23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had a loan with BB & T, now Truist, for many years. Because of their inaccessibility -- it often takes more than one hour on hold to speak with someone -- my partners and I added automatic payment to our account in XXXX, 2022. We have two mortgage accounts, both with the same account number, but with different suffixes known as note numbers in their parlance. Both accounts were set up for ACH at the same time, and both were to draft from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Truist input an incorrect account number for one of the loans, and the correct account number for the other. These accounts are confused on the website -- the account with the wrong loan number appears to be paid on time, the other appears to be late because the payment was returned by the XXXX XXXX XXXX bank because of the incorrect loan number. After about 2 hours of painful discourse on hold and on the phone with a ( lovely ) customer service rep, I gave up and said just take the payment manually. She did. But then, mysteriously, the other payment was reversed. To add insult to injury, there are late fees on both accounts. And the customer service rep was unable to correct the incorrect account numbers because she could not " validate '' me via text, even though the previous customer service rep was abler to do exactly that with the same cell phone number I always use. I was then forced to spend additional time re-setting up ACH with faxed paperwork ( so archaic and not at all practical ) and have had no indication that it has worked ( still showing delinquent ). I am not able to make the changes on the website because the bank is still showing one account as delinquent, they refuse to fix it because they can't text me, and I don't have endless hours to sit on hold.
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.

List of Unauthorized Inquiries : XXXX - XXXX XXXX AUTO - XXXX FEBDESTINY - XXXX CB INDIGO - XXXX FOURSIGHT CA - XXXX AMERICAN EXP - XXXX ALLY FINANCI - XXXX CAPITAL XXXX - XXXX CREDITONEBK - XXXX COAF - XXXX KIAMOTORS - XXXX CLASSICKCA - XXXX CAPITALONE - XXXX FCCTBOM - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX ALLYFINANC - XXXX GLOBALLEND - XXXX XXXX - XXXX XXXX AUTO - XXXX HYUNDAIMOT - XXXX XXXX - XXXX ALLY FINANCIAL - XXXX XXXX BANK - XXXX CAPITAL XXXX AUTO FIN - XXXX XXXX XXXX XXXX - XXXX CAP XXXX NA - XXXX GLOBAL LENDING SERVICE - XXXX XXXX XXXX XXXX - XXXX ALLY FINANCIAL - XXXX 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: Checking or savings account

My US Bank account was disabled XX/XX/21 due to bouncing a check ( {$7900.00} ). I was transferring money between my HELOC and US bank. {$7900.00} was not available in the HELOC account. This caused the account to overdraft. I immediately became aware of this and wrote another check for {$7500.00}, bringing the account to positive ~ {$4000.00}. the customer support line directs me to the branch that placed the hold. I have called the branch over and over again, left messages for XXXX XXXX to call me back. I spoke with him once without a resolution, at that time i demanded the account be closed and the balance sent to me immediately. I have called his boss XXXX XXXX and left several voicemails without response.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiry, which is a clear violation of my consumer rights. 
I have disputed this inquiry ( XXXX XXXXXXXX ) with TransUnion, providing evidence and documentation to support my claim that I did not authorize this inquiry and that it is inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Lack of Response from Experian Credit Bureau Regarding Section 609 Dispute.

I am writing to express my concern regarding the lack of response I have received from Experian regarding a dispute I filed under the provisions of Section 60XXXX of the FCRA. On XX/XX/year>, I submitted a formal dispute letter to Experian. Exercising my rights under Section 609, this Section stipulates that the credit reporting agencies must provide verification of the accuracy of the information they report within 30 days of receiving dispute. However, despite the 39 days since my initial submission, I have not received anything from Experian regarding the status of my dispute. Giving the significance of Section 609 in protecting consumer rights and ensuring accurate credit reporting, I find this lack of response deeply concerning. It is imperative that Experian fulfill their obligations under the law by promptly responding to disputes in a timely manner. Experian did not provide me with a updated status of my dispute and ensuring the necessary steps to conduct a thorough investigation into the disputed accounts. Experian 's failure to address this matter promptly not only undermines the integrity of the credit reporting system, but also violates the provisions set forth in Section 609 of the FCRA. I have requested a detailed description of the investigation process many times by Experian regarding the disputed accounts on my credit report. Pursuant to the FCRA, Section 15 USC 1681i ( 7 ). Under Section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a detailed description of the investigation process within 15 days of receiving a consumer dispute. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Regarding Accounts Opened Due to XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding several unauthorized accounts that were opened in my name as a result of a data breach. I have already reported this issue to the Federal Trade Commission ( FTC ) and would like to ensure that my situation is also addressed by your office. 

