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

To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX  that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all XXXX major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON TransUnion, XXXX and XXXX ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX XXXX plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity
Product: Mortgage

Purchased a condo home in XXXX, VA after a period of loan processing with lender XXXX XXXX XXXX, in or near XXXX XXXXXXXX, Virginia. This loan utilized a VA Home Loan. Based on frequent communication between my loan officer XXXX XXXX, and my insurance broker, XXXX XXXX of XXXX XXXX Insurance, and myself, I purchased a hazard insurance policy that met both my, and my lender 's requirements. I was advised by my lender, that their requirement would be to escrow this cost for the first year. I was advised a few days before closing, that my lender 's common practice was to re-sell mortgages in the short term after closing on the purchase was complete. After completing the a pre-closing advice session with a local closing attorney, XXXX XXXX, I completed the closing documents with his firm, obtained my keys, and took occupancy the same day and established my primary residence. A few months later I was advised of a change of servicing as my mortgage had been purchased by a BB & T Bank, which was itself in the process of being purchased by a financial company called Truist Bank. 

I had a similar issue arise around one year ago, which was considered resolve, XXXX complaint # XXXX. 

But I received a letter today, instead indicating that the company wished to again modify the requirements for my loan, by requesting I obtain additional coverages for my mortgage/hazard insurance beyond those required by the Original Lender and mortgage agreement. I have maintained my insurance coverages with my local insurance agent, XXXX XXXX, and have not made any reduction to my coverages. Yet my new company, wants me to take on additional coverages to comply with their own requirements.

I did not originate my loan with their Truist Bank, or its purchased Banks BB & T nor SunTrust Bank. I do not believe that BB & T purchasing my mortgage, nor Truist Bank by proxy as the purchaser of BB & T Bank, should be able to insist upon new terms to my mortgage. They purchased the mortgage as an asset, and should instead be maintaining the original agreement and requirements set by the Original Lender, XXXX XXXX XXXX. Upon review of the CFR, section, Force-placed Insurance ( 12 CFR 1024.37 and 12 CFR 1024.17 ( k ) ), I see no provision which allows for the company to require greater coverages beyond those required at loan origination.

But it deeply concerns me that what seems to be a clear over-reach by their mortgage department, to offset some unknown variable of risk, that did not concern my original lender, will potentially result in an increase to excessive amounts held in Escrow.

I am hopeful that this may merely be caused by a lack of proper records keeping by the bank during their merger and acession into suntrust bbt and truist. 
But I again find myself unable to find an adequate answer by contacting the call center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling credit errors since XX/XX/ and prior due to identity theft and Equifax data breach. I have spent hours on the phone trying to get my information correct I was told by representatives that information had been corrected to only check and nothing had been corrected nor would they update my information with corrected proof of errors reporting on my credit report also reporting outdated information and changing my address without my consent I honestly have tried everything to get my credit back in order soon as I seen a major increase I lost XXXX points due to errors and misinformation Equifax reported. I have lost money time and opportunities for lenders to provide service due to this
Product: Mortgage

Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.
Product: Debt collection

I have an account on my credit from XXXX # XXXX in the amount of {$1400.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file this complaint because TRANSUNION has reinvestigated, verified, and sustained inaccurate accounts on my consumer reports. These accounts are erroneously incomplete and inaccurate. Per 15 USC 1681e ( b ) consumer reporting agencies are to ensure the maximum possible accuracy of a consumer report to whom it relates. I had given TRANSUNION a very detailed description of the inaccuracies reflected on the accounts I disputed, and they still returned verified while being both incomplete and inaccurate. TRANUNION is in violation of the Fair Credit Reporting Act per 15 USC 1681e ( b ) and I want the accounts that I disputed removed immediately! Please see attached documents for proof. The yellow highlighted areas and orange markings bring attention to the location of the inaccuracies for each account and how they have been overlooked. I have also attached a letter requesting the removal of the accounts from my consumer reports with detail of why they should be removed.
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 XXXX credit bureaus are 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 update these accounts. 

XXXX XXXX XXXX XXXX XXXX
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account : 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 reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : 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 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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Mortgage

I paid my mortgage on XX/XX/XXXX on the LoanCare Portal. The money did not come out of my checking account so on XX/XX/XXXX i went online to check and the portal/website was down with no explanation. i called the XXXX number and the lines were also down. Again, no explanation. I found information online that there was a cyber attack on the LoanCare site. there was no communication on this. Also, on XX/XX/XXXX, they did take {$190.00} out of my account for an appraisal they were supposed to set up to remove my PMI payment from my mortgage. I never got a call to schedule the appointment. But they took my money. 
Today, i went on the portal and was able to log on, but it looked different so i called LoanCare. After XXXX mins i got through to a representative who basically told me not to trust the site. And she couldnt take payment over the phone. Nothing is processing right now. She didnt know anything further and would not tell me why the customers have not been notified. This could impact everyone financially! This is a big deal and all of their customers are in the dark. Its almost XXXX and i need to pay my mortgage. What is their obligation to the customer to inform them of the data breach?
Product: Debt collection

