23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an alert on my credit report on XX/XX/XXXX about a new account opening. I reviewed my credit report and saw a new credit card from Truist Bank on my report with a balance of approximately {$7500.00} which I never opened or made transactions on. I immediately called Truist Bank who confirmed the existence of the card and balance. They mentioned that payments had been made on it as well, but I did not get detailed transaction information. They helped me submit a fraud request and also put a stop on the card to avoid further use during the investigation. I have been following up with Truist to get a status update without getting any update other than it is still open and them asking to confirm my contact information. I have yet to be contacted directly by the XXXX. I received a theft affidavit in the mail yesterday and returned to Truist with the identification information requested. I was hoping this would be quickly resolved by Truist Bank after a short review, but has gone on long enough that I would like to pursue other avenues to resolve the situation.
Product: Credit reporting or other personal consumer reports

I have summited multiple times to lexis Nexis that this bankruptcy that is being reported is not mine and they haven't not responded to my request of investigating my dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, TransUnion has failed to acknowledge or resolve the issue. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. 

The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, my house had a burst water pipe which caused a flood within the home. Due to this mishap, I was required to pay out-of-pocket to cover damaged expenses and repair expenses. This led to a difficulty to cover the upcoming XXXX mortgage payment. That same day, I called Freedom Mortgage XXXX FM XXXX and spoke to a representative from their Mitigation department. I described the scenario and ask if it was possible to have a deferral of XXXX 's payment. The woman authorized the deferral and told me that I would not be debited the XXXX mortgage payment. In XXXX, I received a notification from XXXX  stating that they had tried to debit my account twice but I had insufficient funds. I again called XXXX and spoke with another representative and explained the deferral, they then recommended that I begin a repayment plan for the missed XXXX payment. I started the repayment plan on XX/XX/XXXX and paid each month until the amount owed was payed off in XX/XX/XXXX. On XX/XX/XXXX, I received a credit report stating that I had multiple missed mortgage payments thus making me ineligible to receive another VA loan. I contacted XXXX  immediately and disputed the missed payments. They initiated an investigation into the matter but concluded that since I was entered into a repayment plan, not a deferment plan, the payments made were marked as late thus causing the missed payments on my credit report. I have brought the matter to their Escalation Department and made an official complaint, but they refuse to acknowledge the miscommunication and correct the matter. I am currently in the process of selling my house and retiring from XXXX XXXX military, I am now unable to buy a new home at my next location due to the negligence caused by XXXX.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Disputed Transaction Details : Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$150.00} Amount to be rebilled : {$150.00} On XX/XX/year>, I purchased an item, and despite receiving it, the product did not meet its advertised standards. The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$150.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Product: Credit reporting

I am unable to find a phone number that will get the to the correct person and/or get the report I need. On-line just says can not do it on-line due to information not matching but I verified I entered correct information. I had personal info hacked on an account and need to get credit report but not letting me on-line and can not get hold of anyone to see what the issue is.
Product: Mortgage

Dear Equifax, The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name and number XXXX : XXXX XXXX wrong : Its XXXX  and number XXXX. 
2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. XXXX is not the furnisher and the CRAs can assemble the report. Who is reporting this tradeline 4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. sold the house and payoff the mortgage in XXXX XXXX see attached.
Product: Debt collection

I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
Product: Vehicle loan or lease

Well unfortunately I had a XXXX and this un legal got my car towed while I was sick and they had me to put. Down a deposit that never went on the loan lots of lies was told the car wasn't new and use fraudulent things
Product: Debt collection

Comenty Bank continues to call my phone all day seeking to collect a debt on an account that was closed due to identity theft which Ive told them! They call me from XXXX leaving messages and voicemails. I want these calls to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report
Product: Credit reporting or other personal consumer reports

Company : Experian ( https : //usa.experian.com/ ) Experian has for the past several years denied me access to manage my credit report on their website and have not successfully delivered a copy of my credit report to me despite making such a request. Every time XXXX contact customer service, their systems are having errors or they aren't able to pull up my information. 

XX/XX/XXXX : I attempted to create a basic account to access my credit report. Encountered a vague " Oops, we're sorry! '' error page with spinning gears that told me to call support. I call support, and they tell me I have several inactive accounts ( due to my attempts last year to freeze my credit ), and that I do not have credit history and I should get a credit history if I want to create an account. On a subsequent attempt to call support I am redirected to several support people, XXXX of whom starts an escalation with their " top-tier '' department, to investigate why I can't make an account and access my credit report. 

XX/XX/XXXX : Attempt to buy healthcare using XXXX XXXX XXXX XXXX XXXX Illinois. I get redirected to an experian identity check page. I receive the vague error page with the spinning gears that tells me to call support. I call support during business hours and after XXXX mins on the line, the line goes silent and there is no response. I have to hang up due to an appointment. 

Some time in XXXX : I attempt to put a credit freeze on my account and go through the process of creating an account on experian and experience the " Oops, we're sorry! '' error page with the spinning gears. I call customer support and they walk me through creating another account, but they claim their system is having technical difficulties and the " identity verification questions are not loading. '' Therefore we are not able to continue. They ask me to call back again later. I call back again later, and the same thing happens.
Product: Mortgage

