23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Product: Debt collection

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Product: Debt collection

Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit
Product: Credit reporting

XXXX is on my Transunion report unauthorized use of name and account unknown I want verification of debt and I want original proof provided
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District courXXXX which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to my mortgage company regarding fraud contract such as XXXX XXXX  not contracting venue and 18usc 1341 and 1342 and now my credit is impared. The mortgage is not even in my correct name. For the voidance of perjury, i require correct XXXX XXXX sentence structure. I have all documents. I have contacted the XXXX XXXX XXXX XXXX as well.
Product: Mortgage

I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that XXXX XXXX  would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX ( the collection agency they sold the debt to ). So I filed a dispute with Experian, the status of my account went from " delinquent '' to " late 120 days ''. I called Experian and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year> and I saw some hard inquiries that did not have permissible purpose. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 1 ) XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX OF XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5 ) XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

I opened 2 business accounts in XX/XX/XXXX at SunTrust. While in the process of transferring money from my previous bank, I tried to access my account online but was unable to. I contacted XXXX XXXX, Branch Manager in person, and he pulled up my account and stated that my account had been CLOSED but could not provide a reason. He told me that I should not attempt to try any transactions for the next 5 days. Which I did. He stated that then after 10 days the bank would send me a check to close each account. The dollar amounts are in excess of {$46000.00} in my combined accounts. 

I have communicated with XXXX weekly and still not get any relief. I attempted to contact XXXX once again on XX/XX/XXXX. He was unavailable and off property. He left me a voice mail providing me with the fraud departments phone number which I called on XX/XX/XXXX only to be told the number was an inhouse number and they could not help me. I was then transferred to the personal banking center, which they stated they could not help me either. I was then transferred to the small business center. 

I told the phone clerk about the situation and provided all account information. She stated that she could not help me but would contact a person in the appropriate department that could. I said great I will wait to be connected. She then stated that I was not allowed to speak to them!!!!!!! 

She eventually came back online and told me that the account was not closed but under review for referral, but I could not transact any business. So, I said in other words it is closed. She said n. I said then I want to close the account at a local bank. She said she did not know if that was possible! 

I went back to my bank only to be told that XXXX was off property once again in a managers meeting. I said where is it perhaps they could help me. She stated that she would not tell me. I then went to another bank location, you guessed it in a Managers meeting. 

I believe SunTrust is attempting to fraud me from my money. They have been totally uncooperative, uncaring and have stalled over and over. They have not been forthcoming having never officially notifying me the status of my account. Is it closed or not? 

The lady on the phone did inform me that I was being sent a check for {$200.00}. This bank needs to be investigated ; can someone tell me how to proceed to recapture my money which has been stolen from me. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and needs to remove from reporting : XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information XX/XX/2022 by sending off a letter to Equifax, XXXX and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and XXXX and Equifax are not reporting open and closed accounts reported on XXXX. Equifax has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.SXXXX Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, Equifax and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Product: Credit reporting or other personal consumer reports

Even though Ive tried countless times to get the fraudulent, inaccurate, and misleading info removed from my consumer report, the issue still isnt fixed. These items have seriously turned my life upside down, bringing a whole lot of stress and anxiety. I really need to stress again that I didnt authorize or agree to have this info linked to my name, as Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint- SLANDER OF CERTIFICATE TITLE No 804-396 Recorded with Hawaii Bereau of Conveyance by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2014 MERS ELECTRONIC REGISTRATION SYSTEM INC AS NOMINEE FOR XXXX XXXX XXXX the owner and holder of the Mortgage acknowledged the mortgage satisfaction and release of lien of my indebtedness. 

XXXX MERS Recorded the release as Doc No XXXX XXXX XXXX for Cert title # XXXX. 

XX/XX/2014 - XXXX XXXX recorded its Release as Doc No XXXX XXXX for Cert title XXXX. Four years later XXXX The same XXXX recorded a LP. LIS PENDENS against my property. as Doc No XXXX XXXX Attached are copies from XXXX XXXX XXXX now Recorded with Hawaii Bereau of Conveyance. 
I'd like to know if this is normal legal practice for a bank to file a lawsuit that it never intended to persue just so it can Cloud my title with this LP and more so after itself recorded a Released over a period of years back. 
This is davestated, and I truly want to know what is the LP for.
Product: Mortgage

I have been attempting to modify my home loan for 1 year and I have been unsuccessful. I need assistance with the options I have to assist me so that I won't lose my home.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you regarding account number XXXX  from XXXX XXXX I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017. 

