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

Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified Transunion, XXXX, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX  XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had Transunion, XXXX, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.
Product: Mortgage

I am a United States XXXX  and my mortgage is a VA Mortgage Loan. I am retired and am on a fixed income. My income is {$1700.00} per month- which is direct deposited into my bank on the XXXX Wednesday of each month. My mortgage was previously {$1100.00} per month. Since the {$500.00} increase - my mortgage is currently over {$1700.00} per month. Consequently, I can not afford to purchase groceries and can not afford to pay for the XXXX medications prescribed by my doctor. When I tried to talk to Truist Bank ( the mortgage holder ), they informed me that they would NOT take any action and give me chance to make a payment in XXXX and a {$1000.00} payment toward my escrow account. Truist Bank reneged on their promise and sent a notice that they are foreclosing on my home. PLEASE UNDERSTAND - I never missed making a payment on my mortgage each month - whether it was a partial or full payment. When I talked to the Truist Bank agent last month, she informed me that I was ONLY one month behind in payments due to the partial payments. However, I received a letter from Truist Bank on XX/XX/XXXX stating that I am over {$5000.00} behind in payments. That is a lie! Also, Truist Bank accepted the {$1400.00} payment I sent last month; but returned my payment on XX/XX/XXXX with a note attached stating that they will NO longer accept partial payments until my mortgage is paid-in-full. Truist Bank has reneged on all of the negotiations I made with them over the phone ; and raised my mortgage rate EVEN much higher to {$5000.00}. There are MANY thousands of complaints registered online against Truist Bank from other mortgage holders stating that Truist Bank 's only goal is to " price '' United States Veterans and retired people out of our homes. Their goal is to force us into being homeless. For example, when I asked Truist Bank to change my due date to the XXXX Wednesday of each month ( when I get my benefit check ), the Truist Bank mortgage department tactfully told me to " ... XXXX XXXX XXXX  .... '' Their representative informed me that they have the power to make that date-due change so that I would not have an accessed late charge, but Truist Bank refuse to do so. Please help United States XXXX and retired elderly people to stay in their homes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report I did not authorized 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 reporting, credit repair services, or other personal consumer reports

i have suffered from XXXX for 30 years ' i never knew what credit was or debt or any other such thing i was XXXX for many years and XXXX XXXX XXXX XXXX  most of my debt actually comes from minor 2 hour hospital stays where i was under duress at times from being XXXX XXXX XXXX XXXX many times people used my name or an alias with my information going as far back as 25 years or so ' it wasn't until recently the past 5 years or so when i started medication and working a serious job ' with benefits and got a steady income life and girlfriend that i started to learn about these things ' i have tried to contact debtors and XXXX equifax XXXX ' about such things ' but to no avail ' i have been without work for about 2 weeks now do to assaults and robberies at my work ' and i tried for the first time to take out a loan ' figuring on furlough due to store being to dangerous in the ghetto at night not being open i found without a paycheck in the past or one in the future you can not apply for a loan ' i know this might sound strange to some but my first " vacation in 5 years '' has been spent for 8 days trying to figure how to get out of debt and get my life back 99 % of it from 1 hour hospital visits where i was discharged or escaped the hospital on my own ' or afraid due to XXXX XXXX of " being in debt haahahaha '' ' as you can see i'm not well or was not ' for many years ' anyhow i was always scared or paranoid of the 'sign this we'll help you moneywise '' as i was of medication and the like " but seeing where medication has gotten me " i realise now but not back then when {$30.00} or {$300.00} over time seemed impossible for someone working {$5.00} an hour at a labour hall ' 17 hours a day to make {$35.00} with smokes and train/bus sleep outside building ' take {$3.00} out of paycheck at end of day {$4.00} or {$2.00} for ride to job site ' people just don't know but then i worked with gys who made {$12.00} for the same amount of effort ' anyhow " i've tried to contact various sites and agencies ARS etc ' to explain but have had no luck ' i don't want to be homeless again after working 35 hours a week or 30 for the past 5 years ' drs say its best if i " take a day extra off to not be XXXX XXXX '' " anyhow it came to my attention recently my identity has been used for 20 plus years from an " old aqcuaintance '' i'm starting to believe probably just at random " one of the addresses was near mine ' at a time or i used to stay there ' and i was 15 at the time ' anyhow thank you for your time i am not good at this " but i hope it somehow helps although as usual i doubt i did the right thing or even the right company ' XXXX  XXXX EQUIFAX ' all these " i'm not sure ' i'm working with lawyer to figure it out right now and day and night during " first vacation ever '' spent 8 days trying to figure this all out ' as i have no money and am just staring at a wall ' thank you " i hope it's not a prison ' forever '
Product: Credit card or prepaid card

DUE TO THE PANDEMIC CRISIS, OUR TRIP TO XXXX XXXX, XXXX, AND XXXX WERE ALL CANCELLED DUE TO WORLD WIDE TRAVEL RESTRICTION DURING OUR SCHEDULED FLIGHT FROM XXXX ON XX/XX/2020. THE TRAVEL COMPANY ( XXXX XXXX/XXXX ) BILLED MY CREDIT CARD WITHOUT MY AWARENESS OR CONSENT {$280.00} AS " CANCELLATION FEE '' ... KNWOING THAT I DID NOT CANCEL THE FLIGHT. IT WAS CANCELLED BY XXXX XXXX AIRLINES SINCE XXXX XXXX PLACED A RESTRICTION ON ALL INCOMING FLIGHTS. WE ALSO BOUGHT TRAVEL INSURANCE AND XXXX XXXX IS REFUSING TO ISSUED A FULL REFUND. THEY OFFERED A CREDIT THAT WILL EXPIRE ON XX/XX/2020. ALL ( XXXX/XXXX ) TRIP IS DATE SPECIFIC AND THUS WE MUST PERFORM SUCH RELIGIOUS TASK AT GIVEN TIMES. XXXX XXXX DOES NOT HAVE PHYSICAL CORPORATION ADDRESS ON LINE TO FILE A WRITTEN COMPLAINT. ALL PHONE CALLS ARE DIRECTED TO ONLINE FILING OF COMPLAINTS WHICH IS A WASTE OF TIME. XXXX XXXX BOOKING No. XXXX. 
WE ARE DEMANDING A FULL REFUND OF THE TOTAL TRIP {$5900.00}, AND A REFUND OF {$280.00} CANCELLATION FEE.
Product: Checking or savings account

