23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for home retention program as I am now XXXX and struggling financially. Select portfolio turned it down. The reasons are as follows 1. My credit rating. My debt to income ratio took a drastic change in XXXX and became XXXX on XX/XX/XXXX 2.It is  not in their best interest to help me. 
3. They overstated my income by XXXX This was a government funded program and my credit records do not come into play on this. The options they gave me was short sale or select third party for some reason. I am not late on my mortgage and never have been. I tried to obtain my equity, but due to my credit rating this was not allowed. My other problem with them is they refuse to accrue my homeowners insurance in escrow. Their reasoning is the homeowners association has blanket policy covering exterior of townhouse. My responsibility is to insurance everything from interior walls and everything inside. Flooring plumbing electrical and contents. They state the homeowners insurance I have had for XXXX yrs and XXXX months is an optional purchase. This to is causing additional duress as the insurance company will only accept XXXX payments to pay XXXX annual coverage. I don't know what to do. I can not let my home go. I can not live anywhere for the amount of my mortgage. I do have a right to appeal but from what I was told it won't do any good. I am XXXX years old and on XXXX. I can not work as I fell and XXXX both of my XXXX XXXX at same time and am pending XXXX   XXXX XXXX XXXX XXXX. I am totally at a loss for what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear FirtsMark/ XXXX XXXX, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.
Product: Credit reporting or other personal consumer reports

I was ( am ) a victim of identity theft. I have requested an investigation from the bureaus and the company that has now started to report this fraud on my profile Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX In addition to my fraud alert request I Have requested Radius Global Solutions provide proof that this account belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description.
Product: Credit card or prepaid card

I have had a problem with making a payment to my Suntrust/Truist credit card. I made a payment to pay off my credit card from my US Postal Service Federal Credit Union checking account. At first my credit union accepted my payment dated for XX/XX/2023, but after I hit the submit button, I got a message that Truist could not accept my payment before XX/XX/2023. I checked each day with Truist and my payment wasn't posted. I called Truist several times at XXXX about this issue as my payment was never posted. I paid {$10000.00}. At times I waited on hold for over one hour before speaking to someone. I've talked to several people at Truist and have even used an email address I was given and to the present time the same problem exists. I even called my local branch at XXXX and never got an answer and despite leaving voice mail messages, my calls were never returned. Today, XX/XX/2023, I went into my local branch that is located at the XXXX XXXX in XXXX XXXX, MD. I didn't want to see a teller. I wanted to a clerk that would be sitting in a desk. I waited for 35 minutes until someone finally saw me. Her name was XXXX and she immediately copped an attitude with me. While I was trying to explain to her how I was treated and that I was upset about that, she kept looking at her phone and then the ceiling. When i told her that I didn't like the way that I was being treated and was considering taking my banking elsewhere, she told me that I could do what I wanted to. Now I am very angry. Despite being very agry, I was in no way abusive with any employee. I went into the managers office to explain how I was being treated. She accused me of copping an attitude with her clerk and told me not to come into her office upet. Her name was XXXX XXXX and based on the way she treated me, I don't believe she has the wherewithall to be a branch manager. To put it simply, I don't think that she knows how to treat people and neither does the clerk named XXXX. Perhaps they both should be replaced in their employment. I finally found a very nice lady named XXXX who helped me but neither one of us was able to get a final resolution from Truist. What is also very upsetting to me is that I have used my credit card for several cash advances and interest accrues every day that the credit card has not been paid off. Truist charges me interest daily, but refuses to accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.
Product: Credit reporting or other personal consumer reports

This credit reporting company is stating that I'm late for three of my accounts which are incorrect. I have sent four documents on four separate occasions to rectify this issue. This reporting agency is in violation of FCRA. I have attached the documents to this complaint to support my claim.
Product: Credit reporting

Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.
Product: Debt collection

Received call looking for relative who I assume owes the debt. As I am not responsible or otherwise connected to said debt, I would prefer not to be involved with its collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX College {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on Equifax shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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. 



