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

I recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached doc2uments. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Mortgage

In XXXX of XXXX, I applied for a mortgage forbedance because of covid with Suntrust, which was the bank who on the time. When the forbedance period ended in XX/XX/XXXX, they sent me a letter saying that my options were to pay a lump sum for the amount that was open during forbedance, or to do a loan modification. I contacted them and communicated that I wanted to do a loan modification. They made me sign some documents and send it back to them. I did as instructed. I confirmed later on they had received the docment signed, and they told that I had to wait until they send the modification paperwork, and that it could take sometime due to the number of modifciations they were doing, and that I did not need to make any payments while I was waiting, but I could do if I wanted to. I never heard anything from them since XXXX weeks ago, when they sent me a leter saying that I was in default, and that they were going to foreclosure my XXXX XXXX I contacted them and explained. 
They knowledge that they failed in sending me the paperwork and told me to fill out a mortgage assistance application. They said they were going to send the application by mail. I never got any application, but I found the document online, filled it out and sent it to them. When a called again last week to follow-up, the home preservationa ssiatnce told me that the application was a mistake, that I did not have to do that, and that indeed all they had to do was to send me the loan modification paperwork, and that I was not on default and the amount owned showing on the statement was wrong. During the weekend, I received a notification that they reported the loan as in default on credit report. It dropped my credit score from XXXX to XXXX. It is also showing the loan balance an amount of $ XXXX, which is more than the original loan. 
When I called them back today to inquire about that, they started to say that it was my fault for not following-up, and that there was nothing they can do about my credit report. At this point, I am extremely concerned about this situation. Each time I call, they say something different. When I was dealing with Sun Trust, I never had any problems with them., Now that they have been adquired by Truist XXXX I feel like they are completely disorganized, and because of that, I am being penalized for something that is not my fault. The foubedance was my right, and I did everything as instructed. I need please to report them, and I need assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these fraudulent inquiries multiple times. Every bureau has removed them except Equifax. 
Based on 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to 15 U.S.C 1681 Section 602 A. States I have the right to privacy According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a credit dispute to Equifax for XXXX XXXX XXXX XXXX XXXX, account number XXXX and received a notice on My Equifax stating the dispute was completed. After trying to access the report online for XXXX days with no success, I decided to contact Equifax by phone on XX/XX/2022. The representative stated the information was verified as accurate by XXXX XXXX XXXX XXXX XXXX. I explained to the representative that the last date of payment was incorrect, and the account is more than XXXX years old. The representative stated that the information can remain on my credit for XXXX years, according to the retention policy and my credit report has been update with the correct information. I explained to the representative this specific account ( XXXX XXXX ) has been removed from my XXXX and my XXXX credit report because it is more than XXXX years old, the date of last payment reflects an earlier date, and I reviewed my credit report the information was not updated. The XXXX XXXX XXXX shows the same as before. The representative only reiterated that same information as before. 

The XXXX XXXX XXXX ( account number XXXX ) information on my Equifax credit report is being inaccurately reported. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account my written instructions.
Product: Debt collection

In XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX The court imposed a {$500.00} fine and {$3800.00} court cost. The Clerk of the Court turned the debt over to the XXXX XXXX XXXX who added 25 % to the debt ( XXXX ). I filed a Motion to Proceed In XXXX XXXX - - a form requesting modification of court cost because I am XXXX and unable to pay in accordance to PA law on XXXX XX/XX/XXXX. The clerk of the court responded by sending my persona information and social security statements of benefits to XXXX XXXX, thus adding another 25 % to the debt. After being XXXX XXXX XXXX XXXX XXXX sent me information to the XXXX XXXX XXXX to collect a fee for being XXXX XXXX XXXX  They called my treating the clerk would put me XXXX XXXX XXXX  if I did not pay them the debt and their fees. They placed a negative mark on my credit report. Please review the XXXX XXXX XXXX XXXX XXXX website. It very telling. XXXX XXXX XXXX XXXX XXXX XXXX The amounts in dispute are no criminal penalties nor fines but court cost. Actually its a court tax to support their community. 


Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I read about Simple online banking ( XXXX ) in the XXXX and was excited to set up an account. 

I opened an account and transferred {$2000.00} into it from my XXXX XXXX checking account on XXXX XXXX. After transferring funds into the account I received a message stating that my account had been frozen since they " could n't identify me. '' At this point, I was told that I had to supply a copy of my social security card in order to gain access to my account. During the month of XXXX, I moved into a new apartment, and I discovered my social security card was missing. 

I received one followup message from Simple, and then on XXXX XXXX I was told my account was closed. When I called into Simple customer service to ask where my funds were and to see if there was a workaround for not having my social security card, I was assured that I would n't need to produce my social security card and that the check would be mailed. On 4 or 5 occasions in XXXX, I called to check on the status of the check, each time being advised by Simple customer service that the " check was on the way. '' On XXXX XXXX, I called again to inquire about the status of my check and was told that the account had actually not been closed and that I still needed to provide my social security card to release the funds. I spoke with a manager who told me that, despite the fact it was Simple 's error in telling me my funds were on their way back to me, that I would still need to produce a social security card. She also advised that this is not the first time that this issue has come up with other Simple customers. 

On XXXX XXXX, I provided copies of my Social Security card and the other required documentation. I called on XXXX XXXX and today ( XXXX XXXX ) and have been told that my account is still under the " review process '' by another team at Simple. When asked if it could be escalated ( since my funds have now been frozen for 2 months ) I was told that it was n't possible.
Product: Credit card or prepaid card

Wells fargo Bank states there was a card in my name at the time i was trying to get my credit repaired from a identity theft that happen prior to finding out about this account with wells fargo. I was told the balance was {$130.00} .Since that was such a small amount i fiqured let me pay the {$130.00} so that this would be removed from my credit report. Not sure on the date but on my report it shows paid but its still showing a negative on my report .I would like to have wells fargo remove this from my credit report due to this is fruad.XXXX was a account that i had a secure card with .XXXX allowed some one who was not listed as a authorized user on my account to pay my XXXX bill and then when my card had charges that was fruad i file a dispute and XXXX wanted to make me pay for the charges that i filed a dispute with. XXXX XXXX XXXX XXXX was closed out because they did not clear my rent payment which caused me extra money for late fees with my property mangement. Its not true about the late fees XXXX XXXX XXXX XXXX had a problem with a late payment due to some issues with there system that didnt allow the payment to process.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX and XXXX XXXX XXXX XXXX were both reported late. Neither should have. I was advised from XXXX XXXXXXXX because I was on a credit protection since XX/XX/XXXX that didnt go through successfully for good faith I should ask to be remove by a XXXX XXXXXXXX representative. I lost my job in XX/XX/XXXX and just got divorced I have been in a XXXX XXXXXXXX as I was left to care of my XXXX kids alone. I ask now I am on track and trying to move my family away to XXXX  and start over please to remove the late payments. Both accounts are up to date. The balance of XXXX XXXXXXXX is XXXX not sure why its not updated. Please give me hope to move forward with my life as I have been the lowest and just now getting back to having reasons to live. I understand fully the importance of credit and will maintain a positive report moving forward this is a huge hurdle with doing so when I was registered to be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 COMPLAINTS AGAINST : # 1 EXPERIAN CREDIT REPORTING CO. 
XXXX XXXX XXXX, XXXX TX XXXX # 2 XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX CA XXXX # 3 XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ATTORNEY WHO 1ST REPORTED UD CASE TO CREDIT BUREAUS APPROXIMATELY XXXX XXXX XXXX XXXX XXXX XXXX., XXXX CA XXXX Reference UD Case # XXXX entered XX/XX/XXXX states this UD case was in no way to be reported to the credit bureaus See Exhibit # 1 attached. 
I have been denied application to rent twice by XXXX XXXX. on XXXX and XXXX due to UD reported to credit bureaus. See Exhibit # 2 attached. 
My Complaint is that XXXX XXXX XXXX XXXX and Experian Credit Reporting Co. are failing to comply with court order/stipulation signed by all parties, Plaintiff, Defendant and Judge.that clearly states : Plaintiff and defendant further stipulate as follows : THERE SHALL BE NO PREVAILING PARTY FOR CREDIT REPORTING AS AN UNLAWFUL DETAINER PURSUANT TO CIVIL CODE SECTION 1786.18 ( a ) ( 4 ). 
Page 2 : Continued : Plaintiffs first attorney who handled UD case XXXX XXXX XXXX wrongfully started all this credit reporting at the final of UD case XXXX. Then due to my telephone complaints to XXXX XXXX XXXX, they sent me a typed, supporting claim that they were surprised that my UD case appears on my credit report. See their letter dated XXXX. See Exhibit # 3 attached. 
Experian processed 2 of my complaints/disputes and states not being removed due to response from XXXX XXXX XXXX XXXX. I sent Experian 2 complaints XX/XX/XXXX and XX/XX/XXXX. See Exhibit # 4 attached. 
See XXXX letter from XXXX attorney, XXXX XXXX, stating they have Not violated the stipulation filed XXXX, yet the Experian credit reporting is clearly showing the UD case. 
Yes, I did agree to the Stipulation and did not disagree with any billing associated with the UD against me, but the XXXXXXXX Stipulates that this UD case was NOT to be reported against meyet it is? 
See Exhibit # 6 Attorney XXXX XXXX letter. 
See Exhibit # 2 two credit reports dated XXXX and XXXX run by XXXX XXXX. XXXX. Both apartment applications were DENIED due to the wrongfully reported UD case. 
I went to the courts to obtain a Certified Copy of The final UD judgement signed on XXXX. 
The Clerk was surprised that the above 3 companies reported ANY of this UD case to the credit bureaus and said its a violation of Judges Stipulation. 
I consulted with a Legal Aid attorney, and he stated I have a case to sue for all of the above noted wrong doing of reporting this UD case in any way to the credit bureaus. 
SUMMARY OF THIS COMPLAINT, AT THIS TIME : I am requesting all parties to IMMEDIATELY REMOVE ANY AND ALL UD CASE INFO from Any and ALL credit bureau ( s ). It may have and may report to in the future. 
and i reserve the right to a financial claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sick hospitalized due to XXXX I never tried to apply for anything. I need these companies removed.
Product: Checking or savings account

Here 's a revised version of your letter to Ally Auto, incorporating your request for updating inaccurate information and addressing fees : -- - XXXX XXXX XXXX XXXX Subject : Urgent Action Required : Resolution Needed for Late Payments and Credit Reporting Issue - Account Number XXXX Dear Ally, I am reaching out to urgently address a critical issue regarding my account with Ally Bank, identified by the account number XXXX. On XX/XX/year>, I contacted Ally to discuss the late payments on my account and requested to have the missing months added to the end of the contract. 

During my conversation with your customer service representative, XXXX, I encountered challenges in explaining my situation. Despite my attempts to clarify, there seems to be a misunderstanding regarding placing the missing months at the end of the contract. Additionally, I have noticed that payments made towards my account have not been reported, potentially impacting my business credit. 

As a responsible account holder, I am committed to resolving the outstanding payments and ensuring timely repayment of any dues. I plan to begin payments starting XX/XX/year> to catch up and clear the owed amounts. It is crucial for me to maintain a positive credit standing for my business, as any adverse marks on my credit report could have severe repercussions.

I urge you to take immediate action to rectify the reporting discrepancies, ensure that the missing months are correctly accounted for at the end of the contract, and remove any inaccurate information from my credit report. Furthermore, I request that all fees and amounts due be addressed appropriately. Failure to resolve this matter promptly may compel me to explore legal actions to protect my financial interests.

I trust that Ally Bank values its customers and is committed to resolving issues effectively. Please acknowledge receipt of this email and provide a clear plan of action to address the concerns raised. Your prompt attention to this matter is greatly appreciated.

I am available for further discussion or clarification. Please contact me at XXXX. 

Thank you for your understanding and cooperation in resolving this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

PayPal Credit, which I believe is part of Synchrony Bank, signed me up for a credit card without my knowledge or consent. Last month they sent me a bill for a monthly fee, which was when I first learned this account existed. I asked them to close the account as I did not approve it being opened. 

Today I got another bill from them and they have not closed the account nor responded to my request. I contacted them again telling them to do so and indicating that I would be putting forward a complaint against them. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

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

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Debt collection

LVNV Funding LLC is currently trying to collect on a debt that they have not and can not verify as my actual debt they took me to court and then stated that they couldnt verify it and would throw it out and that they would send papers allowing me to sign, i never received the paperwork and the information is still on my credit.
Product: Debt collection

I am a natural person and was contacted by a third party collections agency by mail and phone about a debt .Pursuit to 15 usc 1692a, they are not suppose to contact me about a debt they assume I owe. I am including a copy of what was sent from me first and a response from them with a cease and desist. They have violated numerous laws within the exhibits. The caused me stress with contacting me while I'm at work and contacted my wife as to which I don't know how they got her contact info. The original creditor have breeched my confidential information such as my social security number to a third party.
Product: Vehicle loan or lease

I applied for an auto loan through XXXX XXXX XXXX for a XXXX XXXX XXXXXXXX XXXX my request for an extension of credit was denied credit when I was denied I called the finance manager to discuss my application and get the contact information for the underwriter directly assigned to my application. I was given a generic number and when I called that number, the Chase rep that I spoke to said that he works for the dealership. This took me by surprise because if my application was approved I wouldn't be paying the dealership I would be paying Chase. This is also a conflict of interest and needs to be examined by the OCC. Based on the of an applicant ( The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ) as well as the definition of an adverse action stated in 12 CFR Chapter 10 Part 1002 Subpart A 1002.2 ( A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered ) The denial of my application is a direct violation of the Code of Federal Regulations. Lastly I would like to move further into the discriminatory acts executed by the lender ( Chase Auto ). I'm a victim of disparate treatment as well as disparate impact. My application was denied without the lender verifying anything with me about me. Third party services were used during the entire transaction to verify my creditworthiness, the lender knew or should've known the requirement under 45 CFR 2554.5 that describes what a false claim or statement is. 
( XXXX ) Asserts a material fact which is false, fictitious, or fraudulent; or ( XXXX ) Is false, fictitious, or fraudulent because it omits a material fact that the person making the statement has a duty to include in the statement. In addition, the statement must contain or be accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. 
The statement must contain or be accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. The lender knew or should've known the denial letter from ( Chase Auto ) must contain or be accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement and in this case Chase Auto failed to contain certifications or affirmations of truthfulness of the contents of the denial letter. The lender knew or should've known that the consumer report must contain or be accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement/document. In the event of litigation we will request a statistical analysis for all loan data, we'll also request for a file review for both the Credit Reporting Agencies as well as the lender ( Chase Auto ).
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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, credit repair services, or other personal consumer reports

I have a {$15.00} collection on my credit report from XXXX XXXX   regarding XXXX XXXX XXXX, that is erroneous. I have contacted XXXX XXXX, XXXX XXXX, Equifax, XXXX  company. both XXXX XXXX  and XXXX say they show I owe them nothing. I can't get anyone to remove this.