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

I sent a letter on XX/XX/2023 to remove, accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. 

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

I called City National Bank to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to CNB. I called them multiple times to remedy the situation but have not received any responses.
Product: Bank account or service

Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?
Product: Debt collection

Arc Management Group filed for collections on an account and or service that was not me or mine in the amount of $XXXX. When I found out about it years ago I called them and the credit reporting agencies to have this false debt removed. The credit reporting agencies refused to remove the erroneous debt basically stating that it was my debt till I could prove that it wasn't. Arc Management agreed to remove the inaccurate posting and it came off 2 of the credit reports but remained on XXXX. I contacted XXXX XXXX
Product: Debt collection

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of injuries on my credit report that i did not approve. I placed a credit report on my name a year ago and i was suppose to be contacted if anything was being obtained in my name and I have not been contacted because I have not authorized and i need them removed. Its against the law to obtain a persons information without there permission.
Product: Bank account or service

Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees.
Product: Credit card

Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.
Product: Mortgage

I want to complain about Freedom Mortgage. 
I am a cosigner on my daughter 's mortgage. She had some extenuating circumstances that put her behind on her payments. So I called to make the payment that I received in the mail of the default amount. I gave my routing number and account number. I got a confirmation number and watched my account for it to be drawn. 3 days later it hadn't drawn so I called again and got a runaround that there had been a problem and i was put on hold while they " took care of '' the problem. I was told that it now had just posted. 13 days later it still hadn't posted so I have talked to 3 different agents. Was hung up on by one who didn't want to post my payment to the original date that I made the payment. 
They had told me that my credit union had returned the request. I visited the credit union branch manager today who went through my account and said that there had never been a request for the ACH payment. 
I called my daughter and she told me that they have terrible customer service and that she has gotten a runaround every time she has called them. The comments on " XXXX  '' online are terrible as well. 
The fifth call after 2 weeks I finally got XXXX teller # XXXX who was very helpful and seemed like she has it together. Now I'm just waiting to see if the payment goes through. 

Another interesting thing is that the delinquent amount I got in the letter was a totally different amount than the amount I paid. Seems their letters pad the amount owed.
Product: Mortgage

Gregory Funding has not responded to my complaints with in the 30 days period. Gregory Funding is not paying my property taxes from my monthly mortgage escrow. I will escrow my monthly mortgage payments moving forward and pay the taxes myself until this problem is resolved.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and I am requesting that all the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These accounts and inquiries have been compromised and should no longer appear on my credit file.

Please find below the list of accounts and inquiries that I request be blocked and deleted : Accounts 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 I received a pre-qualification email from BB & T. I followed the link to their website and entered my information. It showed I was pre-qualified for 3 different credit cards. It gave an exact interest rate. I decided to go to the branch in XXXX XXXX XXXX, Texas and apply in person with a banker. I applied with a Banker named XXXX XXXX. I was given an instant approval for a credit line of {$3500.00} and a purchase rate of 19.24 %. I was provided some paperwork. One of the forms from BB & T showed my XXXX Credit Report was pulled that day with a score of XXXX. 
I received the credit card in the mail about 2 weeks later. I activated it and set up the Truist app ( BB & T changed its name to Truist ). I noticed my available credit was {$0.00} and the {$3000.00} balance transfer I submitted was listed as being declined. 
I called customer service and they told me the department I needed was closed. The next day I went back to the XXXX XXXX XXXX branch and spoke with another banker. I gave her the new credit card I received, my drivers license, social security card and my passport card. She was transferred around and finally put the call on speaker phone. A lady on the other end told me, the credit card agreement states that they can close my account for any reason and they are exercising their right to do so! She wouldnt give me a reason. 
The account has been listed on my credit reports as being open, with a {$0.00} balance and a {$3500.00} credit limit. 
I received a letter today that says : Description of Action Taken : XXXX has determined we will no longer maintain this account. I believe they are discriminating against me. I will provide pictures of my documentation below.
Product: Debt collection

I took the loan out in XX/XX/XXXX to help start a 1099 sales position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was sick for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to XXXX XXXX XXXX and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with XXXX and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.
Product: Debt collection

There is nothing on file showing I owe telecheck or XXXX XXXX for any debt. There are refusing to authorize a personsal check for a purchase by giving me an authorizing number. I havent had a problem with this previously especially since its in their system that my account with them is clear. I have not received anything by mail in regards to owing for any checks.
Product: Debt collection

I am extremely dissastified and frustrated with the handling of my recent disputes regarding certain accounts on my credit report. Despite my repeated efforts to seek validation of the debts in question, there has been a glaring lack of information provided by your bureau. The following accounts are causing me immense distress, and I have yet to receive sufficient evidence validating these debts : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX - XXXX XXXX XXXX. I emphasize that I am the victim of identity theft, and it is perplexing and infuriating that your bureau has not complied with the law to ensure accurate reporting and debt validation. The other credit bureaus have responded appropriately to my disputes, leaving me bewildered as to why your bureau persists in this non-compliance. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit card or prepaid card

Amount payed off. I request this account removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Mortgage

Truist has been diificult to work with from the beginning but has become worse and less organized since at least XXXX I fell behind on my payments due to the pandemic and was working on a modification in order to catch up. I kept dealing with issues that were addressed in a previous complaint, but in the process of getting a resolution I decided to sell my home. I informed Truist of my decision both via email on XX/XX/XXXX to XXXX XXXX ( the Client Advocacy Officer who was handling my complaint ) and via phone around the end of XXXX. I never received a response from my email. I accepted a cash offer from XXXX on XX/XX/XXXX. When I called to inform Truist of the pending sale, I was told to call back within 30 days of the closing so I could receive an accurate payoff quote. I asked if any additional information would be needed ; I was told no. The closing date was scheduled for XX/XX/XXXX as I had a tenant who was scheduled to vacate on XX/XX/XXXX. The title company for the sale requested a payoff quote on XX/XX/XXXX ( according to Truist ) and verified that there was a sale pending. My tenant did not vacate as scheduled and The closing date was pushed to XX/XX/XXXX in order to ensure the property was vacant at the time of closing. At no point in time did Truist notify me that additional information was needed and I verified several times that my account reflected that the house was being sold. I was contacted around XX/XX/XXXX by an adjuster sent by Truist to assess the property value and because I didn't know anything about it, I contacted Truist. I was then informed that the home was in active foreclosure, even though the person I spoke with saw notes that confirmed the house was being sold and was under contract. They had no explanation and suggested I contact the lawyer who was assigned the file. The lawyer had very little information to offer other than saying the sale wouldn't be scheduled for another XXXX months. I tried calling several times and the phone systems either hang up when transferring or the person on the line can't provide anything other than basic information. 

Due to Truist being disorganized, non-responsive, and providing little to no information or communication, I am paying additional lawyer fees that diminish the returns on my home investment. I sent another email to XXXX XXXX XXXX XXXX 'd the CEO because although I doubt any real actions will be taken to improve the service, I am frustrated by the lack of professionalism displayed from the bottom up. I will never choose Truist as a servicer for any of my personal or business accounts if I can help it. I thought about opening an account with the proceeds from the sale but seeing how my mortgage has been handled, I will invest elsewhere.
Product: Debt collection

I purchased a vehicle back in XXXX and the finance company that financed me was Global Lending Services. I paid {$5000.00} down for my XXXX XXXX, I also purchase a warranty. 3 weeks after purchase I began to have major mechanical failure. I contacted the warranty company and found out Global lending failed to verify that the dealership did everything they were supposed to on their end including making sure payment was made for the warranty. The warranty added XXXX to my loan. 

I was without a car longer that I should have do to a delay in finalizing the warranty. 
The issues arose because I missed almost a month of work. My payments are up to date. 
My first payment was do XX/XX/XXXX I started receiving calls about 2 weeks after my first payment was due. After I started receiving multiple calls during the day during my work hours I requested a cease and desist. I explained that I just returned to work and it was inappropriate for Global lending services to call me multiple times a day almost everyday. The representative I spoke with I asked her to update my address because my permanent resident is in Florida because that is where Im licensed. I travel for work. My address was never updated and the representative did state she noted my account to not contact me by phone and she said I would receive written correspondence via mail from them. 
A few days later I started back receiving calls. I received calls from multiple numbers for Global Lending Services. On today I answered a call the person didnt say anything when I said hello. Then I received another call. The person said her name was XXXX and she needed to speak to me. I asked her to identify who she was and stop telling me her name is XXXX. She then said she was calling about my vehicle and she was from Global Lending Serviced and I told her that their is no reason anyone should be calling me. My account is paid and I kept repeating cease and desist. I told her that I should not be getting calls and its to the point it is harassment. I ended the call. I also wanted to note that even when I called prior to my date to get help with Global lending doing their party and contacting the warranty company and dealership to see what was going on with my warranty. The first thing a representative would say is am I calling to make a payment. I explained my payment wasnt even due yet. My car payments were reflected in the amount that included my warranty. If I had no warranty then no payment. Also, when I try and make payment on my account via online their is always a error message as if they are trying to force me to call them. So my payment are made by mail and or XXXX XXXX.
Product: Bank account or service

I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX your bank XXXX is reporting to Equifax validated on fraudulent account, but the account was sold to XXXX XXXX, who state remove account from credit reporton CFPB response XXXX has stated to CFPB that Equifax contacts them over 20 times and they verify account that they have no right to.? I want facts that if you state sold to XXXX XXXX why XXXX keeps reporting it to equifax <Equifax and XXXX XXXX this is for you You validate that account is mine even theo it is not owned by XXXX SHOW EVIDENCE THAT THEY HAVE A RIGHT TO REPORT ON AN ACCOUNT THAT XXXX DOES NOT OWN AND YOU EQUIFAX KEEP REPORTING THIS IS FRAUD REMOVE ACCOUNT OR SHOW YOU OWN IT
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that EQUIFAX AND XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance : {$0.00} ; XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inaccurate information present on my credit report following my recent experience as a victim of human trafficking. I have identified several accounts and/or items on my credit report that are incorrect and were not authorized by me. 
I respectfully request the immediate removal or correction of the following accounts and/or information : 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