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Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : TransUnion XXXX XXXX, XXXX XXXX, ( Duplicate Account ) XXXX XXXX XXXX XXXX
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 CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX/DEPT OF ED Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to correct information after being provided proof of inaccuracy On XX/XX/2020 I submitted another request to delete inaccurate information on my credit report. On XX/XX/2020 the company responds and stated that the address was deleted. However, it is still on my report. I have send 4 complaints and they say that it will be deleted but they do nothing to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

DEPT OF EDXX/XX/XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXX/XX/XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, andXX/XX/XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXXm writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for {$600.00} due on XX/XX/XXXX. I paid {$64.00} on XX/XX/XXXX. I also paid {$540.00} on XX/XX/XXXX for a grand total of {$600.00}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {$41.00} was due XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. I also made a payment of {$100.00} on XX/XX/XXXX. I made a total payment of {$200.00} before the due date of XX/XX/XXXX. The payment due was {$41.00}. I made a total payment of {$200.00} I paid {$150.00} over the required payment. I have provided XXXX proof payments were made timely in addition, to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account nor has XXXX, XXXX, nor Equifax corrected this information despite being provided with the official documentation. I have provided each credit bureau agency with a true and correct statement from XXXX  XXXX XXXX XXXX. I have also included my payment receipts and this information has not been updated or changed at all. It is the responsibility of each credit union to update their records. However, they choose to disregard this information and XXXX, XXXX, or Equifax did not correct this information. 

XXXX  XXXX XXXX XXXX Late payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BK OF AMER XXXX
Product: Credit card

This company uses deceptive tactics to get you to purchase and sign up for their credit card. I was looking at makeup to order and I kept getting notifications that I would save over {$21.00} on the items I had in my cart if I applied for the Belk card, then I got an email saying that the items I had in my cart would be a lower price, with the lower price that I would supposedly get for each item quoted, with a {$20.00} coupon. Well when it came time to check out, the phony coupon they sent me did not work! It kept saying " does not apply to items in your cart '', yet the email said it would. Then they sent me a {$10.00} coupon for joining their rewards club. That coupon did not work either! It kept saying the same thing, " does not apply to items in your cart ''. This company is a big fat liar! They lie and tell you you are getting a discount that they have not intention of honoring. Then they made me apply for a credit card, which dinged my credit score, and I will never use this card! They made me waste my time, cost me more money, risked my credit score, all based on their lies and business tactics. If I had known this would happened, I would have never applied for their sticken card! But you dont ' find out they are liars until after the fact. I had to spend so much time trying to add stuff to the cart to see if the supposed discount would work. This company has left a sour taste in my mouth and I will never purchase from them again. They are dishonest thieves! They also said checking to see if I qualify for a card wouldn't ding my credit. ANother lie! Buyer beware!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I tried to add my son on my home depot card as an authorized user. The customer service department sent me to the fraud department I said no problem. Had the card for almost 3 years and it is paid off, no activity but i guess i sounded XXXX on the phone. they told me to go to the store and show my identification and bring XXXX forms of ID. I said OK, I went to the store and confirmed everything. They put me on hold they then said thats not good enough, we need you to fax a copy of your ID and Social Security card and a utility bill. More harassment. Being harassed on an account that has been open over 2 years with no actual fraud. Fraud is the code word for discrimination.
Product: Credit reporting or other personal consumer reports

I reached out to Transunion in regards to these inquiries that are fraudulently reporting on my credit report. These are attached to no account of mine and they are fraud. there is no way they should still report inaccurately on my credit. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

What is complaint about : Pen Fed mortgage failed to complete our loan which was started in XXXX XXXX and was scheduled to complete on XX/XX/2020. 

What happened : Due to poor communication and misleading information, we were forced after 90 days to find a new lender during the month of XXXX and start a loan process from scratch. Repeated requests for updates went unanswered for days ( sometimes 6 plus days ) through XXXX and XXXX, sending critical notices to the wrong email address and the answers we got were not correct. We do not know the cause but whether negligence or indifference the effect was the same. We provided even them with appraisers in the area What company : Pentagon Federal Mortgage Who are the people : XXXX XXXX XXXX, Digital Mortgage Loan Officer XXXX XXXX, Mortgage Processor plus various managers and supervisors who listened to our complaints on XX/XX/XXXX when we called asking for explanations and resolutions. We spoke to 5 different people during an hour and a half call. Note that even after going through their management chain, there was no improvement in the accuracy nor frequency of the communication from Pentagon Federal. It is conjecture but it seemed like they just wanted us to go away so they could deal with the larger customers. 

What response do we want : No one should have this much trouble getting a loan. We would like Pen Fed to reimburse us for the direct costs we incurred : {$660.00} in additional storage and {$700.00} in additional motel stays, to say nothing of the indirect costs of staying in Virginia for an additional 2 months. We'd also like an apology for the incredible stress this put us under. Plus an apology to the TN seller, who was forced to secure a loan to fill the gap between when they moved out in XXXX -- -IN GOOD FAITH -- -and when we finally closed in XXXX. This should NOT happen to anyone else. The stress involved in buying and selling your main place of residence is high enough without avoidable complications.
Product: Money transfer, virtual currency, or money service

I'm reporting about Cash App ( Block , Inc . ) because of their unjust methods and poor customer service, which are against the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution criteria, their dispute resolution procedure was unfair and misleading. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.