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

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires
Product: Credit reporting or other personal consumer reports

I had been looking at used cars on the XXXX XXXX  on XX/XX/year>. I had sent a message to the XXXX  post about a used car and was told information about it and asked about where I could see it and then I was told it was a car dealership I had denied wanting any further service as I was not looking to use a dealership. I made this well known and then left a message. Then I received calls from an auto-simple but it would only ring one or two times and just hang up. Then I received a flyer in the mail on XXXX from XXXX stating my personal credit information. I reached out to the store on XXXX XXXX. here in XXXX, TN. I spoke to XXXX XXXX the manager of the store about the flyer he asked that I email him a picture of the flyer which I did and he said it was something they send out to all neighborhoods. However, upon checking my credit I noticed a hard inquiry from XXXX XXXX on XX/XX/year> without my permission this manager lied to me and sent me an email saying something about an IP address and now says someone at my address gave the information but is refusing to show me proof that I requested my credit be pulled. He hangs up on me when I call or try to inquire about why I have a hard inquiry on my credit that I did not approve. He lied about the flyer as I went to my community meeting and neighbors to make sure if anyone else got a flyer and no one got one. This company pulled my info without my permission and I did not give them any information but my name on XXXX. I have not requested their services and when I called the same manager I told I was recording the conversation and he kept hanging up. he refuses to show any consent to my info being used or how it was obtained.
Product: Credit reporting

I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}.
Product: Credit card or prepaid card

PAYPAL FALSELY ADVERTISES 2 % CASHBACK REWARD ON POSTED TRANSACTIONS BUT THEY'RE NOT HONORING IN WHAT THEY ADVERTISE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with PHOENIX FINANCIAL SERV that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.
Product: Checking or savings account

XX/XX/2021, opened a checking account at the XXXX XXXX XXXX, FL branch with a check made out to me on another SunTrust bank account in the amount of {$25000.00}. I withdrew cash from this account as I was not immediately given a debit card. I withdrew money 2 more times and paid some bills. 

While on vacation, XX/XX/2021 still without a debit card, attempted to make a withdrawal and was advised at the branch in XXXX, GA that I couldn't make any withdrawals, the teller couldn't tell me why, just to call customer service. 

Within the hour, I called the customer service number I was given and was told my account was " in the process '' of being closed. I still wasn't given an explanation as to why. I asked for a supervisor, who also told me the same, just that my account is under investigation. I of course, became furious. I continued to call each day to try to get any information. Still, nothing. 

I went directly to the branch I opened the account and spoke with the branch manager, XXXX ( don't recall last name ) who was very friendly, called her know department and was given the same information. She also advised this was unacceptable. 

Upon my calling daily, I was then connected with a " client advocate '' XXXX XXXX. He also could give no explanation, as with everyone else he said it's under investigation with the " back office ''. 

I again advised of the hardship this is putting me and my family through. I had lost my job due to Covid and my unemployment compensation had ceased. This is all I have to pay bills, put food on the table and other day-to-day necessities. 

This has been of no concern to SunTrust or any person I have spoken with in the SunTrust company, except the local branch manager, XXXX. She even brought me a cake and flowers on XX/XX/2021, as that was my Birthday. 

I was told on XX/XX/2021 that my money was being mailed to me. I couldn't be told HOW this {$23000.00} ( estimated ) was being sent. US Mail? Certified mail? XXXX XXXX? No one knows. 

I find this and every action to be very irresponsible from a Financial Institution as SunTrust is. How no one can tell me where this large sum of being can be located??? Was it simply dropped in the mail by a mailroom clerk? 

I have taken to Social Media and soon discovered that I am not the first or only customer to experience this from SunTrust.

Again, completely irresponsible and unprofessional.

I am and will continue to tell everyone, essentially my teenage children and their friends who may be potential victims of SunTrust in the future. 

