had been promised to open an account with them on XXXX, XX/XX/XXXX & XX/XX/XXXX. At no time did they say I didn't fulfill all the offer requirements nor that they needed a bank account to be linked ; They always said to be patient and it would take about 30 days to see the $ arrive in my Venmo account. Baloney! I have received nothing but " lulling letters '' from their customer service ( I saved all these email communications in my XXXX  account. On XX/XX/XXXX I told them I felt they had misled me to open this account and that the CFPB " frowns upon '' this sort of thing to get consumers to open new accounts and if they didn't remedy the situation I'd file a complaint with the CFPB ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX account # XXXX, Self/XXXX  Bank XXXX XXXX Self XXXX Bank XXXX has violated my rights.

15 USC1681 Section 602 States I have the right to privacy.

15 USC1681 Section604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

25USC 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 reporting

Disputed XXXX XXXX and acct shows open date of XX/XX/XXXX.This acct was auto removed from transunion and experian this month.I disputed this item XXXX times in XXXX stating it was an expired acct and that the XXXX deliquency date was also incorrect as well as the acct information and payment history.The results of the dispute says they contacted XXXX who told them they can delete the historical data from the report. So most likely they are deleting the historical data because it is not correct or inaccurate.But for some reason they are still not removing this item from the credit report, nothing verified but still going to keep item on my report while transunion and experian it was automacitically remove in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by XXXX XXXX mortgage specialist that I have two different files under same Social Security number at Equifax. I reached Equifax on phone at tel XXXX. After talking with multiple people on phone they promised me they will fix this problem in next 24 hours. I emailed them at XXXX with my Insurance card & driver 's license confirming my ID and request to fix my file as my banker will not approve loan with two files under on SSN. 

Today, I called them to follow up about this. They asked me bunch of security questions. As such, I do not have any loan an open balance with any bank, person kept ask me about minimum balance payment and loan amount of past closed loan. I do not have any balance and open loan, i replied. They were not happy with my answer and declined to fix my credit report. 

Here, I have signed Home purchase contract. I need to get finance approval this week to close my home early coming month. Due to error from their end ( two files under one SSN ), I am suffering to go through so many trouble and will have my mortgage declined. 

Why I need to suffer due to equifax 's mistake? Do I have any legal way so that they stop displaying wrong information? Shouldn't be their obligation whenever they have two files under same SSN they should be proactively reaching to me to fix it? Here, I am chasing so many people to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was with Care Credit. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had Care Credit ( Synchrony Bank ) since the early XXXX. My son was under XXXX years old when I had Care Credit. He is now XXXX years old. How much longer will I have to deal with this?
Product: Mortgage

I had to file bankruptcy in XX/XX/XXXX I reaffirmed with my mortgage company the servicer is Dovenmuehle. Ive been requesting a modification and rate since XX/XX/XXXX. Ive supplied them with all the paperwork my W-2s my pay stubs letters everything they ask for in XXXX with no response and again in XXXX with no response. Ive paid my payment since I bought the house in XXXX on time every month. They initially called me on the phone and asked if I want to do a forebearance I told him no I wanted to modify my rate they still put my mortgage in forbearance I continued making my payment and have paid it again since XXXX on time every month. They sent me paperwork today for another forbearance which I never requested and told me they were putting my mortgage in forbearance. Ive tried to reach out to them by phone and you wait on the phone for 25 minutes to an hour no one ever answers the phone. They just keep sending me modification packets to complete but never have responded from XX/XX/XXXX or XX/XX/XXXX. I did talk to them on the phone in XX/XX/XXXX and they told me they had all the documentation they needed for my modification request I never heard from them I called again and theyre trying to claim they didnt have the correct documentation. Their website showed four months they had all the necessary Documents. Isnt there some type of law if theyre going to decline my modification that they have to respond to me within so many days and let me know theyre declining my request. The rates are at an all time low and they just seem to be playing stall games about my modification request. My taxes and insurance have went up my payments increased by about {$200.00} since I bought my home and since XXXX Ive been in the hospital twice which Ive expressed to them how important the rate modification is to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under XXXX u.s.c 1681... Account Name... XXXX XXXX  ... Account # XXXX ... Account name.. XXXX XXXX  ... Account # XXXX ... Account Name... XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : ACCOUNT NAME ACCT # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX Box XXXX XXXX, PA XXXX XXXX XXXX, XXXX To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) XXXX XXXX Recorder of Deeds Docket # : XXXX in the amount of {$2900.00} 2 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
4 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
5 ) Dept. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 6 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00} 1 ) Docket # : XXXX this is a business debt that should not be a part of my personal credit profile and the issue is being investigated by the XXXX XXXX XXXX XXXX because XXXX XXXX negligently held back Taxes to the taxing entities wrongfully causing this tax Lien unwarrantly. This balance was adjusted and on time ; therefore, please updates my credit file to reflect the correct status. 
2 ) XXXX of XXXX # : XXXX This account has been resolved with a payment arrangement as of XXXX XXXX and consolidated into one account # : XXXX ; therefore, please update my credit file accordingly and deleted immediately from my credit file. 
XXXX XXXX XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
XXXX XXXX XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
XXXX ) Dept. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
XXXX ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as agreed. 
XXXX XXXX All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness. 

The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

XXXX truly, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, {$880.00} information is incorrect. 
XX/XX/year>, {$380.00}, information is incorrect. 
XX/XX/year>, {$280.00}, information is incorrect.
Product: Credit card or prepaid card

I was visiting my mother in Arkansas ( from XX/XX/XXXX - XX/XX/XXXX ) when I received an email from XXXX saying I had purchased tickets to the XXXX XXXX XXXX XXXX XXXX basketball game in XXXX on XX/XX/XXXX. I was still in Arkansas for that game, so I would not have purchased those tickets and immediately called Chase and disputed the claim. The claim was for {$570.00} Chase took care of it and I saw the charge drop off my account within a couple days. They canceled that credit card number and sent me a new one. 

In that time of waiting for a new card, another fraudulent charge was attempted on my XXXX account for the next XXXX XXXX XXXX XXXX XXXX basketball game in XXXX ( amount was {$870.00} ), but it was declined because the credit card number had been changed. I have both order numbers for both ticket purchases. I then looked futher into my account and noticed that my address had been changed to somewhere in XXXX XXXX. So the criminals had even changed my account address! This would end up not being enough proof for Chase. 

Then on XX/XX/XXXX, I noticed that the original XXXX purchase had re-appeared on my credit card account. I waited a few days to make sure it stayed on the account and it did, so I called Chase to inquire why this charge had returned. They said they had reviewed my dispute claim and decided that I had indeed made the purchase because it came from my credit card and my name and email address were the same. I told Chase that the criminals had attempted a second purchase but it had been declined due to Chase sending me a new card. They said I would need to provide proof from within my XXXX account. I immediately sent them screenshots of the fraudulent charges on my XXXX account, including the address change, even circling in red where the issues occurred. 

Two days later, so now XX/XX/XXXX, I received a letter from Chase saying they have concluded their review and have found the transaction valid. Case closed, apparently. 

To recap, I was not in the same state for a basketball game for which I purchased tickets. A second fraudulent basketball game ticket charge was attempted AFTER receiving a new credit card from Chase only for it to be declined, along with a fraudulent address change on the XXXX account, were all not enough evidence for Chase to believe I had not made these ticket purchases.
Product: Debt collection

The XXXX amount owed is not my debt. XX/XX/15
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX