23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are some closed collection accounts on my credit report which do not belong to me in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT 1XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Product: Debt collection

The company didn't respond. They just updated my credit file with correct dates. This debt is over seven and no activity on it in over seven years. This company did to provide proof of what they are reporting. Cancel check or proof of credit card payment. They have nothing to support what they are reporting. This debt is causing me extreme financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve my credit concerns since XX/XX/XXXX and it is now XX/XX/XXXX. The car was repossessed, but redeemed in XX/XX/XXXX, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies. 

I have a loan for a XXXX XXXX XXXX with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/XXXX where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?
Product: Credit reporting or other personal consumer reports

This morning, I noticed some unauthorized inquiries on my credit report, which shocked and upset me. After refreshing my browser, hoping it was a technical error, the problem persisted. I need the submitted documents carefully examined so I can have peace of mind moving forward.
Product: Mortgage

My mortgage is through AmeriHome Mortgage. When my house caught on fire in XXXX and Covid hit all at the same time, they granted me forbearance. After the forbearance period, I was granted a junior lien, essentially a deferment, allowing me to tack on the mortgage payments that were in forbearance to the back of the loan. 

I was granted this, through FHA/Amerihome 2-3 months ago. They were supposed to mail me a document to sign and send back so that it can go into affect. 

I have called and spoken to their reps 5 times over the past few months, and they STILL have not sent me the documents. Meanwhile, I am getting letters from them saying I owe $ XXXX and that late fees will be incurring soon if I don't pay it. 

Once I elected to end forbearance, I began making payments on time. The last time I talked to an Amerihome rep, they told me that it looked like the document had just never been sent. He told me he sent an email to their department CCing essentially everyone asking them to send it. 

It has still not been sent. After months of calling in, and asking for this one document, they still have not sent it. I just want my life back. I just want them to adjust my mortgage back to normal as they promised. 

This has been an absolute nightmare. I just need them to send me this document as theyve stated they would countless times over the past couple months and never have
Product: Vehicle loan or lease

Thru bridgecrest is my original loan for my car. I refinanced it with XXXX in XX/XX/2021. I reached out to bridgecrest XX/XX/2021 on whether payoff received and was advised it was not. I went to XXXX put a stop payment on first check since had been a month and certified overnighted a XXXX check and bridgecrest verified to me while in the XXXX office on XX/XX/2021 was signed for by their front desk but still hasnt been applied to my payoff now as of XX/XX/2021. Check was received XX/XX/2021. XXXX now needs a letter stating the payoff is still the same XXXX lien be released if a XXXX check needs to be issued since bridgecrest can not find the XXXX check that was signed for by their representative. Bridgecrest is advising as of today they can not issue that letter. In mesntime I am paying on this loan thru XXXX since XX/XX/2021. This is reported in my credit report now as XXXX days past due and I have cleaned my credit up and come a long way over last XXXX years. I also feel I should be compensated at this point for the stress and frustrating and hours on the phone which resulted in missed time from my job.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I received a Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. 
Thank you, XXXX
Product: Mortgage

I filed Bankruptcy several years ago but my attorney mistakenly did not reaffirm the mortgage on my home. I paid it perfectly for the last 5 years but they said they can not report it to the credit bureaus because it was not reaffirmed. I was OK with that and let it go but the bankruptcy was discharged 5 years ago and now the loan in question was paid off in XXXX of this year. They are still saying they will not report it even though it is no longer on the books. I have 5 years of great credit history on this loan and I want it reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX
Product: Mortgage

I started my Deed In Lieu of Foreclosure in XXXX of XXXX. After several attempts to contact the bank and being told that the missing paperwork letter that we received was automatically sent out. On XXXX/XXXX/XXXX, we were assigned our lone specialist, XXXX XXXX. On XXXX/XXXX/XXXX, we called and spoke with the customer service representative, XXXX, who told us that the paperwork should have been sent within the first 48 hours but the system showed that the paperwork was not sent until two weeks later. On XXXX/XXXX/XXXX, was transferred through XXXX representatives until XXXX answered his phone. He stated that XXXX. appraisal, containing fair market value and specific details of the home including being permanently affixed to the ground, was completed and was only waiting on the title. XXXX/XXXX/XXXX XXXX had received the title and stated that he " found everything we needed to clear title. '' XXXX/XXXX/XXXX, attempted and failed to contact XXXX, left a message. XXXX/XXXX/XXXX, spoke with deed in lieu department who is leaving a message for XXXX to call. XXXX/XXXX/XXXX, we were notified that a survey needed to be done and the VIN number was needed. XXXX/XXXX/XXXX we were told that the final paperwork was being prepared. XXXX/XXXX/XXXX, called but could not reach XXXX, left message and emailed to notify that I could no longer afford to make the mortgage payment because I had returned from deployment and was no longer receiving extra pay. XXXX/XXXX/XXXX spoke to XXXX who said he spent request to attorneys on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called and could not get in contact with XXXX, was given Manager 's POC. XXXX/XXXX/XXXX called for update, Spoke to XXXX XXXX, who could not locate XXXX. Received phone call on XXXX/XXXX/XXXX from bank asking if I had any questions about my loan, after being asked the status of my Deed in XXXX, I was told my application was denied because of a failure to resolve the title and a letter was in the mail that stated the specific details. XXXX/XXXX/XXXX, called to get more details because the letter had not come and was informed that the letter was never actually sent. Spoke to XXXX XXXX about my case and was told that the attorneys notified them that they need paperwork from the county stating the home is affixed to the ground at the beginning of XXXX. No request for the information or contact of any kind was sent to me. Requested to have a copy of bank notes on the account sent to me via email and was told they could not send me notes on my account. The request was denied XXXX/XXXX/XXXX. Due to the home being undergoing the Deed in Lieu process, being unable to sell or rent, the home has been place in an abandoned status and the insurance company has dropped the insurance requiring the bank to charge me fees for insurance while they prolong the process.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXX The Date reported is inaccurate ; XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXX Also, this charge-off account shows a XXXX} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Checking or savings account