Due to an error on Capital One 's end I do not have access to my paycheck which was deposited today. They claim to have been trying to fix this error, due to a third party agent, for 3 days with no resolution in site.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BANK OF AMERICA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

When I opened my Ally account 6 months ago I opted out of EVERY " information sharing '' option they gave me. 
Today I get a general Privacy Info letter telling me I need to go to their website to opt out again! 
I go to said website but their website WILL NOT LET ME OPT OUT! 
I enter my account info, my info & try to " continue '' by clicking that button, but website does NOTHING. I am stuck there unable to opt out of their privacy invading tactics! 
It's a XXXX tactic & I hope you can put a stop to this. 
thank you. 
Attached is an image of the point at which Ally Bank blocks my ability to opt out of info " sharing ''. There is a 'continue ' button that does NOT work. I can not continue in any form past that point. Essentially blocking my ability to give my preferences
Product: Credit reporting or other personal consumer reports

I tried contacting both Equifax and XXXX with no luck. As you will see in the attached documents, both bureaus are reporting inaccurate information regarding my payment history with my XXXX XXXX account. Some days they report, others they do not as you will see with XXXX, XXXX and XX/XX/year> reporting. All of which I was in good standing. 

. Inaccurate Reporting ( FCRA Section 605 ) The FCRA mandates that consumer credit reports must be accurate and up-to-date
Product: Student loan

I began making payments on my {$44000.00} student loan balance in XX/XX/XXXX. I made 5 monthly payments of {$450.00}. Then, I asked FedLoan if I could be placed on a graduated repayment plan. I was told NOT to make my monthly payments while they worked to put me on the graduated repayment plan. It took them 7 MONTHS to put me on the repayment plan. During the time that I FedLoan took to transfer me to the new plan, my interest was capitalized twice - adding {$1500.00} onto the principal of my loan. This wiped out ALL progress I had made with the 5 previous loan payments, bringing my new loan balance to {$44000.00} on XX/XX/XXXX. This is fraudulent. 

Also, I called FedLoan on multiple occasions, speaking to different representatives, who all gave me different information during the repayment plan process.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. 

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

I pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX  XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX  and EQUIFAX denied any inaccuracies but after further investigation I can confirm they are reporting incomplete and inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX  yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with EQUIFAX who is allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give EQUIFAX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from EQUIFAX.
Product: Credit card or prepaid card

Ordered {$500.00} worth Gift " Cards '' for the holidays from the american Express Website. Paid using my American Express card. Received someone else 's order for {$350.00} worth of paper gift " checks ''. When i called to complain about the wrong order they said that the cards have already been used and they need to " investigate ''. My credit cards got charged for the {$500.00} ( + fees ). I have someone else 's {$350.00} worth of gift checks.
Product: Debt collection

Resident of XXXX XXXX, XXXX Kentucky. Moved out 9 months pre-lease expiration but continued to pay lease until expiration ( on time ). Approximately 2 weeks prior to lease expiration XX/XX/2020 ( week XX/XX/XXXX ), had moving/cleaning company remove items and clean. Notified by cleaning company that kitchen trash compactor stopped working during move-out cleaning process. I contacted via email management and informed that trash compactor inoperable. As such, water that cleaning company used to clean kitchen dishes, etc. could not be drained. Response email stated they would service. Images sent from hire company of cleaned apartment. Later, received a cleaning/repair bill for roughly {$500.00} dollars for cost of trash compactor repair, a non-use water ring in 2nd commode, and accumulated dust collected under the " hob '' of the stove. Company also refused to return rental deposit. I have images and video taken by the moving/cleaning company that show a well-cleaned, undamaged apartment. Images clearly indicate company has used less the minimal wear-and-tear to falsely claim damages and thus, inflated amount of debt.In addition, company has reported this item to all 3 credit reporting agencies. I have phoned the company twice ( have recordings ) and tried to address issue. I have other video but are greater than 10Mb.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, UPDATE to PAID AS AGREED my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit report. And in accordance to the fair credit reporting act convergent account # XXXX and account # XXXX has violated my rights
Product: Credit card or prepaid card

I managed to contact Oportun at their customer service number provided by their Experience Director which was XXXX and a spoke to a XXXX customer service rep that then escalated the call to their direct supervisor. Both were unwilling to help me while i am going through Financial Hardship. I still have not returned to work in any capataicty and therefore have no money to pay these kinds of bills. 
The Reps mentioned that they have a " Skip '' program, but its only for one month. They refuse to cancel or suspend my account with them for an extended period of time. 

I feel like they fraudster and only care about getting money from people rather than actually helping people. I could not be escalated directly to their Experience Director and instead got Stonewalled by the two XXXX Reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  and Experian credit report. I never authorized 3 credit inquiries by XXXX  services in XXXX of XXXX. There should not be 3 credit inquiries by XXXX mtg services within a 5 day window. Remove all 3 of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized  3 inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. Make sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all 3 bureaus.