I received a credit alert advising a new trade line was opened with Jefferson Capital and I do not any accounts associated with this company
Product: Bank account or service

Have an account with Scottrade for years. Suddenly after all the fees, they keep on processing trades then tell me I am longer able to be part of the Scottrade family. The problem they said I was bumping prices. I have had a small account, ca n't really raise the stock price, but on their end they have ask and bid prices which are XXXX lot of time. I see them completing trades below the ask prices, what a bunch of crooks.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with Spot Loans Friday XX/XX/2021 & was approved for {$600.00}. The website states that if you apply, get approved, & sign your contact before XXXX CST youll receive your money on the same day by XXXX. I applied got approved & executed my contract all before XXXX. I called Spot Loans Friday evening & they told me I either didnt make the cut off time or I typed my banking info wrong. So I waited till today XX/XX/2021 & called Spot Loan & asked wheres my money.. They told me my banking account info was wrong my application was canceled & I had to reapply. Im like WHAT! & they proceeded to say the second try isnt guaranteed. I told them that this was not cool & I was going to file a complaint. Sure enough I applied just to see.. & I was denied! I want my money that I was approved for.
Product: Checking or savings account

This complaint concerns Citibank, but started with an online scam, an email I received on Friday, XXXX XXXX, 2022 purportedly from XXXX XXXX falsely charging me for a subscription renewal. Unfortunately I called the number on the email and was connected supposedly to their customer support rep, who agreed to refund the money. To do so he persuaded me to allow him to access my computer. A manipulated " error '' omitted the. in the refund amount, so that it came out to be thousands, not hundreds of dollars, which somehow did appear my screen as a credit to my checking account. Now of course I felt guilty at having these thousands which were really not mine, and was persuaded to " return '' that extra money via an international wire transfer to a XXXX XXXX XXXX. ( The " rep '' said company XXXX was in XXXX XXXX. ) After a couple of unsuccessful attempts to access my Citi account online, I was finally able to do so, and with the scammer still on the phone with me, I initiated the transfer. It went through immediately without a hitch. 

Coming to my senses a couple of hours later -- it was now past XXXX -- I called Citibank customer service XXXX Their rep recognized this particular scam, said my account showed the debit ( but not the supposed credit ) but that that did not mean the funds had yet been released to the account owner, put a hold on my accounts, and " escalated '' the report to their wire fraud department. The rub : There is NO ONE in that fraud department on the weekend ; I could not reach them by phone until Monday XXXX By Monday I am told that yes, the money has now been released from the XXXX XXXX XXXX  to the account holder. And that Citi has sent a message to the XXXX XXXX XXXX, which will ask that the account holder [ fraudster! ] return the money. Citi says the matter is under investigation and could take up to 90 days. I am astonished and outraged that Citi allowed the transfer to go through in the first place, from a longtime customer who has NEVER made a wire transfer, much less an international one, much less in such a huge amount. No red flags? They do not seem to have safeguards in place to protect their customers. 

I have filed reports with the XXXX XXXX police, the FBI, and the FTC. I emailed the Citi fraud department on XXXX XXXX ( because nobody could connect me with an actual person ) outlining the case and my frustrations with their actions ( or lack of same ), and asking for an explanation for the delay in funding my new accounts from the old ones. ( I had been given different reasons on the phone from different reps, and had been advised to just go to my local branch, which I could not do and which, it turns out, would not have solved the problem. ) To date I have had no response to my email.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus 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 Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Product: Credit card or prepaid card

I opened a checking and a savings account on XX/XX/2021 with XXXX XXXX online depositing {XXXX0} in each account. About a week later I received a XXXX XXXX credit card which I did not apply for. I did activate the card but recalled the incident with XXXX XXXX who did the same thing. 
I used the card and make all my payments on time paying more than the minimum every time. On XX/XX/2021, I make a payment of about {$XXXX about XXXX  days letter I received an email stating that my payment was not excepted and my card was being cancelled. When I finally spoke to a rep he said the company felt I was doing something unsaviory so my account was closed. I also ask him why his company would send me a card I did not apply for and take it away and my payment wasn't a day late it actually was XXXX days early. He got defensive and ask was I saying someone stole my identity and I assured him that wasn't the case and that I have every intention to clear my account. 
I know now that this process is illegal due to Federal Case XXXX Also I went to XXXX XXXX and on XXXX XXXX I went to a time share meeting with XXXX resorts. It was normal, high pressure sales presentation which my fiance and I were already antisipating. We knew they would put a hard inquiry on my credit so I signed up alone. Then a week ago I received a denial letter for a XXXX credit card that I NEVER APPLIED FOR.