Very disappointed customer, XXXX XXXX
Product: Mortgage

Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status transition deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
Product: Checking or savings account

I had my taxes deposited into my credit karma spend account. The day before the deposit my phone was shattered. So I had to get another device. 
I downloaded Credit Karma, and verified who I was, and for the most part, Im able to access Credit Karmas features I can change my number, and view all my credit information, but I am not able to access my spend account information. I should have money in my account, and I dont, and I need to check my transactions. 

So I have spent every day for the past few weeks on the phone with Credit Karma. They have made me upload documents to verify my identity over 10 times. Every response I get via email is from a different person with the same generic greeting.

I finally reached a representative the other day, who told me that there was nothing that they could do. They were not going to give me access to my account for security purposes, because I dont have a phone number with a major carrier. I have a XXXX  number, which is assigned to me I bought it But Despite all my verification, or the reason why I need to get into my account, which is honestly irrelevant because its my account and my money they dont accept VOIP numbers/prepaid numbers etc. 

I am very low income and I dont have {$160.00} a month to pay for a major carrier. But I still tried to humor credit karma, and I tried to get phone service through XXXX XXXX XXXX. 
( this is part of the reason why I need to check my transactions- Im now out of {$400.00} & after XXXX canceled orders from XXXX XXXX XXXX I still dont have a phone or the refunds. And XXXX XXXX XXXX is requiring that I send them proof that the refunds have not come in, but I cant do that because I cant access my transactions ) So I asked credit karma to let me speak with a supervisor, it was the same representative that I have been speaking with who got on the phone, and presented himself as a supervisor, and again told me that, until I have a landline or cellular service through a major carrier I was out of luck And could not access my transactions, then proceeded to tell me if I had a physical card that I can access the funds But I dont have a physical card and I can not re-order one until I get an expensive phone to receive their verification code. I asked if they could just send the code to my email they refused. 
XXXX has allowed me to update my number to the number I have now. I dont understand why credit karma wont allow me to use my number. The number they have listed I have not had access to since XX/XX/2023. 

Definitely not a good business move. Theyre trying to protect my identity for security purposes, but whenever Im telling them that the money should be in there, and its not, plus verify my identity, 1000 times, and spending more time that I care to met on the phone with them trying to get this resolved With absolutely no luck is not making me want to do business with them ever again. Demanding I use a major carrier, as a requirement to access my own money is outlandish and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I have called Transunion, XXXX AND XXXX SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. JXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Product: Mortgage

This complaint is origination out of previous complaint ID XXXX According to complaint XXXX Wells Fargo response dated XX/XX/XXXX page 2, it states reason 's for Modification denial " payment deem affordable " In complaint just recently submitted XXXX for reason 's for modification denial " was denied because you already reached the allowable number of modification " Well Fargo fail to address the previous complaint recently, and mechanical robot CFBD close the complaint without notice of conflicting denials. 


Gentleman : It is apparently clear that Well Fargo is purposely refusing to address XXXX modification by circumventing and attempted endeavor to remove me from calculation error,, by stating that there's to many allowable modification which is not true, for complaint ID XXXX states " payment deem affordable " which places me under the impact by automated calculation, recent response XXXX mischievously created misdirection to continue malign practice to keep me from achieving class action that is pending against Well Fargo,,, complaint XXXX " deem affordable " application was calculated by the underwriting, Wells Fargo foreclose on me illegally by miss calculation,,, ,CFBD stop being a robot and do something about this company Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a problem with reporting accuracy. After several attempts to get them in line with XXXX and XXXX ( not that they are perfect ) Equifax decided to take everything off my FICO report. FICO is the report that matters and I have 11 open accounts in good standing including a mortgage that has never been late NOT posted on my Equifax report!! I need them to put these accounts BACK on my EQUIFAX report. I have attached my full credit report so they can see how far off they are from XXXX and XXXX.
Product: Credit card or prepaid card

