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

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my TransUnion credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a XXXX XXXX reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but TransUnion still refuses to delete these public record entries from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

FILE # XXXX I called TRANSUNION to have some last names removed from my Credit Report, but they told me that they could not remove them and to contact you all with this File Number XXXX. 

The Names that are NOT my names are : XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital One authorized release of federally protected unemployment funds to a debtor submitting misrepresentation of documents as IRS Tax Liens to levy federally protected unemployment funds from my Capital One Checking account.
Product: Mortgage

My mother passed away XX/XX/2014. I contacted the mortgage company about the situation. They told me i needed to send them the letters of authority. i did, called them back and they said they did not receive them. so i sent them again, called them, said they did not receive them. called them again and finally got some one to help me. they told me what i needed to send over to them and what email i needed to send it to. i did. never received a response. called them multiple times. would not talk with me. I called the estate attorney and he sent them the letter of authority four times. with a documentation of the fax going through and they received it. He also called them and they told him they did not receive it.I have tried to call them for almost three years now and still get no corporation. Now they are trying to foreclose on the house. The mortgage company is SPS select portfolio. This has been very frustrating to deal with besides the lost of my mother. I am also on the deed of the house. But not the mortgage.
Product: Student loan

I got a two-part in 2000 and loan one for one for {$1200.00} the other one for XXXX I received {$1200.00} but not the XXXX then I receive documents that stated XXXX was refunded and XXXX was paid out which doesn't make sense out of the {$870.00} I tried to call and resolve the matter with no satisfaction.
Product: Credit card or prepaid card

I had applied for a Commerce Bank MasterCard ( XXXX XXXX MasterCard ) and my XXXX credit was pulled and I was instantly approved for {$4000.00}. I was sent 2 emails advising I was approved and my account card is on the way. On XX/XX/23 I recieved the card in the mail. I tried to set up online banking as was not able. I called customer service and was told my card was closed on XX/XX/23 without any explanation. I AM DEMANDING THAT THIS ACCOUNT DO NOT APPEAR ON MY CREDIT REPORT, I DEMAND THAT THIS INQUIRY IS REMOVED FROM MY CREDIT REPORT. HOW CAN YOU APPROVE MY ACCOUNT, OPEN IT, THEN CLOSE IT WHILE THE CARD IS IN TRANSIT. I WILL FILE A LAWSUIT IF DEMANDS ARE NOT MET.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Balance XXXX {$630.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX ) Balance : {$3000.00}
Product: Vehicle loan or lease

Sun Trust merged with BBT and they converted their systems this year. It appeared some how I had a payment missing so I requested my loan history from the inception of the loan to determine where the error was. My first request was online and was told would have to be mailed or i have to try to go to the branch. But they didnt have it and they said it would have to be mailed. So, I tried again online. I am told they have my request. But have no idea how long until or when they will be able to provide my loan history. My first request was XXXX. Again XXXX and again XXXX and again today. Problem 1. I was paperless and it is no longer available online so they are the only ones with my history since they took mine away prior to XXXX! I dont know if I have a larger problem and wont know until I get my history. To make thing worse they double debited payment in XXXX. So apparently they are struggling and clients are the ones impacted.
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., Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX? I have never heard of them and they are reporting a credit score that is wrong. I just received a letter with them being a credit agency like XXXX the address shown for sagestream is XXXX XXXX XXXX XXXX XXXX ca. XXXX. 
telephone number XXXX XXXX XXXX. 

who is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 or creditor. These accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need it repaired at once. 
XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}XXXX XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXXXXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Checking or savings account

I did try to open a checking account with Bank of America, I tried online and I was able do it it, after 2 dias the account was closed, I call the customer service and they told me to go to the bank, I went to the bank and was told that I needed to open a new account because the account I had opened online was already closed and jurying couldnt be done. I did open a new account with XXXX XXXX ( so lovely ), then after 2 days this new account that I opened in inside the bank also was closed. 
I tried to call more then 10 times and nobody was able to explain me why the accounts was been closed and my money got frozen. 
Nobody was able to explain anything about it. 
I did show all my IDs and prove or name change when I went to the bank and open the account with XXXX XXXX, that proves that is. O way to be fraude on that. Im Still Waiting to have my account reopened and my money back. 
I had my money frozen in the 2 accounts that I tried to open, Bank of America ask for a {$100.00} deposit to open it. 
I really appreciate if someone can help me With that since the customer service wasnt able to.
Product: Mortgage

