23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ] [ XX/XX/XXXX] [ XXXX ]. [ XXXX XXXXXX/XX/XXXX[ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
HOW CAN I MISSED A PAYMENT ON SOMETHING I NEVER SIGNED UP FOR REMOVE THESE NAMES XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX SUPPOSE TO HAVE ONE SSN WHY DO I HAVE TWO PLEASE REMOVE
Product: Debt collection

This company hasnt provided accurate information to substantiate their claims or provide their authorization of law to collect upon said debt. Also they're falsely updating information onto my credit report. After reaching out to the company they refused to correct the inaccurate reporting of different Date Last Active and Date Opened information on my credit report.
Product: Debt collection

XXXX has not responded back to my attorney in which notice was sent to them regarding this debt with XXXX in which they never responded back to my dispute regarding this debt. XXXX was mailed several letters in regard to the matter before Midland Funding LLC bought this account and I still disputed the account with Midland Funding
Product: Credit reporting or other personal consumer reports

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with XXXX XXXX XXXX. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Checking or savings account

I did a mobile deposit on my new chase account. It stated that funds would be available the next day. This was on XXXX and the next day nothing I called XXXX and was told to give it XXXX more hours. I did and nothing. Finally I received a message that it wouldnt be available until XXXX I called chase and they said the only thing I could do was call the issuer of the check. I didnt that and they told me if I have a different account to cash it through that. So I cash it through a different account but then the funds would not go through due to XXXX placing a hold on that mobile deposit. Now it is XX/XX/XXXX and I have reached out to XXXX several times and went into the current branch that is by my home they said funds would be released today and they still are not. Now I got back a hold of XXXX for the review and they tell me they can do nothing until they can verify the phone number for the check issue. I had given them both phone numbers that are associated with the company that I received. The check from the lady said that they were closing my account on the XXXX. I dont care about that. I want them to release the hold on the check so I can go cash it somewhere else since they refuse to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request deletion of account as information is not accurate per FCRA XXXX. XXXX this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

Experian Report This is account is being reported twice on Experian as XXXX XXXX XXXX Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

XXXX Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.
Product: Debt collection

Fcra 605c..you can not report anything on my credit report with out my written permission..delete it off my report..I do not give my permission.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed the following account that contains debt that I am not liable for and I have never established a contract with this creditor : XXXX XXXX XXXX XXXX This account is hurting my ability to obtain credit and costing me thousands of dollars in interest
Product: Student loan

In XXXX, I and my wife consolidated our federal student loans together. Over the years various companies managed our consolidated loans. 

We currently have Navient as our provider. 

Navient keeps lowering my monthly payments, ( once by {$130.00} USD / XX/XX/XXXX ), without our authorization. I've requested them not to change our monthly payment amount and they lowered the amount again and are refusing to keep my monthly payment the same. 

Navient changed, ( XX/XX/XXXX ), our monthly payment and increased the length of the loan and interest amounts. 

Navient has refused to send me an amortization table for my loan. I feel that Navient is purposefully extending out student loans to maximize their profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.
Product: Payday loan, title loan, personal loan, or advance loan

A payment plan was discussed with the rep from XXXX XXXX to help pay for a repair for our home 's electrical system. I made a payment of {$160.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. I made a payment of {$170.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. On XX/XX/scrub> 2024 I received a past due notice. When I contacted Synchrony I was told that I made the payment too early and after speaking to a XXXX and that it could not be applied to my regular payment. I asked him if they could just refund my payment and he responded yes. He reassured me that I could receive a paper check in the mail around XX/XX/XXXX and provided escalation # XXXX I had not received the check and contacted Synchrony on XX/XX/XXXX and was told that they have no way of sending refunds and to contact my bank to obtain a refund. The bank advised that they only assist with fraud or payment errors and businesses process refunds. I asked to speak to a XXXX several times and was told one would contact me. I did not receive a follow up call and the rep could not assist with the information I was provided previously. Also, no physical statements have been received although we have requested them. Another escalation was placed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. 
According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Checking or savings account

I was shopping with a local merchant who was selling hair. I paid in person for my order to be shipped to me. I was discussing and deciding if and how much money I would spend when the vendor asked to see my phone and paid herself. I still had not decided and she knew what she was doing. She blocked me on all social media and refused to send the money back. I sent the money through XXXX XXXX from my chime checking account. I reached out to both chime and XXXX. Ultimately its chime that started to investigate and they denied me. There were some I transactions for Arline tickets. I disputed the transactions and my dispute was denied the same day it opened. More airline charges were made and I made a dispute and the funds were returned due to fraud. The airline transaction was from the same merchant of the dispute that got denied. Another thing, when I placed the dispute for the airline I was told my card would be closed and replaced but days later someone was still able to used my card to make purchases. I contacted chime about it and they closed my account with no real explanation.
Product: Credit card