Mr Cooper Home Loan servicer for XXXXXXXX XXXX has admitted in writing RESPA error in recent resolution letters to me that in XXXX and XXXX for have not been using my mailing address of recored ( XXXX XXXX XXXX the HOME Loan location ). I have since learned they continue to mail an unauthorized 3rd party-am not receiving answers to my critical " QRW for Infomation '' dated XX/XX/XXXX ( USPS proof of delivery on file ). 
I have responded to them with QRR/Error request for information after receiving shocking reversal of there previous modification policy that they do not offer Modifications that increase a monthly payment amount. After not letting pay for 15 years in pending modification. They do not acknowledge or respond to this XX/XX/XXXX XXXX as of today. ( See Attached ). Additionally, they denied me for modification in writing dated XX/XX/XXXX, but have an active published ( not on hold ), XX/XX/XXXX Foreclosure sale date within 30 day of my invitation to appeal this erred denial for using the wrong " stream- line '' no documentation modification program that i did not apply for -- instand of reviewing my formal mod application & 34 pages income & other, How can you have a sale date before my 30 days to appeal is due.? And How do you have a sale date " active '' during a modification application or pending appeal in violation of Dual Tracking Foreclosure ban laws. 
the sale date of XX/XX/XXXX is active. Even though i received a letter from Mr. Cooper dated XX/XX/XXXX saying it was in hold- but in that same letter also says the sale is an active sales date. I wrote Cooper on this conflict of information in my QRW/Error notice dated XX/XX/XXXX, ( USPS delivery on file ). Please help. I am requested enforcement escalation with your deportment. I have ben in pending modification for 15 years with being required to pay my home loan. This is not right. Cooper has scammed me out of my home equity. HELP!
Product: Mortgage

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX Cell : XXXX Good day, XX/XX/XXXX I reach out to a company XXXX XXXX XXXX ... for a Loan Modification, with a series of question I was approved for the a Homeowners Hardship Program ... it was emailed to me ... in which I filled it out sign and returned with the appropriate paperwork ... I was informed that my payment will reduced and the outstanding balance will be forgiven as long as I paid the 90 day consistently, also they stated that they sent a cease and desist letter to my Mortgage company ... before all of that at one point I was put on hold to reach out to my Mortgage company an individual came with in correct information of my payment history ... once he got off the line, I indicated that the information that given was in correct ... I ask once I've made all three payments installment period is completed successfully, to whom do I continue to make my payments to ... .they couldn't give me a decisive answer ... in that moment would I felt a tad on easy ... however I made my last payment in XX/XX/XXXX... I did inform them that I will be out of town until XX/XX/XXXX. During the time of making my payments I was receiving letters from my Mortgage company I faxed them to XXXX XXXX XXXX ... I inquire why are they still sending me letters, she stated that they'll resend the cease and desist letter again, but I still was receiving them ... so I decided to write my Mortgage company and send them the cease and desist letter myself ... on XX/XX/XXXX I received a letter from my Mortgage company stating the never received anything from XXXX XXXX XXXX XXXX ... this is why I'm reaching out to you.. in my moment of devastation ... what do I do now, how do I retrieve my payments back that I could have paid my mortgage with ... my head is just racing and in this belief ... I called numerous time they refer me to another person one person calls tell me they all call me back they don't call me back when I call a leave a messages nobody calls me back so here we are ... The party 's in play are XXXX XXXX, XXXX XXXX, XXXX XXXX they also email me another name they indicated that is with processing department XXXX XXXX from my mortgage company. There is more but I am Exhausted Best Regards XXXX
Product: Credit reporting or other personal consumer reports

Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed auto loan through TD Auto Finance since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call TD to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to TD credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, TD insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to TD regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Product: Debt collection

On XXXX XXXX I woke up to an email saying that my Paypal account has been limited to suspicious activity on my account via email and text. I proceeded to login to Paypal only to find that I could not because my email and password had been changed. I contacted support and and saw that the account wasn't accessed by me and that the login psw and email was changed. The hacker accessed my account and charged 13 transactions totaling over $ XXXX. The rep opened a dispute for unauthorized transactions for all 13 transactions and recovered my account access. The hacker charged these transactions through Ebay. This is not my ebay account. Despite all the evidence, the initial 13 unauthorized transaction disputes were denied deeming the reason that my account shows this kind of transaction history. I have never charged amounts near these transactions ever. Since then I have contacted cs and to their credit they are always friendly. I enjoy being a member of your platform for many years. The rep decided to change the case reason to Product Never Received. She stated that the merchant Ebay would have to provide proof of delivery which was impossible because the hacker purchased and sent to 4 different addresses for different cities in Tennessee. All of the addresses I have no knowledge of or have ever visited. The delivery was to whoever hacked and purchased it on ebay, not me nor my address on file with PP or Ebay. Fraud either way because it was not me. I lose sleep and wake up each morning with the hope that PP does right by the zero fraud liability but I got so many calls and case reason swap emails that I no longer feel that they know what they are doing anymore. I am an XXXX war Combat XXXX 100 % Permanent and Total veteran and this is elevating my XXXX. I am very credit cautious and as of now my PP balance sits at a whopping XXXX of fraud charges. Now after some reversals the balance is $ XXXX and XXXX collection calls have begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification that my credit score had dropped significantly. I pulled my credit and noticed 2 credit cards that did not belong to me. I filed a dispute with my credit bureaus, and they determined that the credit items belong to me. I have had an amazing credit score all of my life, and these 2 items from Bank of America and XXXX XXXX ARE NOT MINE!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX
Product: Debt collection

Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.
Product: Mortgage

I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims that info was sent to me in regards to amount owed of XXXX, and also claims that proper investigation into this matter was done which is false. My address is incorrect on their documentation. This info on my credit report needs to be removed.
Product: Student loan

I have tried to get confirmation that my account is set to not advance payment date. There is no way to do it on their website, which is frequently broken. I emailed them and got no reply. I sat on hold multiple times. 

Also it's ridiculous that my account shows as past due for several days when I have autopay turned on. This servicer is so much worse than great lakes who held my loans previously. I am unable to get ahold of them for any reason.
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize or create these accounts, nor do I know where they came from. In accordance with USC 1681g, I request their removal within 15 days. Relevant documents are attached for your review.