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

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors, please delete the items as soon as possible.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX acc # XXXX date opened XX/XX/XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 and 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, credit repair services, or other personal consumer reports

On XX/XX/2019, discover financial started reporting me as deceased and closed the account. I attempted several months in a row to make my payments and Discover would not allow me to because of the deceased status. I informed them multiple times they were reporting me as deceased incorrectly. They requested I contact the Social Security office to fix the mistake, which I did, and provided the corrected information to discover financial. They have since charged off the account and have been reporting to all three credit bureaus since XX/XX/2019 that I am late on my monthly payments. discover financial never contacted me to reinstate my payments or communicate any information regarding the account. They currently have me listed as alive however continue to report negatively with the three credit bureaus. I originally requested that they remove the deceased status and all negative reporting from the three credit bureaus, but they have only agreed to remove the deceased reporting and not the charge off or late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to transunion that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. Transunion states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Product: Credit card

Got a store card from Dillards ( a local department store ) administered by XXXX XXXX. 

In XXXX Dillards changed administrator to Citibank. I did not notice. I e-payed three payments to Dillards from my checking account, all cleared my bank to XXXX XXXX, XXXX XXXX did not forward my payments to Citibank and wont refund my money. I want either a refund or the payment forwarded to Citibank, they refuse. 
XXXX XXXX wants me to go to Citibank for a resolution, Citibank says they cant do anything to help. 
Payments made : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX thank you, XXXX XXXX
Product: Debt collection

This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Product: Consumer Loan

Key Bank recently took over First Niagra. On XX/XX/XXXX, I contacted Key Bank as I had n't received anything from them since the changeover. I had made a payment on XX/XX/2016 and one on XX/XX/2016. This should have taken care of XXXX and XXXX payments. I was told by the man I spoke with " XXXX '' that he could see where I had made the XXXX payments but the XXXX on XX/XX/2016 was not credited correctly to my account. He told me that it was due to the change over and he was submitting it to the correct department to have it applied correctly and it would be fixed in 2-3 days. He assured me that it was due to the changeover and my account was fine and I did n't need to worry. On XX/XX/2016, I received a statement showing I am a payment late and I owe them {$740.00} this month. I immediately called KeyBank and spoke with XXXX. I got the same answer from him that the payment had n't been credited correctly and he was submitting it to be fixed and it would be taken care of in 2-3 days. I told him that is what the last guy told me and it still is n't fixed. He said he would follow up on it and call me the following day at XXXX. I have him my cell phone number as I would be at work. At XXXX the next day, I still had n't heard from him so I called the customer service number again. He stated he had n't heard from that department yet and would call me later in the day. When I got home from work I still had n't heard from him, but there was a missed call from collections on my home phone. I called the customer service number again and was told that they were working on it. I asked for a supervisor. I could n't quite understand her name. It was either XXXX or XXXX. She gave me a reference number of XXXX to use if I needed to call back. She also gave me a documentation number of XXXX and said this was the verification that I had made the payments. She assured me that it was being worked on. Today, XX/XX/2016, I received another collection call. I immediately called KeyBank. I again got the same story. I said this need to be fixed today and asked to be transferred to the department that was working on it. I was told that they do not have the ability to transfer to " the back office ''. I asked for a supervisor and was told there was n't one available. I said I would hold until one was available, and was told that a supervisor would not be able to give me any further information than what I already have. She refused to give me a supervisor and did not give me her name.
Product: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS 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
Product: Credit card

I opened a secured account with {$400.00} I had the card for several years I had been informed multiple times when I close the account the {$400.00} would be returned, my closing balance is {$0.00} and they still haven't returned my money, it's been over a month
Product: Payday loan, title loan, or personal loan

I took out a line of credit for XXXX XXXX XXXX via XXXX XXXX XXXX ( AKA : XXXX XXXX XXXX ) which uses XXXX XXXX XXXX for their billing. The line of credit was {$2000.00} and I prepaid for tutoring services for my grandchild. After a few sessions I began to see a further decline in her grades thus I decided to discontinue any additional sessions. I received a refund on XX/XX/18 for {$1100.00}. When I received the refund I immediately contacted the XXXX XXXX as there was an additional credit that was due. The center refused to refund for additional sessions. I contacted XXXX XXXX  to file a dispute regarding the 3 sessions that was still outstanding. They came back indicating the charges were valid without providing any validation on how this was determined as services were never rendered. They have also lowered my credit limit as a result of me filing a dispute putting my available credit lower than my balance which does affect my credit score. Please help! 
Thank you
Product: Mortgage

I believe I am apart of the Wells Fargo settlement and I havent been contacted yet i my mortgage was financed through them in 2011 and they did an unlawful loan modification to keep from foreclosing on my home and now I cant draw equity because it put a {$36000.00} lien on my home which I wasnt aware of when I signed up for the loan modification
Product: Mortgage

I have been working with XXXX in respect to a loan modification with my lender Wells Fargo for a few months now. I have submitted all my documentation and yet Wells Fargo keeps asking for the same information or stating that additional and more extensive paperwork is needed in order to review my file. They have all the documents they needed and yet are refusing to postpone my foreclosure sale scheduled for Monday XXXX XXXX, 2016 and are violating my XXXX Rights. I feel as though they are playing this run around game and forcing me to have to go through foreclosure and sell my home. I feel they should postpone the sale and allow me time to be fairly review for foreclosure alternatives. Putting a foreclosure sale and forcing a deadline when they have everything they already need is completely unfair and causing stress and anxiety to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the responsibility of TRANSUNION pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, But they are NOT. TRANSUNION is reporting Multiple fraudulent inquires on my account and after repeated calls and letters they have refused to remove them. 
XXXX XX/XX/XXXXXXXX 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 These are fraudulent inquiries that were taken Without my consent of any kind. I have contacted transunion by phone 3 times immediately following the latest fraudulent inquiry and was told to contact the creditors, which I did and was told they could not send a deletion letter for these since they were applied for with all of my information! Even when I explained I did not apply, someone else did with my information, they still refused to remove. I contacted TRANSUNION again and spoke to 3 managers by the names of XXXX XXXX, XXXX XXXX, XXXX XXXX. Who all told me they were unable to remove the inquiries without a deletion letter from the creditors. This is false as XXXX and XXXX removed these fraudulet inquiries immediately upon notice that they were fraudulent.

