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

Transunion is still showing and reporting an account for XXXX XXXX on my credit which keeps showing up on a background check for my employer which had already caused me to be fired from my previous job along with 2 other accounts they were reporting but those other 2 collections accounts have since been removed however XXXX is still showing. I filed bankruptcy chapter XXXX in XXXX and this XXXX  account that is only still showing on transunion is still showing and coming back on my background checks. None of the other credit bureaus are showing this XXXX account but transunion! I have a screenshot showing this account being included in my background from XXXX  so how is transunion still showing it and possibly about to cause me to lose another job! The XXXX account was opened in XXXX my bankruptcy was in XXXX and they are showing I owe {$1000.00} in which I do not. In addition Hire right the background check company performing my background check for a current job offer and also performed the last background check for my previous job ( in which i was fired for inaccurate information reported from them ). They are telling me that transunion is reporting this XXXX  account to them Still and saying it was not in my bankruptcy when it clearly says it was on both of the other credit bureaus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to Experian showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with Experian. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) Experian should have investigated and provided factually supported evidence and appropriate documentation or removed these items from my credit report within a reasonable time of 30 days. In further violations of FCRA, Experian also failed to post disputed consumer remarks in the comments section of these accounts. 

Despite having sent two additional certified letters to Experian since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by Experian has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Consumer Loan

XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I was contacted today XX/XX/year> by Structured Settlement. The representative introduced himself as a XXXX and was extremely aggressive. When I told him so and to please not speak to me in that manner, he only got worse. He threatened to close my bank account and sue me as well as contact my employer for wage garnishment. I explained that I do not believe SC allows for wage garnishment unless a federal or medical loan. He proceeded to tell me I was XXXX  and didn't know what I was talking about. I tried to discuss a settlement options but only got more aggressive and proceed to demand my bank number and tell me he was going to call the initial loan office and stare I was refusing to comply. He was so aggressive that I felt as if he was going to jump through the phone and physically harm me. I called the creditor directly to confirm the debt amount and request to settle with them. Unfortunately as a charge off they could not but made note of what the company did. I did not feel comfortable providing PII to such an aggressive company. I confirmed with the bank that he can not seize my assets
Product: Debt collection

I moved from XXXX to XXXX XXXXXX/XX/XXXX. I updated all of my financial creditors with my new address. My first year in XXXX was a financial disaster, physically stressful to the point that the stress made me sick. I feel beyond in a XXXX XXXX XXXXXXXX card however had a XXXX XXXX XXXXXXXX card that was paid off every month. I received no written communication from them about them changing my card. I saw in my experian credit report the debt was charged off in XX/XX/XXXX and have received no communication from XXXX XXXXXXXX about that account. 

Around XX/XX/XXXXXXXX XXXX XXXXXXXX closed my XXXX card and gave me a XXXX. I noticed that on the XXXX app. I never received a physical card but I did receive a digital card. I contacted XXXX XXXXXXXX at least XXXX times requesting the physical card. It turned out they mailed it to the address i moved from in XX/XX/XXXX and it was repented to then in XX/XX/XXXX but they had my updated information because I've been active on their app. Each of those phone calls took an average of XXXX minutes to XXXX hours, each time requesting the new card be mailed to me, and confirming my XXXX mailing address in each phone call. 
Out of the no where, I received a letter from their debt collector, Gurstel Law Firm in XXXX XXXXXXXX XXXX in the mail on XX/XX/XXXX. Coincidentally, on XX/XX/XXXX, I receive an envelope from XXXX XXXXXXXX with a statement for the XXXX that replaced the XXXX card ( but they claim they have not able to mail me a replacement card for the XXXX account that replaced the XXXX card, which is the physical card they claim was returned to them in XX/XX/XXXX because they mailed the original card to the address I'd not lived at for over 18 months ) > which is also the first written correspondence I've received from them since moving to XXXX on XX/XX/XXXX. 

I need help please.
Product: Checking or savings account

XXXX XXXX WAS AUTHORISED TO AUTOMATICALLY WITHDRAW SIX MONTH AUTO INSURANCE PREIMUM FROM MY CHASE BANK ACCOUT. AMOUNT {$1700.00}. 
NEITHER CHASE BANK MOR XXXX XXXX CAN ACCOUNT FOR THE WITHDRAWL DETAILS WITH VERIFICATIONS.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution Process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the FTC about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX   {$11000.00} Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX 4 ) XXXX   XXXX  XXXX {$240.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's. 

