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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Credit reporting or other personal consumer reports

It has been 7 years and this record has been on my XXXX and XXXX. Transunion deleted once I went to the court house and notified them the courthouse did not report this information. 

This information has been requested to deleted from XXXX XXXX.
Product: Checking or savings account

Purchased Certificate of Deposit from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX was merged with XXXX XXXX  on XX/XX/XXXX. At the time I made contact with the bank and was told my certificate was safe with them. XXXX  was acquired by Huntington National Bank in XXXX. I contacted them and they confirmed the certificate was still valid. About 5 years ago I contacted the bank to cash my certificate and they refused to honor it. They told me they had no record of it. I have the certificate and have not been able to cash it. I am trying to clear credit card debts and other obligations. I have exhausted all options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported XXXX Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I previously filed a complaint against BSI Financial XX/XX/XXXX as I was not getting any monthly mortgage statements. My mortgage was transferred from XXXX XXXX to BSI Financial XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX and modified my mortgage XX/XX/XXXX. BSI acknowledged the error but never started sending statements to me. I received a letter from BSI 's attorney claiming I was 5 months late in my payments on XX/XX/XXXX. I have made my monthly payment of {$1200.00} every month since XX/XX/XXXX. The letter from the attorney stated my monthly payment had changed 5 times from XX/XX/XXXX to XX/XX/XXXX. Having not received my monthly statements I was unaware of the monthly payment changes. My loan is a fixed rate and fixed term so principal and interest will never change. The amount applied to escrow would be more than sufficient to cover my home owner insurance and real estate taxes. I was initally told that BSI Financial had no obligation to send me statements because of my bankruptcy status. My attorney forwarded an authorization to send me statements and a copy of Order Permitting Secured Creditors in Individual Cases Under The Bankruptcy Code To Provide Debtors With Monthly Statements, Payment Coupons and Related Notices Without Violating The Automatic Stay. After further investigation I was made aware that BSI Financial was purchasing Lender Placed Insurance even though I faxed my declaration page to them annually. BSI Financial also increased my covergage from {$220000.00} to {$340000.00} without my authorization or knowledge. My loan balance is approximately {$220000.00} and my home value is {$190000.00}. The cost of the lender placed insurance was almost {$1700.00} per year more expensive than my homeowner policy. This created a severe shortgage in my escrow which in turn created the increases in my monthly payments. BSI Financial continued to cash my mortgage checks and applied the payment as a partial payment. Without monthly statements I mailed a check and handwrote my account number, name and property address on a blank piece of paper. Over the 2 year period from XX/XX/XXXX to XX/XX/XXXX the my monthly payments according to their attorney created a 5 month delinquency. I through my bankruptcy attorney have been trying to get this issue resolved but BSI has not moved on it. I wanted to make a complaint against them through CFPB so I have it on record. In my opinion I feel BSI Financial has several legal and ethical violations. I am aware through RESPA that financial institutions are obligated to inform borrowers of any changes to monthly payments due to escrow overages or shortages. It is my intention to remain in my home but BSI would need to make credits back to my escrow for the egregious purchases of lender placed insurance. Having seen through CFPB that BSI Financial has other complaints similar to mine, I am considering consulting another attorney in conjunction with my bankruptcy attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I visited XXXX XXXX, d/b/a Speedy Cash at XXXX XXXX XXXX XXXX, XXXX, AL XXXX to apply for a loan. After being given information about the entire application process, I was told that part of the application would consist of a " soft pull '' of credit information. I inquired about this again, with the staff, to be sure that when they stated " soft pull '' that it would be just that. I was under the impression that they would use XXXX or some other source that is common throughout the payday loan industry. I was ultimately denied for the loan, which is okay, because I was able to receive help with my financing needs elsewhere. Between the time of this complaint and my application being submitted with them, I reviewed my credit report and was made aware of a " hard pull '' on my XXXX credit report from XXXX XXXX dated for the same date that I applied in person at Speedy Cash. The employees at this location assured me on more than one occasion that it would not be a credit pull that would result in an inquiry on any of the 3 major credit reporting agencies. The staff, in my opinion, did not make the proper TILA disclosures that led me to apply for a loan, that if I was given accurate information, I would have gone straight to the loan company that I ultimately received my loan from. I knew that with this other loan company, a hard inquiry would be necessary and that my loan would be reported to the credit bureaus. I chose to apply with Speedy Cash due to their proximity to my work location and from having an acquaintanceship with one of their employees ( not the employee that assisted me with my application process ). I feel that I was coerced into applying for a loan that I would not have continued the application process if the staff at this location had followed the requirements of the Truth in Lending Act. Their deceitful presentation of their application process and what it all consists of, may lead more people to inadvertently apply for a loan with the understanding that an inquiry would not be placed on their credit report. I certainly would not have finished the application process if the staff did not lie about the fact that I would end up with a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX Experian and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

The document the company provided is a document when I opened a bank account at another lending institution from when I was XXXX XXXX XXXX XXXX  The document looks fraud.
Product: Credit reporting or other personal consumer reports

The company XXXX  XXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a 72-month loan but was extended to 76 months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Mortgage