GUARANTEED XXXX XXXX ASSUMEND OR BOUGHT MY MORTGAGE ON XX/XX/2022, AFTER I CLOSED ESCROW ON XX/XX/XXXX. I APPLIED IN ESCROW TO MAKE BI-MONTHLY PAYMENTS, IT WAS NEVER SET UP SO. AFTER I MAILED IN MY FIRST MONTHLY PAYEMENT I CALLED THEM & REQUESTED BI-MONTHLY PAYMENTS. THE NEXT MONTH I MAILED IN THE PAYMENT AGAIN & IN XXXX ANOTHER PAYMENT. I CALLED THEM AND ASKED THEM WHY WASENT I PUT ON BI=MONTHLY PAYMENTS? THERE ANSWER WAS IT CAN TAKE UP TO 2 MONTHS. 
COME XX/XX/XXXX, I RECEIVE A DELINQUIT NOTICE AND ALSO A LETTER FROM XXXX XXXX, XXXX, TX STATING THEY WILL BE MY NEW MORTGAGE COMPANY XXXX ON BEHALF OF XXXX XXXX, XXXX  EFFECTIVE XX/XX/2022 XXXX I CALLED GUARANTEED XX/XX/XXXX, & TALKED TO A XXXX XXXX XXXX IN CUSTOMER RELATIONS & ASKED HIM WHY THEY NEVER TOOK OUT THE BI=WEELY PAYMENYS & ALSO WHY AM I BEING CHARGED A DELINQUINT LATE FEE OF {$17.00}? HE STATED BC THEY NEVER RECEIVED THE PAPERWORK FOR THE BI-WEEKLY WIITHDRAWLS BUT HE WILL RECIND THE LATE FEE. 
TODAY SINCE I OWE THEM FOR XXXX I SENT THEM IN MY PAYMENT OF {$690.00} THEN SINCE THEY SOLD MY MORTGAGE I ALSO MAILED A CHECK OF {$690.00} TO XXXX & REQUESTED THEM TO MAIL ME THE PAPERWORK TO BE PUT ON AUTOMATIC BI-WEEKLY WITHDRAWLS. SINCE XXXX TOLD ME AS OF XX/XX/2022 MY MORTGAGE # XXXX WILL BE IN EFFECT I OWED GUANTEED FOR XXXX SO I JUST SENT THEM THAT CHECK & SINCE I WILL OWE XXXX FOR XXXX I ALSO SENT THEM 1 CHECK FOR {$690.00}. 
I WAS NEVER TOLD OR RECEIVED ANY MAIL OR PAYMENT COUPONS OR BOOKS, OR NOTIFIVATIONS FROM GUARANTEED UNTIL NEAR THE END OF THE MONTH STATING I WAS DELINQUINT & TO MAKE A PAYMENT NOW. 
GUARANTEED RATE LETTER WAS MARKED XX/XX/2022 & I RECIEVED IT ON XX/XX/2022 BUT WHEN I MAILED IN A PAYMENT IT WAS WITHDRAWN 3 DAYS AFTER MAILING.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) BANK XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$19000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/XXXX I placed an order with XXXX XXXX for XXXX. The order was for two beds, two mattresses and a night stand. XXXX XXXX issued an authorization for the full amount to affirm ( but not the actual invoice ). XXXX XXXX has issued a refund and cancellation but affirm is still trying to collect funds from me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

My mortgage company SunTrust, unilateral and unconsulted changed my interest rate of 2.75 % fix on my mortgage loan agreed, approved and signed under a Permanent Loan Modification from XXXX XXXX, XXXX, on the new following rates : - Since XXXX XXXX interest rate was changed from 2.75 % to 3.00 % - Since XXXX XXXX interest rate was changed from 3.00 % to 3.50 % and interest only mortgage was converted to Principal plus Interest - A letter received from SunTrust mortgage states that they will continue increasing my interest rate basis in a Margin plus an Index XXXX adjustable rate. ( totally against our last year agreement ). 
I consider all SunTrust 's actions took on regards of my interest rate unfair and illegal, and base my statement on our mutually reached, signed and obligated to enforce agreement where clearly indicate of their paragraph XXXX ( c ) : " Under this Agreement, the Borrower 's interest rate for the remaining term of this loan will be 2.750 % '' ( attached you will find copy of my Permanent Loan Mod Agreement reached on XXXX XXXX In addition, I 'm attaching a copy of the recent mortgage statements received since XXXX that clearly shows SunTrust 's mistake incurred that made me overpaid my mortgage. By this mean, I formally requested a review of all previous mortgage interest calculated since XXXX XXXX, and an immediate refund of all extra payments charge as result of this interest increase since XXXX XXXX until XXXX XXXX. Also, I requested new mortgage statements for the month of XXXX XXXX and after using the right interest rate approved by 2.750 % according to our Permanent Loan Modification reached in XXXX XXXX. 
I believe SunTrust should immediately respond and proceed to correct all their mistakes created against me, meanwhile, they should refrain to collect any mortgage amount different than the XXXX stipulated in our agreement.
Product: Checking or savings account

Subject : Violation of Funds Availability Regulation by Navy Federal Credit Union Details of the Issue : On Friday, XX/XX/year>, I initiated a XXXX transfer of {$300.00} through my Navy Federal Credit Union account after activating my debit card earlier that week. 

XXXX. Funds Availability Communication : Navy Federal initially informed me that funds would be available on Tuesday ( XX/XX/year> ). 

I accepted this, as I was told delays could occur due to the newly activated card, taking up to XXXX business days for the transfer to clear. 



XXXX. Unjustified Delay : On Tuesday, I checked my account and discovered that Navy Federal pushed the availability back to Thursday, even though the funds had already been processed. Navy Federal saw the description and the transaction details, which means they had access to the information necessary to process it within the agreed-upon timeframe.

By delaying the release of funds without justification, Navy Federal violated Regulation CC ( Expedited Funds Availability Act ), which outlines the timely release of deposits. They failed to honor their initial promise and held my funds longer than permitted, despite the transaction meeting all requirements.