Bank of America did not disclose to me that they were using my numerical identifiers via several accounts I had with them to create marketable securities and derivatives there from which they profited and I received nothing. I did not have any contract with Bank of America that states I agreed to the securitization and profit of my accounts and other numerical identifiers. Bank of America issued Class A notes under a Trust Indenture with the XXXX XXXX XXXX XXXX XXXXXXXX as Indenture Trustee. The utilization of my credit was ongoing from XXXX on several deposit accounts and from XXXX on a master card account.
Product: Debt collection

This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.
Product: Mortgage

The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.
Product: Credit card or prepaid card

Fraud - someone use my Social Security number and opened up a PayPal credit card. 

This bank- still not communicating with me or giving any information. I need to figure out how to get this off my credit report. Because I did not open up the account I can't get any of the information. Going around in circles for three months I recently changed addresses XX/XX/XXXX, doing so through the USPS website all of my financial credit cards banking information automatically changed to the new address submitted to the post office. 

I received a letter dated XXXX from Pay Pal Credit or synchrony bank. Which I have uploaded, and this is the only piece of information I have received from PayPal credit. 

I called the bank on XXXX and was given Case # XXXX and told I would receive some items in the mail the next two weeks. ( which I have never received any mail from them other than this one sheet of paper that I've uploaded ) I've had my credit report on applying for a mortgage - and this account has been open since XX/XX/XXXX and someone has been paying it back, making minimum payments. 

I am unable to obtain the account number, credit card information, transactions as this is all digital, and I do not have any of the criteria of the account because I did not open this account. 

The fraud department will not tell me anything about this account. All I know is that there's a {$6000.00} balance reporting on my credit report, with no late payments, and this not my account. all i know is the last four numbers of this account.. is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, Equifax, and XXXX twice to remove these inquires because I have no idea where they came from
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I disputed XXXX fraudulent inquiries by XXXX ( XXXX Bank ) and Transunion has refused to remove. XXXX has sent me a letter indicating that they were requesting for Transunion to remove the fraudulent inquiries and they have yet to be removed. I am attaching the letter from XXXX to delete the fraudulent XXXX inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment remarks appearing on my credit report. 
Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Product: Money transfer, virtual currency, or money service

I am filing a conplaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices. Which violate the 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 promise was deceptive and unfair 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. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Marcus by Goldman Sachs bought out the GM credit card and took over the operation of the card. Once they took over the account i have paid every month in full and NEVER carried a balance. Even though the balance has been paid in FULL before the DUE DATE Goldman Sachs has charge an interest payment every month. this was not part of my original agreement with GM card. I tried calling and resolving this two time and ws told even though i paid the balance in full an interest charge will occur every month how???? 
please call i have all documents thank you XXXX
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - TransUnion XXXX  XXXX - XX/XX/XXXX - TransUnion XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/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  Please REMOVE these unauthorized Inquiries.
Product: Checking or savings account

On XX/XX/XXXX, my husband I applied online citibank.com for a checking and savings account. on XX/XX/XXXX we received an email notice that we need need to provide additional documents. We provided all necessary documents on or before XX/XX/XXXX. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called to check on a status of debit cards to be mailed. I was told they were on the way. On XX/XX/XXXX, I went to a branch and was told that no cards were ordered. I then called again and was on hold for an hour. The agent reassured me that he would overnight the cards to me. Then later that evening my husband called on XX/XX/XXXX about his debit card and was told them same information. it is now XX/XX/XXXX and we do not have debit cards or access to the accounts. We are unable to get truthful answers to our issue from the representatives. I would like to lodge a formal complaint against citibank. The account is due to close on XX/XX/XXXX for lack of activity.
Product: Credit card or prepaid card

Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.
Product: Payday loan, title loan, personal loan, or advance loan

There are several companies trying to collect this debt of {$710.00}. XXXX XXXX XXXX XXXX on my credit report who sold to XXXX XXXX XXXX and Atlantic Recovery Solutions who purchased from XXXX XXXX. XXXX called on XXXX at XXXX went to voicemail, XXXXXXXX XXXX left a message, XXXX I called back left him a voicemail, and XXXX am I answered went off on him. At XXXX XXXX  I called back got the information. Company named XXXX XXXX hired him provided two Texes addresses and an Ohio address my Michigan phone number. At no time did I provide them that number nor any other address outside of Texas. They have my Texas phone number and violated by calling me before XXXX.
Product: Mortgage

I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction.