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

I have recently reviewed my credit report and I found several discrepancies. Upon my findings, I disputed the information with the XXXX major credit bureaus ; Experian, XXXX, and XXXX. This original dispute was filed on or around XX/XX/2022 for a closed XXXX credit card account. 

The dispute results were emailed back to me from Experian on XXXX XX/XX/2022. The account came back as verified with the account status/ responsibility being labeled as " the consumer reported as deceased ''. I am not deceased. Experian and the other credit bureaus have now labeled my account as being deceased. This has prevented me from applying for a mortgage and securing a home for my family. 

On XXXX XX/XX/2022, I notified Experian of the inaccurate reporting on my credit report labeling me as deceased. I was instructed to write a certified letter showing proof that I am not deceased before status can be removed. This account and its many inaccuracies have not been removed by Experian and the other credit bureaus and have violated my consumer rights under FCRA 609/611. 
Under FCRA 611, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

My rights under FCRA 611 were violated.

Under FCRA 609, Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

In my dispute filed on XXXX XX/XX/2022, I requested the XXXX account be verified and that I be provided with the information used to verify this account. I was provided any documentation when the credit bureaus " verified '' this account and then updated the status as deceased. My rights under FCRA 609 were also violated.

As a result of the credit bureaus reporting me as deceased my credit scores and report have been removed and are unavailable. This has resulted in me not being able to secure a mortgage for my family.
Product: Debt collection

I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex
Product: Student loan

Its crazy how this is my fourth CFPB complaint and am still not getting a resolution. In the previous response the company quoted a principal amount of {$130000.00} that is not correct. I have now well over a dozen times added up the principal amount that they are claiming I borrowed and a simple calculation of what they are providing does not equal what they are quoting. Instead of sending me this standardized form letter and actually research my complaint they will see that the principal amount adds up to {$100000.00}. They are very well aware of my race as it was provided when the FAFSA was completed and I am feeling like because I am XXXX they can just quote anything and I am supposed to accept it. Absolutely not, please help me to have this properly reviewed and have someone add up all of the loans and explain to me why I am struggling to pay this every month and then they just drop an additional $ XXXX XXXX  on the balance. There is no way this is not an unethical practice!!!
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX XXXX XXXX I bought used XXXX XXXX from BMW dealer south Motors BMW XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Fl XXXX back on XX/XX/XXXX. 
Mn complaint not against the dealer but against XXXX XXXX XXXX ( BMW BANK OF NORTH AMERICA XXXX XXXX XXXX XXXX AZ XXXX. 
My monthly payment was set to be {$780.00} monthly. I decided to pay the car fast to be able to buy another one for my wife as she also like it, I start pay monthly payment off my bank account bill pay in the amount of {$1200.00} XXXX monthly same as my mortgage loan the bank will receive the regular monthly payment plus an extra principal to be deducted off the mail loan, unfortunately BMW Bank of North America has their own way to hold all extra principal kept it under their control never deducted of the main loan balance. like I have no control of my loan payment to keep themselves earned interest on me for the extra principal money that I paid. I contacted them and they said my money is deducted of your principal. That has never happened please see attached statement for XX/XX/XXXX it will show negative balance as no adjustment done to my loan balance. I believe it is consumer fraud, since that bank kept my money never credit it or refunded. I need your help to straight up that bank to be the way it should be as any car loan dealer. I do have other car loan with XXXX XXXX bank and any extra principal adjusted within a day toward the loan balance. 
BMW financial services has their own way to fraud consumer by hold my money and kept charge me high interest rates.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card I my name with XXXX. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  and i have a inaccurate account on my credit from XXXX XXXX XXXX. I have already resolved this issue by directly with the company and i was removed but somehow transunion added it back to my credit report. I think transunion is purposely keeping XXXX XXXX  people credit score down so we cant get approved for anything. My credit card being paid on time increases my score by 1 point but if someone runs my credit it decreases it by 3 points. That doesnt make sense. My scores with XXXX  and XXXX are like 50 points higher than transunion and the inaccurate info for XXXX XXXX   was never added back to my credit report after the dispute was complete. Please investigate this is not fair
Product: Credit card

Synchrony Bank, an issuer of multiple store credit cards, is trying to charge customers {$1.00} a month for a paper statement. This is egregious. And they charge when there is a {$0.00} balance. This should not be permitted. How are elderly people who don't operate in email, etc going to manage? They will be penalized by paying a fee if they do not want to switch to online only?
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Today myself, my partner and my brother all recieved texts stating that I was being audited. When I contacted said number they introduced themselves as a lawfirm. XXXX XXXX XXXX I believe. They were stating I owed a debt to HSBC for close to {$3000.00}! Which is completely false. I have never opened a credit line with HSBC. Then stated the last payment received was in 2017. I am completely unaware of this debt until today, I have never even heard of this debt. I will be taking the steps necessary to dispute this debt and file and identity theft affidavit along with a police report. This debt is not mine and it is slander on my name and good credit. I would like a fraud investigation to be made asap. starting with the application process and ANY information pertaining to this account be directly sent to my address on file or cellphone/email.
Product: Debt collection

I spoke with the representing attorney and requested the 1099-C form that their client should have provided to me and XXXX XXXX reply was I dont work for you if you want it you can hire your own lawyer and the she rudely hung up on me.
Product: Credit reporting

This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. 

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. 

I am quite XXXX off you have included the following information on my credit report : XXXX XXXX XXXX following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX XXXX This account does not seem accurate to me. Can you investigate the account number, account terms, account balance, balance history, payment history if any, and the address being reported on this account. Please delete this account for any inaccuracies. 

XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

Chapter XXXX Bankruptcy XXXX I am disputing the file & discharge date on this bankruptcy because it does not seem right to me. Where are you getting this information from? Delete from my credit report.
Product: Credit reporting 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$81.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00}.
Product: Bank account or service

PNC bank offered promotion {$300.00} for creating account. 
I applied for account XXXX/XXXX/2015 over phone and agent emailed me coupon with conditions. 
One of required conditions was to have total Direct deposit at {$5000.00} within 60 days. 
This and all other conditions were met by XXXX XXXX, 2015. 
Account was created according to PNC papers on XXXX -- XXXX/XXXX/2015 and corresponding documents were sent and delivered to me on XXXX XXXX, 2015. 
Until that I did not even know for sure that account will be approved moreover did not have account number. 
PNC did honor their obligation to pay Promotion bonus. 
It is likely because they started counting from their internal work for account creating rather than from the moment I as account holder became capable to handle my account and in particular assign my Direct deposit to this financial institution. 
Until I received paperwork it was their account though on my name and it was not mine. 
I requested to compensate delay on those several days because in no way I could use my account before having account number. By the way PNC failed to email me any info confirming account creation and when I called over phone their agents twice could discover status of my account. 
I found this as dishonest practice.
Product: Mortgage

I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!
Product: Mortgage

I applied for the forbearance of 18 months through my mortgage company during the Covid epidemic. That was agreed-upon, and then at the end of the forbearance. During which I was offered that HAF program which was awarded to me and gave the information to Phh Mortgage company they were given permissions to talk to Florida HAF and PHH was given permissions to communicate with the HAF representative.. Calling every day the mortgage company PHH assured me it was being sorted out. PHH was saying one thing and HAF another, I was assured that HAF was working on the problem. Now the funds are not accounted for and PHH is trying to foreclose on my mortgage. PHH has offered modification and that is welcome, however the amount of mortgage payments from HAF were not applied. The payments were escalated and they were not accepting payments. The timing of these transactions added fees and penalties to my mortgage. Now lawyers fees are added as well to try to foreclose and my efforts to stop foreclosure. Please help.
Product: Debt collection

CitiBank has reported a negative erroneous account to my consumer credit report. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. However they have yet to show me verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA  they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX ). This action has hinder me negatively, not only myself but, my family as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex and XXXX XXXX XXXX The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

The bank had that statement since XXXX I saw it on the XX/XX/2022 and did not know I owe any debt that high and did not apply for any credit card I have made available a copy of this statement in my bank application
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Product: Checking or savings account

**FOR THE RECORD **I have never filed a CFPB complaint about my USAA Checking account. My previous complaints with USAA involved savings and fraudulent investment accounts. If my complaint isn't processed I will have to elevate this matter to the Dept of Justice. XXXX XX/XX/2023 USAA Locked my checking/debit card account due to suspected fraud against my account. At the same time USAA continues to conduct normal business involving my checking account by allowing automatic withdrawals to continue and assessing late fee for unpaid bills normally paid by the same checking account. I'm currently XXXX in the XXXX and I travelled to the US Embassy to place a phone call to USAA. When I reached the service representative I informed her that I was calling from the embassy and we proceeded to conduct ID verification all the way to providing my SSN the she ended the call. Every attempt to unlock the account through the USAA portal has been blocked or deactivated. There are specific Q & A 's built into my profile for this exact purpose that I can not access. I made reference to this problem two weeks in a follow-up to a congressional inquiry. This is the second occurrence in as many months that USAA has locked my account at their own discretion. I am extremely concerned that there is something more sinister involving USAA. There is absolutely no justification for USAA to lock my account for essentially the entire month.
Product: Student loan

On XX/XX/year>, I made a payment of {$XXXX} to settle all my student loans. Despite this, my account summary indicates that I still owe amounts on XXXX of my most recent loans {$XXXX} and {$XXXX}, respectively. I have reached out multiple times to address this issue but have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results
Product: Credit reporting or other personal consumer reports

Inaccurate accounts reporting on my credit profile this data will be listed in the file below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have an XXXX XXXX credit card. Completely paid off. In the app they had promotion for savings accounts you can withdraw from daily, no fees, and have all these no commitment guarantees. So I thought I'd check it out. Opened the savings account but the email made me suspect of it. Even though it was an official document from XXXX XXXX, which made red flag and checked my debit. Saw a several XXXX dollar charge from XXXX XXXX. I don't owe them. I didn't do business with them before. I am in shock. Trauma heavily triggered. Cancer/health issues aggravated by situation, I call for help and the lady i spoke to did not help and told me to call bank of america fraud and tell them, so I did. I'm heavily in shock and having trouble even making sense but just had money I did not authorize or overlook a fee, my money was taken from my checking account which should not be touched by them at all, don't understand what's happening. I did not fill any details into the savings. Meaning they took info from my credit account, why was this money even taken. I know it's so remote that unless someone here helps I will not get it back, I don't know what to do and I need help so badly. This just happened this evening XXXX XXXX, happend right after I opened the savings account with XXXX XXXXXXXX XXXX the app. I am scared they will take more, will XXXX XXXX take all my money when it direct deposits and I will die? Is there no one who can help me? Do I have to plead to the public on social media? It's such a weird situation I have trouble how to answer some of these yes no questions because they don't really fit the situation. I don't know if someone could scam or if recent wifi troubles let people get info. But the bank should know it's the official merchant?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Product: Credit reporting or other personal consumer reports

My credit score went down XXXX points within 30 days in XX/XX/2023  due to XXXX reporting that I missed a payment which negatively affected my credit score significantly. This was not true. My original first payment date for XXXX student loan repayment was XX/XX/2023. However at the beginning of XX/XX/2023 I applied for a Extended Standard Repayment plan and XXXX was taking time to process the change of plans and notified me that my NEW first payment date for repayment will be XX/XX/2023 

That is when I was notified on XX/XX/2023 that my credit score dropped XXXX points due to the " missed payment '' on my student loans with XXXX. XXXX INCORRECTLY reported this to the credit bureau and I would like for this to be amended and my score to be fixed.