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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Incorrect Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

All of my XXXX counts shows late payments that are inaccurate. Ive tried several times to fix this issue and XXXX refuses to do a thorough research of my account. I am showing late payments on my account after a unemployment forbearance was submitted. XXXX replied back stating that these were prior to forbearance when it fact I completed my documentation and had many phone calls to make sure there were no late payments or defaults. The loans were sent to default and after a lot of calls, emails and complaints XXXX realized it was an error on their behalf and rescinded the defaulted loans and placed back into good standing.This matter needs to be thoroughly investigated and case should not just be closed bc XXXX responded with inaccurate information.
Product: Mortgage

I am inquiring about forbearance versus deferment. Why is PHH/XXXX not offering clients a deferment payment during these unprecedented times of COVID-19? 
I am an on-time paying client and have been for many years. I have been impacted by COVID-19 with a furlough and an uncertain return-to-work time frame. I contacted XXXX customer service by phone on XX/XX/20 and through email only to learn that the expectation of forbearance is to repay at the end of 90 days with no option to renegotiate the loan. My intent to defer, ( have the payments that are missed be renegotiated back into the life of the loan ) was not entertained. 
I would like XXXX/PHH to consider the client on an individual basis. COVID-19 impact is not a one-size-fits all. Every client should have options at this time. 

I have included the attorney general of California in this email for future reference and counsel, potentially for my circumstance or others. 

Please confirm the receipt of this email and what next steps may look like. 

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

XXXX XX/XX/2018 I used the free credit reports website to access and print off all three of my annual credit reports. My name is unusual, and all three had multiple incorrect listings. I attempted to alert them to this, but the only avenue they provide is as a dispute, which must be handled they say via email. So email address and, weirdly, a password were required. Today, XXXX XX/XX/2018, I received an email from TransUnion congratulating me on being signed up for their service, only {$19.00}, no word or way to correct the names listing, and no email reply accepted. So I went to their online customer service page, which provides a phone number. Which I called, waiting some minutes, and finally spoke with " XXXX '', poor man. XXXX required my social security number, name, mailing address, pulled up my file, listened to my request to correct my name, then started telling me he had to ask me questions to verify my identity -- the same questions I'd answered the day before online. By now I'd spent 40 minutes on this and was becoming angry. He began asking the questions, but began to break up so I could not hear the multiple choices to answer, which I told him. I also said this was a ridiculous way for TransUnion to behave, apologized for my angry voice, that I wasn't mad at him but at his company, and that I couldn't hear him and was going to hang up. I also said I was going to complain about this bait and switch, starting with my state 's attorney general, and I hung up. I didn't contact the attorney general, I contacted you. 

My last name is two separate and equal words, which computers sometimes can not handle. Even so, I have had to correct only one account in the last 20 years, with XXXX XXXX. So there is no reasonable explanation for all these aliases. I also have two middle names, which complicates things somewhat but honestly, it can't be impossible in this day and age to get somebody's name right. Social Security can. I bet the IRS can, too. OK, that's it : incorrect names and trying to say I signed up for a service I did not sign up for when they know perfectly well they can themselves report my failure to pay them as a ding on my credit. Pretty furious at them. Hope you can help.
Product: Debt collection

I am not aware of an account open under credit corp solutions or debt owed to this company. 

Company is attempting to collect a debt in the amount of {$620.00}. 

Originally the debt collector reported to the credit bureau that I owed {$620.00} to XXXX XXXX, upon disputing, they corrected the original creditor to credit corp solutions in which I do not have an a account or aware of any debts owed to either parties for said amount.
Product: Credit reporting or other personal consumer reports

The account name : XXXX XXXX in the Amount of {$980.00} has attempted to collect a debt that is not mines. 

I have asked Experian to provide a method of verification but I have not yet to receive my method of verification 's. 

Under the 15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Debt collection

On XX/XX/XXXX Santander Consumer USA sent XXXX XXXX out to my home to seize the car .Defendant is an Illinois corporation with its headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX in the XXXX XXXX of Texas XXXX This case was previously settled in court after I filled a complaint on XX/XX/XXXX see your files,XXXX consumer protection file number - The statute of limitations has expired and Santander is still sending people to my house in an effort to harass me and my son. Please make them stop and take my vehicle off any list of recovery agencies they may have. They are aware of this debt expiration date and still harass me and my son. I wish to take legal action through you all.
Product: Mortgage

XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW
Product: Credit card

I recently signed up for a American Express Blue Cash Everyday card. Upon signing up a scheduled an automatic payment so that the required payment would be paid in a timely manner. I received a confirmation XXXX/XXXX/2016 that my automatic payments were set up. My first payment date was n't until XXXX/XXXX/2016 ; however, I recently received a late payment fee of {$27.00} since the automated payment was not processed. I called the customer support number and learned that even though I configured my automatic payment over two weeks in advance that it would not start until XXXX/XXXX/2016. This resulted in the company charging me a late fee even though I had actively tried to set up payment.I had to contact the company and they made it seem like it was my fault for not paying the first payment on time and that they were doing me a courtesy in refunding my late fee. I think there are probably many people that are in the same situation as me but may not been as vigilant with their statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX  XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$5300.00} XX/XX/XXXX
Product: Credit card or prepaid card