The CRA 's show the account is closed in XXXX but XXXX XXXX  reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Product: Credit card or prepaid card

Bank of America closed my credit card account for no reason today, and that they said they can do so without telling me why, as that's in the their contract. I have researched far and wide and find the major reasons that credit card companies can close your account include : inactivity, suspect fraud, not paying payments, and worsening credit situation. There has not been any mention of credit card closing for reasons for other than the above mentioned. I have excellent credit, paid on time, not inactive, nor were there any suspicious activities. I would like, at the minimum, that the bank give a reason as to why my account is closed. This seems like a fraud to me, at least in terms of advertising from the card issuer in the sense they find that since I'm someone who pay my card in full, and therefore unlikely to contribute to much profits to the bank, and chose to close the account by invoking a never heard of clause of supposedly a term that I have agreed to that they can close my account without a reason.
Product: Credit card or prepaid card

Last summer I went through hard time paying my credit cards debt. XXXX XXXX XXXX came to my rescue with a debt consolidation plan. They did negotiate on my behalf with American Express and the agreement was I paid $ XXXX monthly starting XX/XX/XXXX. The minimum monthly payment was done as agreed. I never missed any payment. I was surprised with 3 months late payment reported to credit bureau by AMEX. They reported my account late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Through XXXX I disputed it twice. I contacted Amex many times. They refused to delete those late payment even with proof of payment by XXXX. As a result, my credit score dropped by XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

Account- XXXX XXXX XXXX Account XXXX XXXX XXXX This company is in violation of two laws. The first one is 15 US code 6802. Within the law it clearly states that a any financial institution who lends money to a consumer must give the consumer an option to opt out of their personal non-public information being reported to any third party affiliates. I the consumer was never giving that option. 

The second violation is 15 US Code 1681. 15 US code 1681states any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have never gave written instructions to to any consumer report any of my information. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech Financial has not credited my fixed rate mortgage account with interest paid. I made a payment for XX/XX/XXXXthat Ditech received on XX/XX/XXXX. Instead of applying extra funds to the loan as agreed, Ditech applied part of my payment toward the interest for XX/XX/XXXX, calling it " prepaid interest. '' This was the only prepaid interest ever shown on the account. They set the next payment as due XX/XX/XXXX. I wrote and called them about the error. Ditech told me they had fixed it and all extra funds had been applied to the loan principal. They re-set the next payment due as XX/XX/XXXX. So after this, the XX/XX/XXXX payment should have been wiped out, as if it had never been made. The prepaid interest figure should have gone away. It did not go away. When I made a payment on XX/XX/XXXX, Ditech subtracted the prepaid interest amount from the interest due for XX/XX/XXXX. I ended up with a negative figure for interest paid, on the XX/XX/XXXX statement. I wrote to Ditech, told them exactly what the statement should show, and why the negative interest was an error. Ditech wrote back a month later. They do not recognize any error on the statement. They have not fixed the problem of the prepaid interest in XX/XX/XXXX counting against this year 's interest. Since it's a problem of their refusing to credit the account with interest paid as of the date received ( XX/XX/XXXX), aren't they required to fix it? I don't know how the loan could be transferred to a different servicer or how the XX/XX/XXXXtax form will be correct if not. Basically, they are refusing to service the mortgage. Ditech doesn't have the capability to automatically apply extra funds as they say they will. They keep applying them to future months after assuring me they will apply them to the principal. Then I have no payment documentation. This amounts to a penalty for trying to reduce the loan principal. XXXX XXXX should not allow them to service mortgages if they will not service them.
Product: Money transfer, virtual currency, or money service

Through my university email, I was invited to be a personal assistant to professors. My first task was to help send money to charities for him. He wrote me a check and sent them through email, I deposited, and then I would send the money through Zelle. I would find out that the checks he sent me where fraud, so I would end up giving multiple checks of my own money to random people that I thought were orphanages/charities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Number of errors on report. Addressed with CRA and resolved some. Score increased. Tried using XXXX product which had no affect. Website difficult to navigate. Recent report shows decrease in report by XXXX points. Attempted to discuss with customer service numerous times but no one can give me reason for decrease. All other agencies show credit score over XXXX points higher. Information on other reports same.
Product: Credit card

amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on XXXX XXXX and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to XXXX XXXX email requesting assistance in this matter. 

i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX XXXX
Product: Mortgage

I made the payment on time, but when SunWest Mortgage went to withdraw the fund was insufficient. i wasn't aware my wife failed to put the money back in the checking account after using some of it. I immediately, called SunWest to explain what had happened, tell them the fund is there in my account and I'm ready to pay the penalty because of that. I told SunWest this is a very difficult moment where they should at least, see the human toll besides their own bottom line which is making money at all costs.They didn't want to listen, explained to me the way to resolve the payment is to go buy a money order for the amount of {$2100.00}. SunWest charged me {$15.00} for insufficient fund and {$110.00} penalty. My final bill was the mortgage payment plus fees, penalty and {$15.00} for the cashier check I bought. Oh, i forgot to mention next day postage fees. 
This is the way SunWest treated part of its clienteles that is voiceless and unable to come out of that merciless purge.