Details of the Complaint : I learned that my personal information was compromised due to a data breach involving XXXX and other business entities. As a result of this breach, several fraudulent accounts were opened in my name. 

FTC Report : I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter. The report was submitted on XX/XX/XXXX and is documented under the FTC Complaint Numbers : XXXX AND XXXX Details of Unauthorized Accounts/Records : Account Name/Number XXXX : bank of XXXX Acct XXXX XXXX Account Name/Number XXXX : world XXXX XXXX or XXXX XXXX XXXX Acct XXXX XXXX Account Name/Number XXXX : XXXX Acct # XXXX Account Name/Number XXXX : XXXX XXXX XXXX ( I have attached a copy of the " alleged statement '' from the original creditor that this collection agency provided me but I have never even lived at this address ) Account Name/Number XXXX : XXXX bank Acct # XXXX Account Name/Number XXXX : XXXX XXXX XXXX Bank Acct # XXXX Account Name/Number XXXX : Capital XXXX # XXXX Account Name/Number XXXX : XXXX XXXX XXXX XXXX Account Name/Number XXXX : XXXX  & XXXX XXXX XXXX # XXXX Account Name/Number XXXX : XXXX XXXX # XXXX Account Record/Number XXXX : Type - Chapter XXXX Bankruptcy Reference # XXXX Date Filed XX/XX/XXXX Actions Taken : I have taken the following steps to resolve this XXXX XXXX Contacted the affected creditors to dispute the fraudulent accounts. 
Requested a credit freeze with XXXX, XXXX and TransUnion. 

Requested Resolution>>> I respectfully request that the CFPB assist me in : Ensuring they are REMOVED from my credit reports IMMEDIATELY as they are negatively affecting my credit profile and causing me to be denied credit. 

I have attached copies of relevant documents, including my FTC report, and correspondence with the affected creditors/bureaus. 

>>I have tried NUMEROUS times to have Transunion PROPERLY investigate these accounts but they keep saying that they are verified which can't be true. I have also requested detailed summaries of their methods of verification which they refuse to provide me as well.<< Please let me know if you require any additional information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Friday, XX/XX/2023, at XXXX XXXX  first call. Several calls to me after - harassment. 

I received my first call as an urgent voicemail from XXXX, she said she was with Professional Credit Services, phone number XXXX. 

When I called them back a different lady answered my call and would not transfer to this XXXX. 

She said that they are collecting on an urgent debt and will be taking action and reporting to credit agencies if I don't pay now. Stupidly I gave her my birthdate and thought omg why did I do that, she asked me for my address and I told her I would not give that to her. She was mad. I know better than to give someone my birthday but she got me really upset. 

The debt she was with a XXXX XXXX. I told her clearly ' " I never had an account with them in my life and that she committed fraud and I was recording the conversation, which I did record and I have it on my phone if you want it. 

Again, I have no debts at all. Also, I filed XXXX XXXX during covid but this company was never listed because again I never had an account with XXXX XXXX  or whatever she was calling it. 

Please advise what to do and what you can do with this information, I am worried they are calling many people and they are all frauds. When I asked her my email they said a XXXX, (? ) I said that is wrong I gave them my email and said send to this to me in writing. I have not seen anything yet. 

Thank you so much.
Product: Mortgage

Since XX/XX/XXXX after filing for Chapter XXXX Bankruptcy after my business failed in XXXX XXXX XXXX was providing XXXX, I have attempted to refinance, or aplly for a better mortgage rate from Chase Home finance on my primary address. They have refused stating that I can afford to pay my mortgage based on my gross income disregarding the fact that my present mortgage interest rate is 8.83 %. They have refused me over and over again because they say my credit report has red flag, and my gross income does not qualify me for an adjusted mortgage. The only solution they have offered is skipping a month of mortgage payments which is ridiculous because my income they are using is not based on my occupation but on my tax returns which are filed jointly with my wife who is not on the mortgage nor does she contribute to it. The most recent denial occurred on XX/XX/XXXX. I 'm requesting that Chase immediately lower my mortgage rate and should reimburse me {$30000.00} for financial damages since XX/XX/XXXX.
Product: Debt collection

I sent 2 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX accounts opened in my name at XXXX XXXX secured card company. I did not open XXXX accounts. XXXX is fraudulent, I believe employee theft. That card is on my credit report stopped approval from XXXX mortgage companies stating that XXXX XXXX account was why denial. Lost XXXX dollars on unclosed real estate deal been arguing with XXXX XXXX since XX/XX/XXXX. I sent in XXXX dollars on debit card and never received credit for it. I have receipt. I believe money sent to another account fraudulently. Need XXXX XXXX removed from my credit report now! They failed to post payments to my account with time frame promised in contract making me look like payments are late. No accounting for when payment became available.
Product: Credit card or prepaid card

Kohl 's read my complaint!!!! 