This is regarding my Synchrony Financial Amazon credit card. 
I know this is XXXX, but I get so many junk emails, that I have all of my credit card statements ( that are not on auto-pay ) set to paper so that they come in the mail. I then pay my bill timely 100 % of the time. My credit score reflects that. However, on XX/XX/XXXX I received a notification that my Amazon store card payment was past due. I knew that couldn't be true, and I suspected it was a scam. I logged into my account, and sure enough, it was past due. I had never received a statement in the mail, so I had no idea my payment was due. Upon chatting with customer service, I asked what my statement preference was set to. The agent confirmed it was set to email. I asked who changed it and whether I had given consent. The agent said it had been changed automatically. At that point, I was very upset, and asked if my credit was going to be affected. He said they would not report it and that he would waive the fee, which he did. However, today, I noticed that they also charged interest because the payment was late. I chatted with another agent today ( XX/XX/XXXX ) and asked if something could be done. The agent said they would not do anything about it. I get it, if they need to charge the interest, I will pay it. Not a big deal. To me, what is a HUGE deal is the fact that they can change my preference without ever getting my consent, which leads to fees and interest from which they profit. If it happened to me, it probably happened to hundreds or thousands of other people. Seems like a class action suit to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX 2 ) American Express has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX American Express  XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX
Product: Student loan

I would like the CFPB mediation in this matter. Some of the loans were dismissed if you were in a certain XXXX situation. I fit the description but Navient noted the loan would be dismissed, but it was placed on someone else account and not dismissed. Thanking you in advance for your consideration.
Product: Credit card or prepaid card

We have received numerous calls from Kohl 's ( XXXX XXXX XXXX ) but have ignored them as we have never had a Kohl 's card, nor ever wanted a Kohl 's card, and haven't been in a Kohl 's store in decades. We finally called them back at the number they left in their voice mail and were told that someone had applied for a Kohl 's card and asked if we had applied for a Kohl 's card. When told NO we did NOT apply for a card they immediately wanted all kinds of personal information which we refused to give. They became very agitated as did we as it quickly became evident that this was a scam to get personal information from people and we hung up.
Product: Money transfer, virtual currency, or money service

a person sent funds to me via the chime app on XX/XX/XXXX. the funds can not be canceled or sent back to the person who sent it to me. my only option to access the funds is to activate a debit card that chime is mailing to me. per Chime i am not expected to receive the card until XX/XX/XXXX. I did not choose to use chime but the only way to access funds is to activate their card. chime holds my funds for 2+ weeks. chime adverstises as " Pay Anyone the fast, fee-free way. Pay friends and family fee-free, no matter what bank account they use. They can cash out instantly and securely, no sign-up needed. '' but this is false, the only option you have to access the funds is to use their virtual card which allows them to collect transactional fees.
Product: Credit reporting or other personal consumer reports

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. XXXX, XXXX and TransUnion. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Product: Debt collection

I received a letter ( in mail ) from Golden Valley Lending ( 'GVL ' ) regarding the pending default on a loan. I have never had a loan or done any business with GVL. I called the customer service number and they indicated it was a for small unsecured loan of {$1000.00} distributed via ACH on XX/XX/2019. No such distribution was received and I believe that, if the distribution ever occurred, it was done fraudently to another individual using my information.

Per directions, I initiated a complaint with the complaint department at GVL. They have indicated that the actions have been placed on hold for 30 days for supporting documentation to be provided.

Since that point I have initiated fraud alerts with the credit reporting agencies ; am working to provide the requested information including a filed complaint with my local law enforcement agency. In addition, I am in the process of filing an Identity Theft report with the FTC.

Personally, I believe that the loan may never have occurred and GVL was using
the letter and other actions as part of a larger scam. I have no evidence of this, however, I have read several accounts online, including this site, of others having this problem with GVL.

My understanding is that filing this complain will allow me to see what documentation GVL has with regard to the alleged loan.
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 XXXX and Equifax credit reporting agency , block 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$240.00} XXXX XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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.