Spoke with SPS to receive mortgage modification for my 2nd mortgage modification was approved according to the conversation with customer service. I was told I would receive documents to sign and I would be sent documents overnight. Never received documents spoke with customer service and relationship manage gave bank information for them to draft the payment out of my account, they never took payment out of my account now my home is set for a foreclosure sale, I have done everything my mortgage servicer asked me to do during this modification process, please assist me. Sent request XX/XX/2024 to SPS and foreclosure attorney to validate debt, requested Note, Deed and all documents associated with this loan. It my research Tennessee Law says foreclosure sale is to be canceled until debt is validated upon request from me the homeowner. Documents are to be received by me. I did not receive Excelleration of debt notice from the mortgage servicer XXXX XXXX XXXX XXXX the foreclosure attorney. Resubmitted request for mortgage assistance again emailed documents to SPS. I am XXXX and dont want to lose my house to foreclosure. SPS has been difficult to work with, they are unwilling to assist me.
Product: Credit reporting or other personal consumer reports

Dept  of education was deleted off my credit XXXX. 
Then all of sudden it re appeared back on my credit? My credit was very healthy untill they keep reporting this.. Im trying to see how the deleted it for it to re appear on my credit im confused
Product: Credit reporting or other personal consumer reports

15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or XXXX  The information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. 
Furthermore, I would like to draw your attention to the image above for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXwhich highlights additional areas of concern that need to be addressed.
Product: Bank account or service

I was on the phone with Bank of America customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was reviewing my Equifax credit report and there were 3 old accounts listed that should not be on there. Under the Fair Credit Reporting Act, old accounts can not be on your credit report after 7 years. Two XXXX XXXX  accounts are over 10 years old and the XXXX XXXX account is over 20 years old. These same 3 accounts are not the listed on XXXX or XXXX. 
The information on the XXXX XXXX  accounts and the XXXX XXXX  account are incorrect. These 3 accounts were paid off as part of a debt repayment program called XXXX XXXX XXXX XXXX XXXX. Attached is payoff information sent to me from XXXX XXXX XXXX along with my XX/XX/XXXX XXXX credit report that shows incorrect information as well. 
You can also reference reference prior reports to CFPB for more information. Report number XXXX on XX/XX/XXXX regarding Equifax and report number. 
XXXX on XX/XX/XXXX regarding XXXX XXXX  can also provide more information and detailed back up on this issue. 
It is against the law to not only provide incorrect information on credit reports, it is also against the law to post old accounts for 10 to 20 years on a credit report. This information is affecting my credit negatively and prevents me from getting credit cards and other things that are based on your credit score. It appears that Equifax is deliberately trying to intentionally do this considering these 3 accounts were part of a debt repayment program and they are not listed on any other credit reports.
Product: Checking or savings account

On Monday, XX/XX/XXXX around XXXX XXXX  I went into wafd bank off XXXX and XXXX XXXX to withdraw some cash from my checking account. The unwelcoming energy and attitude from the two employees working the bank that afternoon was completely unprofessional. The lady laughed when I requested {$10000.00} from my ( {$12000.00} ) account. I decided on a lesser amount but she told me the most she could give me was {$1000.00}. That was ALL the cash they had and that they were completely wiped out because of the busy holiday weekend. Oddly she had XXXX crisp XXXX dollar bills for the remaining cash in store to give me. She told me she couldnt get me cash until Tuesday XX/XX/XXXX, EIGHT days laterand that they would call me to set up a time for me to come pick it up. How do I know someone wouldnt know that info and follow me? I did get the {$1000.00} cash and a {$3000.00} cashiers check that day. I later received a unrequested XXXX XXXX delivery to my house with the remaining funds in my account on a cashiers check, along with a force closure notice, which was due to inappropriate use. I also received another letter in the mail stating they reported my account misuse to XXXX  due to transaction history.
Product: Credit reporting

I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?
Product: Credit card

I ordered shades from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , CA. I provide d my  Chase  credit card info for half payment. The shades do not fit as promised and are defective. Without authorization   XXXX   XXXX   XXXX   made a second charge for the balance on the contract despite the defective products and installation. Thus, I disputed both the initial  Chase credit card charge ( as defective ) and the second Chase credit card charge ( as unauthorized ). Despite numerous calls and  emails with Ho use of   Blinds, the matter is still not resolved. Despite my secure emails and calls to Chase, Chase " rebilled '' the  second charge because " it was  not a duplicate '' ( a mischar acterization of the dispu te ). Chase makes it e xceedingly difficult to dispute unauthorized charges and to dispute defective product/services. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block and permanently delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts appearing on my consumer XXXX Credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX bal {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} Inquiries : XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX, my new key bank express account balance became {$0.00} being withdrawn by bank. I opened this account to get {$200.00} promotional offer if t terms had been met. It says that to deposit 500 or more within the next 60 days to get XXXX. It turned out that it was misleading to begin with. Several bankers said that correct one would be it requires one time automatic payroll deposit of 500. In this case it is discriminatory to someone who get paid every week. it happened the same thing before. My account got abruptly cancelled without any explanation on XXXX this year after 1 week.Bank said i was not qualified for the account because i owed the money. But this is controversial. The bank did after 16 months of original date of the incident where it claimed to deposit to my account by accident for 3 months until the bank pulled all the money from my accounts when i thought the money was given as some type of settlement for the disputed unemployment insurance benefit. The money also got deposited the next day since i got a sudden phone call from banker asking me if i were interested in opening another account with just {$10.00} opening deposit. After money is withdrawn from the account that is not involved with its money deposit, it left about {$350.00} negative balance and accounts got closed by bank. It has been more than 16 months now. it suddenly freezed my accounts and withdrew money without my consent from the account that it said later i was not qualified for and closed the account again.