I have already put in a complaint about this. Im not hearing back from the back. I set this money for certain reason. Now I have to wait for your bank to figure out a problem. I need this money. Im still being threatened and harassed by XXXX XXXX and XXXX his mother who is employed at Bank Of America. I have a right to my records. XXXX XXXX has told me already him and his parents do this with the help of others. My CD did not just disappear. It was just at new maturity date. Then it disappeared. Im going to speak to an attorney. If I dont get this money back. Please get in touch with me. This family has also been stealing my mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted several times to remove this fraudulent address from my credit report Experian still haven't removed the address I've now filed a police report and hoping that you can help resolve this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions If one credit bureau remove something from my credit, then all
three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but Experian and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Product: Consumer Loan

I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.
Product: Payday loan, title loan, or personal loan

OneMain is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.
Product: Credit reporting or other personal consumer reports

It's not letting submit the FTC report to XXXX, XXXX or equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Consumer Portfolio Services, is falsely reporting an item on my credit report while ignoring my request to verify this account. In XX/XX/XXXX they sold this account to another company by the name of XXXX XXXX. In XXXX, I contacted both companies via certified mail requesting verification of this item. Since XXXX XXXX has stopped reporting this item however Consumer Portfolio isn't after many attempts to correct this situation. Currently they are reporting a charged off amount of {$12000.00}. This item is severely impacting my credit and livelihood in a negative way.
Product: Credit card

Kohls Capital One was suppose to defer all payments when I became XXXX  from the XXXX XXXX. This company went forward and accumulated a late payment history and then charged off my account. This was 100 % illegal during the Pandemic relief period. I eventually p [ aid the account if full including all fees in XX/XX/year>. However, in all fairness the account should be deleted permanently, or at the very least the payment history should be removed. DELETE THIS ACCOUNT PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX ) XXXX and Experian Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/2023 - XX/XX/2023 Balance : {$800.00} High Credit : {$800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 - XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 - XX/XX/2023
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reported the late payment on XXXX, XXXX, XX/XX/year> to all 3 credit bureaus for all three loans ( XXXX  # XXXX, XXXX and XXXX ), while those XXXX  months were the review period of mortgage assistance application.
Product: Checking or savings account

I was a victim of fraud on XX/XX/XXXX I went into the bank on Monday XX/XX/XXXX XXXX when I noticed the people attempted to have charges reversed in an attempt to retrieve more funds. The local bank advised to open new account and they would immediately roll my Social Security direct deposit check into the new account as well as my life insurance policy ach and XXXX XXXX ach payments today I was advised after over 20 yrs with Chase Bank they are closing my account and will issue a check for the remainder of any funds in my account as its my fault I was a victim. My account is frozen/restricted
Product: Debt collection

Wells Fargo continues to attempt to collect on a PPP Loan where all requirements were submitted according to the note for loan forgiveness but they failed to process it. After half a dozen requests for SBA review the SBA finally confirmed they were reviewing. Now its been over 200 days and their is only a 90 day statutory review process and they have yet to decision nor has Wells Fargo delivered any details as to reasons why they feel the debt is still owed. I have a dedicated PPP reviewer within the bank who cant even get a response from the reviewing department. In the meantime I have filed several complaints with the CFPB and nothing has been done to resolve and stop their harassing automatic attempts to collect on a debt that I dont owe.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

TransUnion Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance is not reporting correctly, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX  ] balance is not reporting correctly, this account is not accurate.
Product: Debt collection

ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX
Product: Mortgage

THIS COMPLAINT IS REGARDING ORIGINAL COMPLAINT # XXXX Huntington National Bank ( HNB ) received our check for {$150000.00} on XXXX 2021 but did not apply to pay off our home loan until XX/XX/2021. 
At that time XXXX demanded payment for XXXX and XXXX interest even though our loan was paid in full on XX/XX/2021 when HNB cashed our checkthis was paid in order to save our good credit rating. 
Per our payment history prepared by HNB, XXXX and XXXX interest totaling {$720.00} had already been paid on XX/XX/2021. 
HNB needs to return BOTH XXXX and XXXX interest payments {$720.00} x 2 = {$1400.00} AND ANY INTEREST HNB REALIZED BY HOLDING OUR MONEY AND NOT APPLYING TO OUR LOAN.