Purchases in XXXX!!!! 

Please provide the XXXX and XXXX statement!! 

I had to rebut the XXXX XXXX  of suits!!!! 
Please provide all of my orders with you for XXXX, XXXX and XXXX. 
Also the statements for the same days. 

The suite NEVER ARRIVED. I REORDERED AND REPAID!!! 

YOUR COMPLAINT I called immediately to notify them that only 1 items the {$49.00} had arrived. I had to place an order for another suit immediately. I was son the phone for hours. The credit for the 2 suits of, {$99.00} was never applied. It's been 3 months. Order # : XXXX Placed : Thursday, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Multi Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Suit XXXX, Blue Quantity : XXXX SKU # XXXX Item total : {$49.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dot Print Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Product: Money transfer, virtual currency, or money service

This complaint is filed in conjunction with the complaint I filed yesterday. ( Complaint Number XXXX ) Upon you contacting PayPal, the money was magically restored to my account. Unfortunately, PayPal thought they would retaliate and deducted {$490.00} unauthorized from my account. I called my bank immediately to stop the illegal transfer. Unfortunately, the bank has paid the transfer to PayPal already. We lodged a fraud complaint with our bank against PayPal. 

Obviously our bank contacted PayPal about the fraud and PayPal send me a text at XXXX last night stating that they reviewed are complaint and have determined it is a fair charge. I have absolutely no idea what was purchased for the {$490.00} or how PayPal was able to determine, without ever contacting me to discuss it, that this is a fair charge. 

I want PayPal stopped. I want them to drop my account, for which they refused when I tried to close it down. I want them to stop putting fraudulent charges on my debit card. Their actions have resulted in me having to destroy all debit cards connected to the account and I now have to go to the Bank to close down my account after 12 years and open a new one.
Product: Debt collection

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting

Friendly foot care submitted payment to the wrong insurance and XXXX XXXX of payment crossed in dates that were during a chsngebin insurance company 's and coverage. The date of services I was on indiana XXXX. I got married and then changed my insurance to my husband 's. They billed the new insurance then we 're denied because no coverage for the date of service. XXXX was bill led for this and denied due to the dates billed for services. Th I bill should not have happened I had insurance through XXXXvwhen this service was provided. I did try to explain to XXXX and the collections that this was not my responsibility but they continued to collections.
Product: Debt collection

I have no knowledge or dealing or ever signing any contract and agreement with MIDLAND CREDIT MANAGEMENT who flagged my CRA account as Collections on XX/XX/XXXX 
Source : XXXX XXXX : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$5900.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 and will have to work with the MILITARY SUPPORT DEPARTMENT of XXXX, where you have no jurisdiction as a third-party vendor to flag my CRA accounts XXXX I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212.
Product: Credit reporting or other personal consumer reports

For the attention of whom it may concern, I am writing to dispute hard inquiries that appear on my credit report without my authorization. Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit consent should remain on my record. 

The following inquiries should be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Both directions ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request their prompt removal to accurately reflect my credit history. I appreciate your attention and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of XXXX  XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from Experian. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing is not reporting correct information to the credit agencies. SPS is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with SPS on a recorded line in XXXX  they advised that it would begin to report correctly. SPS has since not updated my information with any of the credit agencies. I spoke with SPS on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX reorganization and they should be reporting accurate information. SPS reported my account as closed and past due inXX/XX/2018. At that time it was the plan of SPS to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for SPS to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on SPS because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not respond to a dispute I sent them on XX/XX/2020. 
I disputed this account under the name of XXXX XXXX XXXX. They do not list an account number on the credit report for me to provide it to them or you. 

Today XX/XX/2020, I was able to obtain my Equifax report online and I see that they did not bother to investigate the account I disputed above. I know this because there are no remarks under that account on the new report to indicate that they investigated it. The account is not reported as disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS FAILED TO REMOCE THIS XXXX ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$120.00} XXXX  XXXX {$750.00} XXXX   XXXX {$300.00}