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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the status is inaccurate, the count of late payments is inaccurate, the high balance is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under XXXX XXXX81 section 602 A. States I have the right to privacy.

15 US C 1631 Section 604 A Section 2 : It also states e consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with Equifax, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, Equifax has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, Equifax has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my Equifax report : XXXX XXXX # XXXX XXXX (  XXXX )
Product: Mortgage

URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! 

We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. 

And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! 
I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed of my Lexis Nexis, XXXX XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
Product: Credit reporting or other personal consumer reports

I have been contacting Experien for several months about the incorrect and inconsistency in my address my address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX on my personal information with Experien they have my address as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX this is incorrect and not accurate I asked for this address to be removed and delete it off my file when I talked to Experien and they informed me that the address was deleted but I am still able to see the address on my personal information this address should not be appearing when I log in on the website it XXXX XXXX  my correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX they also have on my credit report when I open my file with Experien they have another address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX when I log in on the website with Experien it gives me a message saying that my information is not matching up with the lenders which mean I have been locked out of my account and unable to see my score or to maintain my credit I ask for all this to be corrected but I keep getting lied to and they refused to let me into my credit file by refusing to update my address and deleting these addresses I do not want these addresses updated I need this address to be delete it off my file so that when I login with Experien on the website I am able to maintain my credit and look over my files and see the correct information The report number # XXXX please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** XXXX : XXXX XXXX XXXX XXXX : Nothing Listed **Right Information : ** XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Attached are copies of documents to verify XXXX  identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Product: Checking or savings account

I opened an account with Bank of the West a couple of months ago. The manager of the local branch was extremely rude to me and made veiled threats to make sure my deposits weren't made available to me. Her representative cursed at me, screaming " XXXX XXXX! '' at me because I told him he was being rude to me. Later, I tried to complain to the bank and I was met with apathy and more rudeness. I was extremely irate - this isn't about a lunch order - this is about a bank employee making me feel threatened and unsafe having my money in her hands. The Executive office said they'd call me back in 3 days. They never did. Instead, they sent me a letter that called me abusive and said they did nothing wrong. Today, I tried to use the ATM at that branch and it took my card. The branch manager wouldn't even try to retrieve it and said I can't have it back until next Tuesday. Again, she was rude. I questioned whether she was denying me my card because I had complained about her. She said she didn't even remember me. I reminded her that her employee cursed at me. She then started yelling and saying it didn't happen. I yelled back that he admitted it. She then threatened to set me up for fraud and have my account closed. I did file a complaint with the bank, but, considering how they responded the last time, I doubt I'm going to get any sort of authentic response from them. This branch manager has threatened me and my account twice now. She also told me that NO MATTER WHAT, that employee that cursed at me would not be fired. I asked her why - I couldn't think of any other reason that someone would protect someone like that unless they were sleeping together. She went ballistic and now she refuses to give me my card back. I don't want this woman to have access to my account. She's threatened to set me up for a crime. I don't trust Bank of the West to do the right thing. They keep calling me, their customer names, and excusing their employees who cursed at me and threatened me. That's insanity.
Product: Payday loan, title loan, or personal loan

I have 9 payments due on the XXXX of every month from XXXX to XXXX. I am suppose to call or come in and pay. I haven't had to call or come in and pay because the money is coming off my account with out my approval. And on the wrong day. Today is the XXXX  and money has been taken out of my account.
Product: Debt or credit management

XX/XX/XXXX - I'm raising XXXX XXXX. met with individual with XXXX XXXX XXXX ( STrategic financial solutions ). 
Every month I paid {$380.00} until XXXX of XXXX. Paid an additional {$400.00}. This is what they withdrew each month : Service fee of {$160.00} Admin Fee of {$69.00} Retainer of {$100.00} Service charge of {$10.00}. 
of the {$380.00} i paid each month there was only {$43.00} left over to pay my bills. they only paid One bill for about {$200.00}. I tried calling over and over and emailing but NO results. I have had to turn things over to another financial place to help me. It really messed my financial situation up even more. I did get XXXX XXXX  to send me what i paid for a couple months. This should not happen to anyone. for XXXX months I paid {$3800.00}. of that amount they took over {$3000.00}. I can not pull up my account with them as they evidently deleted it. i have some papers I hope will help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Transunion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Transunion credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Transunion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. Please DELETE this account : XXXX XXXX
Product: Student loan

XXXX University, XXXX, PAMy monthly payment is too much for me to afford. I do n't have anymore forbearance or deferment time left. i am going back to school in XXXX but i only have 8 months of in school deferment left. Navient has suggested that i lean on my co-signer, who cant afford to help these days, as well as go into default on my mortgage to make payments.
Product: Credit reporting or other personal consumer reports

I have several different names listed on my credit report that is not accurate. 
I have attached my Driver License and Social Security Card proving that my name is not correct and also the other addresses that I do not and have not lived at, I need the following names and addresses to be removed immediately. 
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: Debt collection

ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}
Product: Mortgage

I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my auto loan was removed from credit report dropping my score by -9 pts. Im very angry I requested a dispute for inaccurate balance showing on my report for the auto loan. I didnt ask for it to be removed because it was in good standing. The auto company is Santander Consumer USA. The balance they have on my report is XXXX and my balance is XXXX. I pay my monthly installment on time every month, but its not updating continuously. Please put my Santander Auto Loan back on my report. This is my second or third time disputing the inaccuracies on my account and its not right. I pay my car payment on time, so I should receive credit for on time payments and since the account was removed my score was impacted negatively. Please return the loan back on my credit report ; it was already on my credit report.
Product: Debt collection

Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX show me that you are licensed to collect in my state ; Texas. Your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my consumers credit reporting rights under the XXXX and CFPB
Product: Money transfer, virtual currency, or money service

Once I realized that I could not access my money that was deposited, I tried to reach out to the company however, there was no way to speak to anyone to get any help.
Product: Mortgage

Select Portfolio Servicing which is more or less a bill collector they bought this mortgage from a XXXX they are doing the same thing fraudulent billing incorrect billing not being credit for payments made and I have a bankruptcy attorney and they charged me for quotes for a little drive by well that's against the law when you're in the process of filing bankruptcy if everything and have no mess they're taking advantage of someone that is XXXX and elderly and the information is incorrect I keep trying to tell them over and over getting nowhere as usual same as XXXX!! fraudulent billing, not being credit for payments made, change late fee when payment has been made on time!! They know I have a bankruptcy ATTORNEY and still lie breaking laws! Can not change me with there fraudulent charges!! Taking advantage of XXXX and elderly You busted them when it was XXXX morg!! Select Portfolio Serving in not even credited mortgage company They are a bill collection com.. 
I really need something done they're taking advantage of some of that is XXXX an elderly!! They know about my attorney but yet they still charge my account for something that they didn't even do they have everything I need my attorney 's name number address everything we've been through this with them I have too many times I don't need this please help me I want something down with this company I know I'm not the only one they are no different than XXXX mortgage fraudulent charges I don't know anything that they say I owe over billing don't get credit for payments being overcharged for late payments when I'm not late they know do not call me, attorney but they still call me I can prove that
Product: Credit reporting or other personal consumer reports

My report numerous addresses, phone numbers, and businesses that are not mine! I also see that there are numerous hard inquiries on my report from different companies that had no permission to do so. I have multiple inquiries and accounts that are fraudulent and the information is incorrect and not in connection to my name. I called all three bureaus and asked for the information to be removed and deleted from my records and report for theyre incorrect and I will see into doing a identity theft report!
Product: Credit card or prepaid card

A card was opened in my name when I was XXXX XXXX XXXX and the person how did it listed my birthday as XXXX I dont know how it was approve to be completely honest. But I have been attempting to get it removed for 10+ years now its destroyed my credit and Im being denied cards because of it. I Believe it had a XXXX dollar limit and was charged for XXXX i dont know who opened it but they used my childhood address.
Product: Credit reporting or other personal consumer reports

It took me by surprise how these inquiries on my report are still reporting when I have previously asked TransUnion to delete them. They said they were going to but I've been reviewing my credit report and it still hasn't gone.
Product: Student loan

I recently received an accounting of my student loan payments under the Public Service Loan Forgiveness Program ( PSLF ). It took more than 2 years, and 2 formal complaints to force XXXX to complete this accounting. I have two outstanding matters that have not been addressed : ( 1 ) my payment in XX/XX/2017 is listed as being LATE which is not correct ; and ( 2 ) my payment of XX/XX/2017 was for {$1300.00}, nearly 3x 's my normal monthly payment on the income-based repayment plan. 

ISSUE 1 : I did a direct consolidation to qualify for PSLF and my loans switched from XXXX to XXXX on XX/XX/2017. As such, I was not prompted to PAY my monthly payment to XXXX until XX/XX/2017, which I did timely and promptly. Because the date of payment was due to my loans switching from XXXX to XXXX and not because I was late, the XX/XX/2017 payment SHOULD be counted as timely and count toward my PSLF forgiveness. 

ISSUE 2 : In XXXX of 2017, I was forced to pay {$1300.00} OR XXXX would report me as delinquent to credit reporting sites. No one at XXXX  could explain why XX/XX/2017 's payment was more than my normal amount. A supervisor verbally told me my account would be credited with the extra payment, but no one has responded. 

Due to the fact the CFPB is the only avenue by which to get XXXX to respond to me, I would like another complaint issued to rectify these two payment discrepancies. 

XXXX is the worst company I have ever had the pleasure of dealing with. The only way an accounting of my past student loan payments was completed was by filing formal complaints with the CFPB and US Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to a complaint I submitted to Equifax on XX/XX/2022. They responded to my complaint on XX/XX/2022 and their response is another violation. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ), this elaborate mechanism continues to give me generic and automated responses. They need to conduct their own investigation about my issue pursuant to 15 U.S.C 1681i ( a ) ( 4 ). I have a right to a reasonable investigation from Equifax. Also, pursuant to 15 U.S.C 1681i ( a ) ( 5 ) ( C ), Equifax needs to make sure that this unfair and inaccurate reporting shall not show up on my report again. This issue lies directly with XXXX XXXX  and XXXX XXXX  because they continue to report a balance that I am not obligated to pay and Equifax continues to leave this negative information on my consumer report when pursuant to the FCRA they need to follow my directions.
Product: Bank account or service

This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. 

I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.