This is identity theft. I never had a credit card or applied for one. Asset Acceptance LLC plaintiff XXXX Case XXXX XXXX Total amount due $ XXXX XXXX Clerk in XXXX XXXX XXXX Please notify Asset Acceptance LLC this is identity theft. The are requesting that I file this with you and send them a fax XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau place public records on my credit report after I sent proof that the clerk of the courts and Bankruptcy court do not report any information to credit bureaus and nor are they responsible for verifying or validating information from consumers credit files 15 USC Code 1681A and the fair credit reporting agency
Product: Mortgage

Real Time Resolutions Inc. [ RTR ] collected mortgage payments from me illegally after XXXX XXXX XXXX closed ( wrote off ) my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrectly added a derogatory item to my credit file for a large overdue bill in someone else 's name. They have this person listed as my " alias '' on my credit file. We do share the same first name but that is all. 

I do NOT have a XXXX account The past due amount reported on the credit file is {$3700.00}. 

This item was first added in XX/XX/XXXX and reported in XX/XX/XXXX. 

Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to me, addressed to this person, at my address. I marked the envelop with " return to sender ''. When that didn't work I called and spoke to a customer service representative. I thought that resolved the problem but it did not.
Product: Credit reporting or other personal consumer reports

XXXX vehicle returned that had a {$0.00} balance and was never late for XXXX XXXX Services. Lender marked account as a chargeoff when the account was being paid and they were able to collect a debt giving the impression that debt could not be paid when we agreed that I needed more time. They rather prevented payments from being made and marked vehicle as a chargeoff. A dealership offered to purchase vehicle and lender refused to accept process but rather cause me financial harm by making the situation worse. Agreement was that vehicle lease would be extended or purchased once home purchase complete. Lender blocked payment through their site as to make account seem late, manipulating an information system to their benefit thereby affecting loan process for home. XXXX has done similar action in the past where I was told {$0.00} balance after signing lease for new vehicle a balance for damage sent to me days later which is fraudulent business practices which went unchecked. Credit bureau agreed and fixed and when I sent more information for further correction switched to support XXXX without considering my account of events basically being the credit bureau for businesses and not the consumer.
Product: Credit card or prepaid card

Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.
Product: Checking or savings account

opened a Bank of America small business account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a small business that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my business and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a small struggling business. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own. My business credit score is ruined. I can not pay my SBA loan, and I have been rejected several times when I apply for business checking accounts for other banks, Bank of America refused to refund me even though it was their fault that they rejected my SBA disaster loan, and knew I had no income coming in as I am a small business owner. This is my second complaint date in fact, did not try to reach me. They closed my business checking accounts and it has been very hard for me since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help me...
Product: Money transfer, virtual currency, or money service

Manager XXXX XXXX XXXX XXXX # XXXX has refused to close my inactive account where by they admit it was compromised at some point in time XXXX XXXX ). Speaking to paypal on the phone about my account after they verified me, still refused to close the account after demanding i provide a ID. Which will not happen as I didn't agree to there term of service, dont want there service any longer and closed a second paypal account without ID. If Paypal opens accounts as if they are a bank and violate KTC and AML standards that isn't my problem.
Product: Mortgage

I have been constantly dealing with my mortgage company on a misapplied payment that took place in XX/XX/XXXX. Needless to say I have been calling constantly, and have been passed off to several departments and individuals. Each time I finally get an individual, they promise they will follow my issue to resolution. Needless to say, this has not happen, being the last and most current person I started communicatimg with in late XX/XX/XXXX. Still no resolution! 
During the time since XXXX working on a misapplied payment, they verbally admitted to me that my Homeowners Insurance was cancelled in error by the company. This was confirmed from the agent I'm working with now. He admitted to this error after listening to recorded telephone calls. He assured me he would resolve this issue, along with the missing payments. 
I have received numerous promises for call backs, even given specific dates and times he would call. Last promise date was last week, my last call was Friday XX/XX/XXXX, the CS agent stated she would contact him my email for a return call to me since he was put of the office, again no call back to date. In addition, I have sent WQR, and the have not received responses as back to me legal time frame. Please assist me in getting these issues resolved. 
Thank you!
Product: Credit reporting

There were credit inquiries resubmitted on my report that was taken off last summer due to fraud and they reinserted them without my knowledge or notification. 
The date is XX/XX/2016
Product: Money transfer, virtual currency, or money service

There were several instances where I needed assistance from Cashapp and only received written correspondence. Usually brief and directing me to contact merchants directly, offering no real help or assistance.