If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

Thank you.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS, LLC XXXX XXXX XXXX XXXX, AL XXXX This company is trying collect a debt that I do not owe. The have not provided me with a debt validation letter. They can not prove this debt belongs to me. THEY ARE NOT LICENSED TO COLLECT IN MY State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign any agreement that SANTANDER could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )
Product: Debt collection

A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 On Wednesday XX/XX/2022 I XXXX XXXX XXXX received a phone call from a gentleman stating he was from Bank of America Fraud dept. First call was at XXXX from phone number XXXX, guy stated his name was XXXX XXXX XXXX He proceeded to keep calling back at XXXX and told me he wanted to check my acct and said to send over {$3500.00} through XXXX . I stated I have never in XXXX  yrs of having an account with Bank of America ever signed up for XXXX, my wife ( XXXX XXXX XXXX pays all the bills and this is a joint acct. XXXX then stated he would walk me through how to set XXXX up so they could do the test and would send the money right back to my acct. Once the money was transferred he stated that give it a few minutes and Bank of America will transfer back. Which never happened. On the bank statement if states XXXX XXXX confirmation # XXXX got the transfer. 
XXXX XXXX also stated to me that they noticed that there was a withdraw from a XXXX XXXX for {$1100.00}, XXXX XXXX told me dont worry we will get your money back. XXXX stated that he ( XXXX XXXX ) would call me at XXXX and to go to XXXX and he would walk me through of what needed to be said to Customer Service and would get my money back. He did not call so my wife XXXX XXXX XXXX called the fraud dept and they transferred to XXXX fraud dept and put in a claim for the fraud. As I was on the phone with a lady from XXXX fraud, XXXX XXXX called my number back at XXXX and wife answered and stated I was not available, he then called back at XXXX and XXXX from a different number XXXX. 
I gave the information to the XXXX fraud dept while I was on the phone with the lady from the bank and they would put in a fraud claim. 
My wife called the bank back several times after we got a letter dated XX/XX/2022 with claim # XXXX in the amount of {$3500.00} that they were unable to approve this claim. My wife XXXX XXXX XXXX tried to call back several times and they denied us the money back. XXXX had spoken to XXXX from XXXX fraud and told us to file a police report and check out IC3.gov-file a report. 
I did receive the {$1100.00} back from Bank but not {$3500.00}. We did file a police report with XXXX Police Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late payments on XXXX XXXX
Product: Vehicle loan or lease

I got behind on my car payments due to be laid off work during Covid, I filed chapter XXXX so I could keep my car because they were threatening to come and get it but work was still slow and my XXXX was XXXX XXXX  XXXX XXXX so I had a XXXX XXXX issue I was dealing with got behind on my chapter XXXX payments so the court dismissed my case and I called CNAC to n mom she arrangements on my payment but they would only only agreed to giving me a week to come up with XXXX fir the 1st week and 150 each additional XXXX XXXX XXXX of course I couldnt come up with the XXXX so they put my vehicle up for repo and continuously call my phone 10-15 times a day sometimes back to back, its non stop from XXXX right on the dot to XXXX XXXX. can something be done about this? I Feel like its harassment what youre doing to me they call using different numbers after they just called from credit acceptance, it happens every single time
Product: Checking or savings account

Responded to a Citizens Bank direct mail campaign to open new checking/savings accounts and funded such with a total of $ XXXX at the time of online opening ( XXXX ). Citizens immediately transferred the funds out my existing account ( XXXX ) at another bank and immediately proceeded to close the new account ( XXXX ). Thereafter, Citizens has consumed many hours of my time in going into a local branch, via telephone, via email, and via written correspondence, all the while indicating that they do not wish to do business with me, unwilling or unable to provide any further reason, yet after over 3 weeks, also without return of my funds. I wrote to their CEO, General Counsel, and Head of Consumer Banking indicating that their marketing and banking practices, intended or otherwise, deceived and defrauded me, a consumer, of a significant sum of funds that they have been entirely unable or unwilling to return. A representative of the bank and I have spoken twice now. The first call ( XXXX ), the representative asked me for written proof that the funds were withdrawn from my sourcing bank account. I indicated that they did not need proof as they have the funds. During the second call ( XXXX ), the representative said I have 1 of 3 options, all taking immense more time to adjudicate. I told her that all I wanted was funds returned to my original account immediately, which is what multiple Citizens representative ( via phone and a local Branch Manager ) said would happen ( since funds were withdrawn via ACH, they would be returned promptly via ACH to the same account/institution ). However, as of writing ( XXXX ), I remain short said funds. I request your help to ( 1 ) secure a return of funds and ( 2 ) evaluate and take punitive action for defrauding customers, stealing money, bait-and-switch practices, discrimination ( do not wish to do business with you without further explanation, absolute disregard for customer time, communicating conflicting and misleading information, dodging responsibility ( asked me to take issue up with source bank! ), and lots of other colorful accusations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

Transunion : 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