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquiries resulting in TRANSUNION violating my federally protected consumer rights. Most Importantly, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Even after explaining to the TRANSUNION supervisors listed above 15 US Code 1681g, which states as the consumer I have the right to request how these inquiries were validated. They ignored this and continued to tell me it was MY responsibility to provide proof it wasn't me!

It is my right as the consumer to demand these fraudulent inquiries be removed from my credit report.
Product: Consumer Loan

My loan was with Honda Financial Services. My car was totaled after only 2 months. It was a new car with about XXXX miles. XXXX paid off most of the loan. I had Gap insurance as well. Honda dealership processed my paperwork for the Gap Loan and faxed all documents to the Gap Loan insurance company. Honda kept harassing me for the remainder of the payment after they received most of the money from XXXX and all warranties were repaid. Gap was the only remaining money owed to Honda. I had a legal contract with the Gap company. The Gap company was the responsible party for paying Honda, not me. The Gap company did not pay for months, stalling the process. Then, XXXX XXXX XXXX only paid Honda a portion of the remaining amount owed. I was harassed by Honda to pay the remainder of the Gap payment for months. I told Honda many times that I was not the responsible party any longer and that I had a legal contract with the Gap Company. Honda financial Services threatened my credit.Now, the remaining funds owed to Honda are on my credit and and I have a low credit score and can not finance a new car. I have bought XXXX Hondas in the last six years and paid every month on time. My payment history is perfect. I believe this is a form of extortion when companies demand payment that a customer does not owe legally. The company can threaten your credit and then customers may pay bills that are nor legally theirs just to keep negative information off their credit reports. I have paid entities in the past when threatened. But this time, I will not pay Honda money that I do not owe them. I have a legal contract that states that I am covered by Gap Insurance. Credit bureaus should not accept inaccurate information. All negative information on credit reports should have to be authenticated. Credit Bureaus are also at fault for providing a medium that will ruin a consumer by any unethical company or entity that has the inclination to threaten consumers. Consumers have no where to turn to stop this illegal practice. The government should take action in this matter in order to protect consumers from the illegal practices that effects an individual 's credit for years. 

My identity has been stolen two times by XXXX different people. I have been through a nightmare with no help from the credit bureaus. I am in my XXXX nightmare now. I vowed to never use credit after my identity was stolen. I will not be a victim of the thieves and the credit bureaus. I have not had a credit card since the 1990 's. I pay cash for everything or I do n't buy it, except cars, unfortunately. I assume this is another medium disguised as a genuine place to voice complaints that go no where.
Product: Student loan

I went on the modified repayment plan with Sallie Mae in XXXX of XXXX. Shortly after the COVID-19 pandemic broke and I only received 3 months of forbearance. When I tried to ask about options as I had lost my job in live entertainment and I had to get a new job where I received significantly less money, I was told there was nothing they could do to modify the amount I was paying. I continued to struggle through these payments, but I payed my loan amount each month despite encountering times where I was left with {$20.00} to my name for a full week. 

In XXXX of XXXX, my time of the modified repayment plan was up. Unfortunately I was also dealing with the deterioration and slow death of a close family member which, as any normal human being with a sense of empathy knows, requires unpaid time off. I called Sallie Mae to try to get in front of the problem, and inform them that not only was I dealing with this incredibly stressful event, but wasn't making enough money to pay the full amount of my loans. I was consistently cut off by the customer service agent who was " helping '' me and told there was nothing they could do. I was told, as someone who does not make enough money and is currently dealing with stressful personal issues that will and continue to effect me financially, I don't qualify for any benefits through Sallie Mae. 

I was told that, to qualify for any benefits, I would have to make 5 qualifying payments ( the full amount each month ) which I made clear I could not pay. How is someone supposed to complete any qualifying payments to become eligible for a program specifically made for those who are struggling to pay their loans? 

As I audibly and uncontrollably started crying, I was put on hold because he figured that was the perfect time to update my account- despite not doing or achieving anything during our call. After being on hold for at least 2 minutes, the agent came back on the phone, told me he updated my account, and asked if there was anything else he could help me with. Of course, there was not- and it was clear there was absolutely nothing he wanted to help with as I was offered no other options or given any other advice, so he signed off, thanking me for 'choosing " Sallie Mae .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed I have sent police reports to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

today I noticed through the free page that provides credit score that Transunion under my credit score without any reason as it provides the information please investigate this erroneous information
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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

Complaint XXXX was filed with the CPFB. CFPB closed the complaint because truist bank claimed the person on the complaint is not authorized to access the account. however, truist bank is well aware that the person filing the complaint has power of attorney from the account holder and in fact is authorized to access the account. What's more, truist bank required that the person making the complaint speak on the phone and give authorization to discuss the account. 

What is happening when truist bank requires that a person give authorization to discuss an account, but later - after that person files a complaint- says the same person is not authorized to access that account?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX  XXXX  XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX - Acct # XXXX XXXX {$0.00} Opened XX/XX/2019 XXXX